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

NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail from Equifax ( dated XX/XX/XXXX and received by me on XX/XX/XXXX ) completely disregarding my 2nd dispute against the ILLEGAL INQUIRIES still reporting in my credit file! All they say is, " The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' I have even called and spoken to extremely robotic, rude reps of theirs who repeat EXACTLY what's in the dispute report to me over the phone instead of using their brain and abiding by the law. One of them is rep with the ID XXXX who I spoke to on XX/XX/XXXX from about XXXX to XXXX. Whether I have complained here or spoken on the phone, Equifax has refused to do anything about the matter. Please tell me why and how Equifax reports this information, WHICH AFFECTS MY CREDIT SCORE, yet continues to wash their hands of any responsibility of this info they ILLEGALLY REPORT! The inquiries have NO PERMISSIBLE PURPOSE to be in my credit file : They aren't there as employment inquiries, court order inquiries, insurance inquiries, and they do not have firm offers of credit ( meaning, there are NO credit accounts in my file as a result of these inquiries )! As a consumer, I am allowed to dispute ALL info in my credit file ; yet, Equifax basically states that 'inquiries are facts that will just remain on your credit report unless YOU do OUR job of contacting the creditor. ' Violating consumer law, Equifax uses language that only suggests they investigate ( i.e. " results of our reinvestigation '' ), but they absolutely DO NOT INVESTIGATE AT ALL. Instead, Equifax has been using automated systems, like XXXX and going to 3rd PARTIES, like XXXX and XXXX XXXX XXXX ( XXXX ) in order to " verify '' inquiries. Then they lie and say that they " investigated '' and that there's nothing they can do about " factual inquiries '' that they ALLOW us to DISPUTE! (??? ) XXXX and 3rd parties are all extremely flawed systems and are never 100 % accurate. I have attached the ILLEGAL INQUIRIES I am disputing and the file includes my SS card and ID. PLEASE EXPEDITE THIS DISPUTE.
Product: Mortgage

I applied to Guaranteed Rate Inc. for a HELOC. They approved my application within 48hrs. A few days later I logged into my XXXX checking account to find that Guaranteed rate had transferred the entire line of credit ( $ XXXX ) into my account. I logged into their website and it showed my payments were interest and principal for the whole amount with a payment of over $ XXXX per month. I immediately called them and was told 'thats how our HELOC works " I told them thats not what I wanted and they told my my rescission date had been one business day before they transferred the funds. This is completely false advertising as it is actually a high interest loan NOT a 'line ' of credit. I have paid everything back and closed the account. I would like to seek compensation for the stress and expense that I incurred and to make sure this is stopped so that others do not fall victim to what I believe should be illegal fraudulent practices.
Product: Mortgage

Date : XX/XX/XXXX Loan amount : {$350000.00} This is about Home Mortgage. I have borrowed money from Redfin Mortgage. 
Doing Verbal Employment Verification less than 72 hours before closing. No one is prepared for this VOE so short period, my company isnt prepared for this to answer call, Mortgage Relationship officer has misguided me, he told me to transfer Cost To Close money to Title Company before he does VOE. He didnt disclose VOE requirement of less than 72 hours before closing until about 48 hours before closing. I think you need to ensure that this lender must disclose VOE requirement clearly at the first day of loan pre approval. If I knew they needed VOE 72 hours before closing, I could move to other lender. He didnt disclose this because he wanted to sell this mortgage product. 

My loan is approved and closed but It could be a failure. I believe that I am just lucky because Human resource person in my company was available to respond call .Because of the long weekend ( XX/XX/XXXX ), She could be on leave and couldnt answer the call. As a result I couldnt close my home on XX/XX/XXXX. 
I believe that you must comply this lender to disclose VOE requirement ( whether it is XX/XX/XXXX days ) at the first day of pre-approval. This help consumer like me to move to another lender or I could convince my company to dedicate a phone line to answer VOE.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 my Acct : XXXX reported a late payment. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions between the consumer and the person/Corporation making the report are not included on the consumer reports yet this information is being reported to my report.
Product: Mortgage

On XX/XX/XXXX XXXX pulled my credit report for a loan for someone using my name to apply for a home loan. On XX/XX/XXXX I filed a Identity Theft report, and Police Report with my local police department XXXX XXXX XXXX police department, because I got alert that someone had opened, different credit lines in my name without me knowing. Someone was using my Identity to apply for loans and, lines of credit online. There were over seven accounts opened, and I reported everything right away to all three credit companys, XXXX, XXXX, XXXX,. A alert was suppose to be put on my credit reports for 90 days. From XX/XX/XXXX to XX/XX/XXXX. However who ever is using my social security number has been still trying to get credit in my name. I spoke to ( XXXX ) and they could not release information because some of the information did not match what I was explaining to them. However they still put a Hard Iinquiry on my XXXX credit report. on XX/XX/XXXX they also put a hard inquiry on my XXXX credit report. As of today I have contacted Social Security Admis, and have a appt to get a new social security number as, this is getting out of hand. This is a ongoing investagation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN HAVE INFORMATION ON MY CREDIT FILE THATS IS NOT MINE/INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a letter and I haven't received a response. What am I supposed to do to resolve this situation? This company XXXX XXXX  has closed my account, charged it off, and ssold it but they are still reporting that I'm late every month! They said my monthly amount is {$0.00}, but they're reporting me every month on this closed account, and they're trying to get paid again by doing this. This is false and inaccurate information they're reporting. 

I found out that in the Fair Credit Reporting Act, section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason immediately remove those items from my credi report, its been over 60 days so they should be deleted immediately. If they're not files as soon as possible 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 iinto the hands of the wrong person.
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 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 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 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 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: Vehicle loan or lease

Good evening/morning to the human being reading this. I hope you are having a Great day and I pray you have many more. I will do my best to make this explanation as short and defined as possible. I started having trouble keeping up with my payments XXXX XXXX. I was running a XXXX XXXX business during the time and when fuel prices started to rise everything for me went south. I did communicate with CarMax Auto Finance and told them about my struggles and explained I would make payments as soon as I could. They seemed to be understanding at the time. My business finally failed in XX/XX/XXXX. During this period of time, I started to learn about my rights as a Consumer. I started reading and researching the United States Code. In XXXX of XXXX I sent CarMax Auto Finance a Negotiable instrument/ Tender of Payment, which would have brought my account current. In XXXX of XXXX I received my next statement and my account had not been updated. So, for the billing cycle of XX/XX/XXXX, I sent CarMax Auto Finance another Negotiable Instrument/ Tender of Payment for the balance on the account then. I also started to write a XXXX  XXXX to define the laws and statutes that they were breaking. Unfortunately, I did not finish it in time. They repossessed my vehicle, after I had talked with them two days before. I have attached a copy of all the documentation I sent to CarMax Auto Finance. I do Apologize for not being able to show the back of the Negotiable Instruments where I signed with my beneficiary signature XXXX XXXX XXXX, XXXX, without prejudice, UCC 1-308 , I was upset, hurt and rushing trying to make copies and send the XXXX XXXX in the Mail. 

Thank You for your assistance. 
XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought some furniture from XXXX for my son in early XXXX. When doing the credit application, I put my CORRECT HOME ADDRESS ( XXXX XXXX XXXX, XXXX, MD XXXX ), BUT XXXX XXXX  AND FORTIVA STUPIDLY USED THE DELIVERY ADDRESS AS MY HOME ADDRESS AND HAD THE AUDACITY AND UNMITIGATED GALL TO UPDATE THAT ADDRESS TO ALL 3 CREDIT BUREAUS. I DONOT AND WILL NOT EVER LIVE IN XXXX. I SIMPLY BOUGHT A GIFT FOR MY CHILD. I GUESS IF I SEND A GIFT TO XXXX AT THE XXXX XXXX, THEY SHOULD UPDATE MY ADDRESS TO XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX || DATE : XX/XX/year> XXXX || DATE : XX/XX/year> XXXX XXXX || DATE : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I would like the following acounts deleted from my consumer reports and I would also like to remedied {$2000.00} for damages due tothe negligence of experian and the constant disregardfor my rights by experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/2016 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have No IDEA who rent recovery solutions are... Any contracts I have with XXXX XXXX, does NOT substitute or add substance to any reports you are trying to make ... XXXX XXXX XXXX XXXX XXXX, Is the ONLY company I have a contract with... 

Request for admissions XXXX. There is a contract between XXXX XXXX and Rent Recovery solutions? Admit or deny. 
XXXX. XXXX XXXX gave permission pursuant to 15 USC 1692c ( d ) to act as a third party debt collector to use a credit agency to collect debt? Admit or deny Without a contract between Rent Recovery Solutions and XXXX XXXX or a Contract that states verbatim that " If due to default or any other transgressions Rent recovery Solutions is authorized to collect the debt on behalf of XXXX '' YOU are violating my consumer rights purusant to 15 USC 1692k, and damages are very present here... 

If this is not removed In 15 days. I will take action to the Federal Court, pursuant to 42 USC 1983 DEPRIVATION OF RIGHTS, I have the right to be left alone and I have the right to enjoy my happiness, you are causing personal damages. And pursuant to Title 15 USC 1896k there is a fine of {$1000.00}. If you have proof of the following admission please send.. if not please make checks payable to
Product: Debt collection

To Whom It May Concern, I am writing to dispute the collection account that you have reported as an " OPEN ACCOUNT '' on my credit report, as it is not in compliance with the FCRA LAWS and XXXX XXXX laws. Collection accounts should not be reported as " OPEN ACCOUNTS, '' and it is imperative that this erroneous information is promptly removed from my credit report. I request that you provide me with an updated copy of my Credit Report once this incorrect entry has been removed. 

According to consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX laws, I have the right to dispute inaccurate or misleading information on my credit report. I believe that this reporting of the collection account as an " OPEN ACCOUNT '' is incorrect and not in line with the applicable laws governing credit reporting. 

Please investigate this matter thoroughly and correct the error as soon as possible. Failure to comply with the FCRA and XXXX XXXX laws can result in serious legal consequences. 

I am looking forward to a prompt resolution to this dispute. Your cooperation in rectifying this matter is highly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$5100.00} Violated MY RIGHTS Inquiries XXXX XXXX XXXX XXXXXX/XX/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 the past 3 years I have contacted this company at least 3 times to have this late payment information removed from my credit report. I was told that they couldn't do anything. Here I am. I have had an excellent credit score until I accidentally missed one payment on this credit card. I was in the midst of a move and the mail did not get to me in time and having so much to do and on my mind, the charge was forgotten. When notified, I immediately paid the balance which I don't clearly remember but I think it was approximately {$100.00} and was not given a chance to continue using the card. I opened the account in XX/XX/XXXX and paid on time EVERY time, but on XX/XX/XXXX I made my last payment and the company closed my account. It was 120 days late. Not fair! My credit score went down significantly due to this mistake and I understand it will stay down for at least 4 more years. Please help! I would really appreciate it if you could clear this up and restore my good credit again. Thanks in advance!!
Product: Credit reporting or other personal consumer reports

I had a realtor take a look at my credit to see where I stood in order to buy a home and we realized all the damages that were on my credit report according to the 15 U.S.C 1681 law there should not be any damages on my report, it is a defamation to my character. I disputed these accounts before and was sent results stating the accounts were verified, which is false. I then sent a letter asking their method of verification in order to see who dropped the ball in these errors reporting on my credit report nothing was sent to me. These false, fraudulent and highly inaccurate accounts need to be removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE ATTACHED THE LAST DISPUTE THAT WAS SENT TO EQUIFAX, MY ID, AND GAS BILL FOR PROOF OF residency.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each oof the inquiries above where done without my permission or knowledge and have ask them to please fix them by removing the inquiries. 
* My name is incorrect showing XXXX XXXX on my file Each of the below are incorrect addresses on my file * XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, XXXX XXXX XXXX Bank is showing a credit card account late 270 days in a 3-month span. How is that possible when there are only 90-days in 3 months? 
It is ridiculous and hurting my credit score. 

Also, it's a violation of my rights for Equifax, XXXX, and XXXX to report late payments to my credit report without first contacting me, and second getting my permission to do so.
Product: Student loan

I had a student loan that was invalidated by the State of Wisconsin due to XXXX 's corrupt business practices. Navient was supposed to erase the loan and remove it from my credit score, but they are still adding interest and using it against me. Further, when asked to provide proof of the loan, Navient submitted a digital file that did not have my signature but was something anyone could create using photoshop.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are so many inquiries on my report which I dont know because I came new and someone took advantage
Product: Vehicle loan or lease

XXXX XXXX XXXX I called bridgecrest and expressed to them I fell into financial hardship which I deeply expressed I arranged for a promised deferment if I pay a portion of {$500.00} which I did which brought the balance down will they do a deferment they said yes. 

Bridgecrest never honored their promise which is leading me more into debtI have expressed to them I been a customer for about 3 years now I believe I deserve some relief especially with the crisis the country is in and all the kickback money they got to help customers in situations like this I told them that I been making payments dont repossess my car especially after I just paid for car insuranceI have expressed times are hard especially with XXXX we are in a state of emergency food is high I can barely support myself atleast let me keep my car I can make it work for me I told them I make whatever payments I am able to but still constantly threaten by emails multiple phone calls of repossession or I have until this date to payits lead me to XXXX and XXXX to the point I have XXXX XXXXXXXX and getting worse
Product: Checking or savings account

My account was closed from XXXX and at the time I had several ACH items that were supposed to be returned to my CashApp account that never were. I wanted to reach back out to see where my funds actually went before I file my complaint with the XXXX  and the FDIC in regards to my missing funds. I have been waiting on over {$2000.00}. I contacted the bank and they stated the money was sent back to CashApp so I contacted CashApp with the trace number so they can trace my funds and return them to me. I have been more than patient trying to track down my money and no one wants to be held accountable. When my funds were returned to the account CashApp could have simply mailed me a check but they didn't do that and now my money seems to be lost in the wind. The has caused me financial distress and I need to know where my money is because it has been 3 months and by law they need to return my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXX XXXX XXXX See Dispute Results-Details How should I read my dispute results? 
l Deleted means, we have removed the item from your credit report.

l Updated means, we have updated one or more fields on the item based on the information you provided us with or that we received from the reporting company. 
l Verified as Reported means, the reporting company has certified it is reporting the item accurately. 
For an added convenience, use one of the below options to start a new dispute or check the status of a dispute in-process. 
Visit us at equifax.com/personal/disputes or Call us toll-free at XXXX ( XXXX XXXX ).

Dispute Results - Details Inquiries This section includes requests to view your credit report. There are XXXX types of inquiries - those that impact your credit rating and those that do not. Inquiries that do not impact your credit rating/score are those from companies making promotional offers of credit, periodic account reviews by an existing creditor or your own requests to check your credit report. 
We reviewed the Inquiry : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact XXXX XXXX Date : XX/XX/XXXX Confirmation # XXXX Dispute Results At-a-Glance The results of the dispute you filed on XX/XX/XXXX with XXXX are complete. At-a-glance, here is the status of the item ( s ) included in your dispute : q Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX.eviewed the Inquiry : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Type : Hard / Credit Score Impact The reason you disputed this item : I didn't give this company authorization to access my credit report for this reason. 
The results are : Inquiries are a factual record that the credit report was accessed. They remain on the XXXX credit report for up to XXXX ( XXXX ) years from the date of the inquiry. 
Here are a few things to know about the credit report dispute process If we were able to make changes to your credit report based on the information you provided, we have done so. Otherwise, w