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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX [ Date ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Equifax and XXXX for Negligent Noncompliance Under 15 U.S. Code 1681o To Whom It May Concern, I am submitting this formal complaint regarding Equifax and XXXX failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o, for negligent noncompliance. My complaint involves the inaccurate reporting and mishandling of disputes related to the following accounts : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX XXXX Account XXXX : Closed on XX/XX/XXXX Creditor Details : XXXX XXXX XXXX XXXX Riverside, CA XXXX ( XXXX ) XXXX Despite submitting evidence and formal disputes, both credit reporting agencies have failed to conduct proper investigations into the accuracy of these accounts, resulting in continued harm to my credit profile. 

XXXX XXXX for XXXX XXXX XXXX : Dispute ID : XXXX Submitted to XXXX : XX/XX/XXXX In Review : XX/XX/XXXX Resolved ( Denied ) : XX/XX/XXXX Despite providing XXXX with additional information to verify the inaccuracy of the XXXX XXXX XXXX account, the dispute was denied without a thorough explanation or adequate documentation. Equifax similarly failed to verify the accuracy of the XXXX XXXX account, resulting in continued damage to my creditworthiness. 

Impact of Negligence : 1. Harm to my credit score, which has prevented me from qualifying for a mortgage to provide stable housing for my family.

2. Financial hardship and emotional distress, as I have been unjustly penalized due to the negligent noncompliance of these credit reporting agencies.

Requested Actions : I request the CFPB take the following actions to address these issues : 1. Investigate Equifax and XXXX handling of my disputes to determine whether they violated the FCRA by failing to conduct reasonable investigations. 
XXXX. Require both agencies to provide detailed documentation of their dispute investigation processes, including the evidence used to verify the accuracy of the XXXX XXXX and XXXX XXXX XXXX accounts. 
3. Order the removal of any inaccurate or unverifiable information related to the above accounts from my credit reports. 

The failure of Equifax and XXXX to comply with federal regulations has caused significant harm to my financial stability and well-being. I trust that the CFPB will take appropriate action to hold these agencies accountable and protect consumers like me. 

Thank you for your attention to this matter. Please contact me if additional information is required. 

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

Security finance is showing two missed payments on my XXXX credit report. I never made a missed payment. I went directly to security finance and they say they are not reporting the missed payments and they would contact XXXX and let them know its an error. I didputed the error and XXXX said it was verified as accurate. A simple phone call to security finance would clear this up. I'm sure no investigation ever took place. This erroneous misleading information is negatively effecting my life. I cant get credit and when i do try I'm charged higher intrest rates for an error that should have been properly investigated. This violates my rights as a consumer and is highly unacceptable.
Product: Debt collection

Exeter reclaimed a car that was nearly paid off. Only {$500.00} was left to pay for teh car. And the car was also sold at an auction which wiped out the debt. Yet exeter is trying to collect {$XXXX} from me. They are also reporting that account as open on my credit file, which it is not. It os a closed charge off. And the past due amount is wrong
Product: Money transfer, virtual currency, or money service

I have been emailing Grain Technology Inc Credit since XX/XX/XXXX trying to make a payment on my account and update my payment information. I haven't received any response from anyone. The only responses I receive from them are automated responses. This is very frustrating and aggravating as they are reporting my personal credit with late payments. I have emailed them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have verified all documents through the app, but the application is not working seem like a scam. Things were perfect at first. 

Please assist with this company Grain Technology Inc.
Product: Debt collection

GLA DId not send a letter or notice. This collection of {$130.00} is not owed. I was paying XXXX XXXX XXXX and knew nothing about this. No letter of it going to be turned over to collections. Was paying ... ..and is paid
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and these accounts listed are not mine and were unauthorized 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

Credit Bureaus told me that XXXX XXXX have verified that the current status is correct. However this is not the case. Simply providing me with a computer generated document is no enough proof that I was late. I request for a copy of my payments with XXXX XXXX to verify what they is indeed correct but they did not provide it. CFPB please reverse the late payments on XXXX XXXX XXXX  XXXX
Product: Credit reporting

Equifax reported the above bankruptcies on XX/XX/XXXX as reporting accurately. 
This information is inaccurate both cases have reached the statue of limitation & should bedeleted. XXXX XXXX XXXX # XXXX CHAPTER XXXX XX/XX/XXXX statue 7trs from date of filing, removal date XX/XX/XXXX, still on my report.XXXX # XXXX, CHAPTER XXXX, statue 10yrs.from the date of filing, FILED XX/XX/XXXX, it has been XXXX, should be removed by Equifax, also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in proof that the car dealership released the lien on my car and that the car dealership sent me my car title showing my vehicle is paid off. Experian and other credit agencies refused to remove or update the error on my file to being paid and closed. They didn't send me any documents showing why they denied my request to update my credit report. This has caused me great harm and stress. My credit report score has gone down because of this error.
Product: Debt collection

My paycheck is being garnished for a charged off debt from a law firm
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that the following inaccurate items be immediately removed from my credit files. They must be removed in order to show my true credit history, as these items should not be on my report. 
Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX, XXXX or XXXX XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX  XXXX ACCT # XXXXThe account is not mine. Please delete XXXX  XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX  XXXX ACCT # XXXXThe account is not mine. Please delete XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete. 
XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX  ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXXThe account is not mine. Please delete XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete Unknown ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete Unknown ACCT # XXXX .The account is not mine. Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the foll
owing circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

THE INACCURATE ACCOUNTS DISPUTED FOR 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: Student loan

This is Regarding XXXX XXXX Student loan borrowed for my daughter and I Cosigned. Loan amount of {$26000.00} borrowed on XXXX/XXXX/XXXX to the renowned Education institute XXXX. My daughter graduated successfully with GPA of XXXX with Dual degree ( XXXX XXXX Program ) with her hardship and managed to get a job in XXXX XXXX XXXX. As a reward to her hardship, we borrowed money from our relatives and paid off the principal with the agreement of payment in monthly. but I am getting charged from XXXX XXXX the interest of {$6100.00} for the past 3 years however i have paid {$25.00} per monthly towards interest. My daughter have written a letter to XXXX to forgive the Interest on the Loan as the principal has been paid. She already has Loans from XXXX XXXX, started paying monthly. But XXXX communicated through AES that it is denied. An entry level employer making $ XXXX in XXXX XXXX XXXX, Living in XXXX paying for 3 different loans and in addition to honor the exorbitant interest charged by XXXX is unfair and atrocious. It is practically impossible to live by paying for 3 loans, paying Rent, food and other expenditure with that money. We are ordinary middle class people did n't have enough savings ( hence borrowed in the first place ) are being sucked into these programs to keep up the value of education from renowned institution. We are being ripped off by XXXX ( Via AES ). so, Beware of Private Student loans from XXXX, it is not trustable and they do n't value your honesty, integrity or hardship. All they want is suck your blood to death no human consideration or fairness. Loan Program : XXXX, current interest rate is 9.320 % ( Really?? from a novice young student who wants to graduate and start their life )
Product: Vehicle loan or lease

Kia Motor Finance had an advertised finance special of {$1500.00} cash back and 2.9 % interest for 60 months with no down payment required. On XX/XX/XXXX, I purchased a 2020 XXXX XXXX from XXXX XXXX in XXXX, TX. The credit report showed that my score was at least an XXXX but I didn't receive the advertised interest rate, the rate I received was 3.9 %. When I questioned the general manager ( XXXX XXXX ) which is who processed my application his response was they just put the information in the computer and that's what it showed on Kia Motor Finance. I called back on XX/XX/XXXX to see if he could provide any explanation as to why I didn't qualify for the advertised rate was told he would reach out to Kia Motor Finance but I haven't heard anything back as of XX/XX/XXXX. On XX/XX/XXXX I contacted Kia Motor Finance to see if they could provide an explanation for me not getting the advertised rate and the response received is that it is up to the dealer ( manually inputted ) and any correction would have to come from the dealer through an updated contract. On XX/XX/XXXX I called the dealer back to follow up on my request for an explanation for the rate I received but haven't heard anything back. Know one seems to know and each side is saying it was out of their hands.
Product: Prepaid card

A {$100.00} Amex prepaid gift card was purchased on XX/XX/2023 from XXXX. The gift card has been useless at over 10 merchants online. I called XXXX customer service and they only offered a phone number for Amex gift cards. I called the number multiple times but no live person is available, only an automated set of options to select. None of which lead to an individual.
Product: Debt collection

Please note that under Sections 605 and 607 of the Federal Fair Credit Reporting Act you are obligated within 30 days to delete obsolete information from my consumer credit file. The information being reported on my credit report is more than seven years old and exceeds the statutory time period under this Act and must be removed. The information to be deleted is as follows : Date : XX/XX/09 Amount : {$4800.00} Actions take by me : I have sent several letters via certified mail to all XXXX credit bureaus demanding that this erroneous information be removed along with an updated copy of my credit report that reflects the deletions of all XXXX credit bureaus.
Product: Mortgage

The " servicing '' of my mortgage was transfered from IndyMac to Ocwen XX/XX/XXXX. I was invited to and was sent forms for an HAMP mortgage modification from Ocwen at that time. I was subsequently denied a modification, but Ocwen continued to accept my payments from the modification agreement made with IndyMac XX/XX/XXXX. When I was denied a modification, I requested from the agent in charge of my application a response in writing that would spell out what the terms were for the denial. I was verbally assured by that agent, XXXX XXXX XXXX XXXX that I would be sent the information but instead, about a week later I received the formal notice that I did not meet the " eligibility guidelines '' for XXXX. I suspect my income information supplied to Ocwen was fraudulently adjusted and I was hoping I would be given a chance to rectify this situation. The fact that the information requested was never forthcoming from XXXX XXXX or Ocwen suggests that my assumption of their illegal and fraudulent actions was justified. I believe I am qualified for a mortgage modification under XXXX guidelines.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation of my accounts was not done correctly, or In Accordance With the Fair Credit Reporting Act. These accounts can not be reported as being open And closed at the same time monthly. These accounts need to be deleted because it is damaging my credit. I want a line by line reinvestigation on the accounts listed below. The accounts listed below have also violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, they are show inaccurate information. XXXX XXXX XXXX Account # XXXX violated my federally protected 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. I never provided written instructions to furnish these accounts. I need the following incorrect names removed from my credit report too : XXXX XXXX, XXXX. Correct Name : XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed i had a fraud alert on my credit report active until XXXX XXXX i thought alerts lasted 1-2 years before re-instatement. I have made serval attempts to have the alert removed temporary or permanetly. I have called the Experian and nobody ever answers. I have sent certified letters and nobody responses. I had finally spoken to a representive that supposalbly removed the alert or phone number verfication alert, But, evevytime i apply for credit i get denied do to the alert on my report. i have tried so many times to contact all agencies but nobody answers the phone. I need to remove the alerts and confirm my phone number is updated correctly which it shows on my credit report to be correct.I have had the same phone number for 20 years
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account ( XXXX  ) account # ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late Thanks
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 Here I attach, along with the dispute, my fraud report that I just sent to transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, DOB XXXX SS XXXX XXXX. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX XXXX # XXXX account is reporting 30 DAYS LATE since requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Credit reporting or other personal consumer reports

Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXX NC, it has the same date as XXXX  XXXX and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my XXXX and Transunion as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. Im not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the XXXX XXXX XXXX XXXX  in XXXX NC, and a guy named XXXX, the finance manager said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my XXXX and Transunion stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up 3 weeks later but with the same date as the XXXX XXXX XXXX XXXX XXXX  but now the XXXX  XXXX inquiry is manically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax in the past explaining that the information on this identity theft report was not done by me & I don't know who did. I have never gotten any merchandise from them or nothing that they were selling. Please delete these items from my credit report.
Product: Money transfer, virtual currency, or money service

i paid a deposit for a rental i had viewed in person via cashapp. the payment total was {$800.00}. this occurred XX/XX/22 and XX/XX/22. i have a signed lease and multiple text/emails between myself and the landlord about the property and the transactions. after i paid the deposit and signed the lease, i have not heard from them again
Product: Credit reporting

I disputed a judgement on my Transunion credit report for a judgement for XXXX XXXX. I provided them with a copy of the judgement that shows the judgement was rendered on another person 's name, not mine. Despite the fact that i provided proof that my name was not on the account, Transunion still replied and stated that the account was mine.