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

As in my previous Complaint I reported that Equifax Credit Bureau is really fraud Bureau and it never showed my credit report to me and after seeing my CFPB complaint they said that they can invest and in some days they can showed me my credit report. 

And after some days they said to CFPB, Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reported on your credit file. Please be advised that an investigation with the furnisher of the information was completed. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. 

You see that fraud bureau showed that an investigation with the furnished of the information was completed and we hope this resolves your concerns. What investigation was completed what resolve my concerns? And they showed that I can create an account to manage security freeze and remove fraud alerts and initial credit file disputes. If I do these myself then why do I report their name to CFPB, that fraud bureau didn't let me log in to my account and I am already a member of that fraud bureau and not from now. I am a member of that fraud bureau for the last 10 years and whenever that fraud bureau chose they locked my credit report themselves and requested to send a copy of my driver 's license, social security card, or any utility bill so they sold those again to any third party and make money. 

Last year I log in to my Equifax account and that fraud bureau sent an email to me that I log in to my account and choose there some products. But when I tried to log in to my account they showed that I can contact that number and when I contact that number they said we need to verify you and to verify you need to send some documents to us so we can verify you and then show your credit report until no. 

No other 2 bureaus said this but this fraud bureau locked my credit report themselves and Violate Federal law as FTC or FCRA and after complaining here in CFPB they lied that they talked with me and solved the problem.

In XXXX many peoples also complain about them that this bureau is a fraud bureau, not a good bureau. So I request CFPB to take some action against this fraud bureau as FTC took action against this fraud bureau by selling consumer data to private companies. 

Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Debt Reporting Act. 

XXXX XXXX account # XXXX has violated my rights. 
XXXX XXXX account # 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 604 A Section 2 : Also states A consumerreporting agency can not furnish a account without my written instruction.

15 U.S.C 1692e Section 8 : Updating without showing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please make appropriate corrections reported as late payments on XXXX listed account # XXXX Law States 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than XXXX days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Debt collection

In XX/XX/2017 an account with Aragon Agency appeared on my credit reports. I immediately called the agency and was told it was for a past due XX/XX/XXXX account. I have never lived in Nevada and have never signed up for an account with XXXX XXXX. The company said that they would send a fraud claim packet and to this day I have never received anything I have also disputed with the CRAs directly and Aragon always responds that the infomation is correct and verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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
Product: Mortgage

I am continuously having problems with my Mortgage Company, Ditech. I have had this mortgage for about 15 years and it has been " sold '' to a number of companies over the years with no issues. It then went to Ditech and I am at my wits end in trying to figure out what these people are doing and I can not get a simple answer from them regarding where they get their " figures '' from. I lost my job and was unemployed for about a year but got rehired and all is ok now. Obviously, being out of work for a year put a tremendous strain on our finances and we are still trying to play catch up. I missed a payment in XXXX and again in XXXX or XXXX. I made XXXX payments back in XXXX and as far as Im concerned, should be caught up but everytime I turn around, I owe them more and more money. I told them back in XXXX ( for the 10th time ) that I 'm doing the best I can and that my payment of {$1900.00} a month is a stretch but I 'm doing it. They then proactively decided to help me, kept me on the phone for a half hour and gathered all kinds of information about my other bills, income, etc. She then came back all excited and said " I was approved '' and her answer to my problems was a " repayment plan '' which then changed my barely unattainable $ XXXX monthly payment to {$2700.00}! Going in the wrong direction!!! So, being that I was one month behind and my mortgage is almost paid off, I paid the {$2700.00} in XXXX and XXXX and then I get a letter telling me I 'm in default and I have till XXXX to pay {$3100.00} or they will take my house! What? So I borrowed money from my in-laws and paid the {$3100.00} on XXXX. So I just went online to pay XXXX mortgage pymt and the website says payment due is {$3900.00} and wont even let me change the payment amount to anything less than that. Where does this come from? I missed XXXX payments in 15 years! Made up XXXX of the payments within 3 months and have paid close to three times the amount of the XXXX payment and I 'm still behind? I expressed my anger to the " loan manager '' earlier this week about these fees and this money they keep demanding and threatening to take my house for. No explanation, just that I am " current '' on my " repayment plan '' which means with all of this money I have now paid, they still want me to pay {$2700.00} a month instead of my original {$1900.00}! I asked her why I had to pay {$3100.00} then if I still had to pay this ridiculous " repayment plan amount ''. Her answer was that she does n't work in collections so she could n't help me. I literally have {$8000.00} left to pay and I 'm done! like XXXX payments! and I have spent a fortune in interest for years. Now that Im paying all the principal and almost done, they are making up these insane amounts because they are n't making any money on my loan! So my XXXX payment behind ( {$1900.00} ) has resulted in me paying them an additional {$2600.00} since XXXX and they are telling me Im still one month behind and my current pymt due is {$3900.00}!!! Please help! They are taking my money and crediting me nothing.
Product: Credit reporting or other personal consumer reports

Citizens Pay showed up on my credit report. Ive I contacted them in writing & several phone calls. They closed the account. The have never asked me to pay the loan but refuse to remove it from my credit report. The report good & late payments to my file & continue to damage my credit score. I have filed a identity theft report with the gov.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, According to my most recently credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I do no recall granting you this authorization to review my credit report. 
The XXXXir Credit Report Act requires that a creditor to be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 
The presence of this inquiry is adversely effecting my credit report and is impending my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
Product: Credit reporting or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown information on my credit report. Over 60 days later I have not received any response yet. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report so they should be removed already since it's been well over 60 days. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up on our ongoing efforts to remove the inquiry from my credit report. Despite our previous attempts, I regret to inform you that the inquiry still persists on my record. 

I kindly request that you prioritize the investigation and removal of this inquiry from my credit report, ensuring that all necessary steps are taken to correct this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. 

I understand that resolving such issues may take time, but I urge you to handle this matter with the urgency and attention it deserves. Your assistance in rectifying this discrepancy is crucial to ensuring the accuracy and integrity of my credit information. With this, I am asking for your assistance to remove this inquiry in my credit file : XXXX XX/XX/year>.
Product: Debt collection

on XX/XX/2020, XXXX XXXX my care giver contacted XXXX XXXX XXXX XXXX who was referred by my landlord. I was just released from XXXX XXXX  from XXXX XXXX she spoke with employee XXXX at XXXX i was XXXX and had no knowledge of the call at this time due to my XXXX and medication. I was told about the conversation later. XXXX ask mr XXXX could his company provide video footage to her cell phone while away from the home because she was a care giver and taking care of a patient who just had XXXX and XXXX XXXX and could not get XXXX XXXX XXXX he said that they could provide the service for XXXX dollars a month and XXXX up front for equipment when the technican arrive she said ok and sign my name on the contract with out my approval .The technican arrivied on XX/XX/2020, he also install the new alarm and small motion detectors inside the house with out my knowledge he then activated the system. XXXX then ask him how does the video footage work on the cell phone he pulse and said what are you talking about she explained that mr XXXX confimed that the company could provide this service while she was away from the house he said he could not provide this service and mr XXXX gave her the wrong information she then call XXXX to cancel the account. MR XXXX said he was wrong and apologize for the miss information i told her immediately to cancel this service and get it out my name please.XXXX said he would cancel the account since he lye about service but he could not refund the XXXX dollars at that point we said cancel the account and we would like to speak to a supervisor he hung up the phone. the technican gave us supervisor XXXX XXXX number XXXX, i call him and told him again i dont want this service and please make sure its cancell because XXXX lye about the video footage to the phone he said can we something else out we said no thank you and hung up the phone i then noticed i was receiving serveral emails stating the alarm was not activated over 50 emails i call him back and said XXXX told me the acount was cancel he stated ok and i will make sure of it he lye.we never activated this service and have proof of that i also email them to cancel the account and call the automated service serveral times .i later received a letter from collection agency hillcrest davidson XXXX i later learned it was report to XXXX credit report, report number XXXX for XXXX dollars, my credit score drop 58 points from XXXX to XXXX this is wrong for this of trying to extort money from me and should be a crime i am XXXX  years of age shame on them i filed a dispute wih XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ca XXXX XXXX.
Product: Credit card

I would like Chase to agree to lowering my interest rate. Because my work hours have been reduced. I would help me to be able to make timely payments.
Product: Credit reporting or other personal consumer reports

On XXXX I received an alerts, that were 2 inquiries on my credit report. I tried reaching out to both companies explaining I did not authorize anyone to run my personal credit. One was from Ally Financial ( which I am currently in a lease with ). I reached out to Ally, the first representative told me there were no new inquiries. I told her there was indeed an inquiry showing up on my credit report. I asked to switch to another dept, which happened to be there fraud department, there I was told I was in the wrong department, and my concern was not fraud. After being switched a few more times, I reached a final department that told me they would send dispute forms and the process could take up to 45 days. The second Company was the XXXX XXXXXXXX XXXX XXXXXXXX. I reached out to the number provided in my alert, I explained there was an unauthorized inquiry I was transferred to their Finance Dept, there was no answer. XXXX my previous sales person from XX/XX/year> called and said she would look into it. I have not received any further communication.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification. 
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, 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 available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Update to Open/Never late XXXX there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a potential victim of the Equifax 2017 Cyber Security incident according to https : //www.equifaxsecurity2017.comXXXX. Furthermore, attempting to create an initial Fraud Alert on Equifax 's website ( https : //www.alerts.equifax.comXXXX ) results in an error.
Product: Vehicle loan or lease

I made my payment as usual and to my dismay, I got an alert this morning that my payment was late. I was not 30 days late as the credit report states. I even spoke to someone and they confirmed that I was no where near 30 days late.
Product: Credit card or prepaid card

On XX/XX/2019 at XXXX XXXX  when checking my email account I noticed a email from my credit monitor service ( XXXX XXXX ). It said there was a new inquiry. I opened the XXXX XXXX app and review my credit report to find that someone opened a new Kohl's/Capone charge card under my name which I didn't do. I spoke with Kohls fraud department and they shut the card done and labeled it as fraud. The incident number is XXXX. I made a report to my police department and to XXXX XXXX credit beuerWrite to XXXX. We've created a letter for you based on the information you've already provided.u for a fraud alert. The amount spent on the charge card was {$15.00}.
Product: Debt collection

The company, Enhanced Recovery, reported an XXXX XXXX XXXX bill in XXXX of 2014 without sending a dunning notice. This was a debt that they had previously tried to collect from me years before and was eventually deleted from my credit reports after disputes were not validated on their end. They began reporting to XXXX and XXXX in XXXX of 2014. I disputed through the XXXX and they acknowledged through written message that they did not send a dunning notice because they were unable to reach me on a cell phone number they had listed as my contact. So as of last week ( XXXX XXXX ) they sent the dunning notice-5 months AFTER they began reporting this on my credit reports. I was not given the chance to dispute before this was marked as a derogatory item on my report and sending the notice now is a clear violation. I want this debt removed from my credit reports as it is being reported incorrectly and collected in violation.