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

This complaint is a follow-up to my previous complaint ( XXXX XXXX : XXXX ) regarding Equifax 's handling of unauthorized credit inquiries. I am not satisfied with Equifax 's response and resolution, and I request that the CFPB initiate a new investigation into this matter.

I am filing this additional complaint against Equifax for ongoing violations of the Fair Credit Reporting Act ( FCRA ) concerning unauthorized credit inquiries and improper handling of my dispute. 

On XX/XX/year>, I submitted a dispute to Equifax regarding two unauthorized credit inquiries on my credit report from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I explicitly stated that I did not authorize these entities to access my credit report and requested their removal. 

Equifax has continued to fail in properly investigating and addressing my dispute : XXXX. Violation of FCRA timeline : Equifax did not complete the investigation within the required 30-day period. They acknowledged my dispute on XX/XX/year>, but only provided results on XX/XX/year>, well beyond the mandated timeframe. 

2. Failure to investigate unauthorized access : Equifax 's response did not address my specific claim of unauthorized access. They merely stated that inquiries are factual records and are retained for two years, which does not justify unauthorized access to my credit report. 

XXXX. Lack of evidence : I requested that Equifax provide details of when and how I gave explicit authorization for these inquiries. Equifax failed to provide any such evidence. 

XXXX. Inadequate dispute resolution : Equifax 's response that XXXX XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' for XXXX XXXX XXXX XXXX is insufficient, as it does not address the unauthorized nature of the inquiry or its removal from my credit report. 

Given Equifax 's unsatisfactory handling of my previous complaint, I request that the CFPB : XXXX. Initiate a new investigation into Equifax 's practices regarding unauthorized inquiries and dispute resolution. 
XXXX. Ensure that Equifax immediately removes both unauthorized inquiries from my credit report. 
XXXX. Require Equifax to provide a detailed explanation of their investigation process and findings. 
XXXX. Mandate that Equifax implement proper procedures to prevent unauthorized access to consumer credit reports. 
XXXX. Consider appropriate enforcement action against Equifax for repeated violations of the FCRA. 

I have maintained detailed records of all communications with Equifax regarding this matter and am prepared to provide additional documentation if necessary. I urge the CFPB to take swift action to address these ongoing violations and ensure Equifax 's compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

My personal address is not reporting correctly. I already tried updating it prior but its still not updated. Please update my address on file. I also need all previous addresses removed from my credit report.
Product: Mortgage

I'm writing inquire if we are eligible for compensation from Wells Fargo. 

The property address is : XXXX XXXX XXXX, XXXX, NY XXXX. The original note is dated XX/XX/XXXX. Our loan number was XXXX. We also had a small 2nd loan on the property with XXXX, loan # XXXX. 

We received foreclosure letter on XX/XX/XXXX. The property was pending foreclosure for many years. After the market crashed in XXXX, we tried in good faith to modify our mortgage. We negotiated most of of the time through our lawyer. We went through the paperwork for a deed in lieu with XXXX XXXX XXXX We were offered a new loan trial loan period on XX/XX/XXXX. We made the payments on time. We met the financial requirement. Our loan number with XXXX was XXXX. After the trial period ended, we were given a letter from XXXX XXXX XXXX enclosing the payoff figure of {$710000.00}. 

At that point we said, " uncle '' and proceeded with the foreclosure. XXXX XXXX sold it to XXXX XXXX  on XX/XX/XXXX. 

If it helps. I can put together a pdf of all of the documents to support these facts as well.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Immediate Deletion of Reinserted Account XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally request the immediate deletion of an account that has been improperly reinserted into my credit report. The account in question is XXXX XXXX XXXX XXXXXXXX, which was previously deleted from my report following a successful dispute. Its reinsertion violates my rights under the Fair Credit Reporting Act ( FCRA ) because the required legal procedures were not followed.

Under FCRA Section 611 ( b ) ( 5 ) ( B ), if a previously deleted account is reinserted into a credit report, the credit reporting agency is required to : 1. Notify me in writing within five business days of the reinsertion. 
2. Provide verifiable documentation from the information provider that supports the reinsertion of the account.

As of now, I have not received any written notice or supporting documentation regarding this reinsertion, which constitutes a direct violation of my rights under the FCRA.

Additionally, under FCRA Section 623, information furnishers are required to : Ensure that all information they report is accurate and complete.

Correct and update any inaccurate or incomplete information they provide to credit reporting agencies.

Furthermore, FCRA Section 604 mandates that any information included in my report must meet specific criteria for validity and relevance. In this case, the account does not comply with these requirements, as it was not validated prior to its reinsertion. 

I am formally requesting the following : XXXX. The immediate and permanent removal of the XXXXXXXX XXXX XXXX XXXX account from my credit report. 
2. A written explanation of how and why this account was reinserted, including verifiable evidence provided by the creditor, if applicable.

3. Assurance that steps will be taken to prevent any further improper reinsertions.

I expect a prompt response and resolution to this matter within 30 calendar days, as required by law. Please confirm receipt of this letter in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7100.00}, {$13000.00}, {$4100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1.  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7100.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The prolonged delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft.

Immediate removal of these fraudulent items from my credit report. 

An explanation for the extended delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your immediate assistance to remove the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am XXXX XXXX and I am submitting this CFPB Complaint to you today to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. I need you to remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX  / XXXX Opened XXXX XXXX, XXXX Balance {$130.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} XXXX  XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$75.00} XXXX XXXX XXXX : XX/XX/XXXX. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Product: Credit card or prepaid card

i had a credit card with commenity capital which was closed and paid off in XXXX, i then recieve numerous calls 2 months later saying i owed and having a late payment reported to the credit beureu i have tried to get this corrected but have not succeded and have just had a late pay added to my credit report.
Product: Credit reporting or other personal consumer reports

It appears that the party in question has violated the Fair Credit Reporting Act ( FCRA ) by unlawfully accessing my consumer reports from XXXX, XXXX, and XXXX without proper authorization or permissible purpose as outlined in the FCRA. As a consequence, they are potentially liable for actual damages, statutory damages up to {$1000.00}, and punitive damages. I am open to resolving this matter amicably without admission of liability. I request that the party in question ceases accessing their consumer reports and remits {$1000.00} to their my within 14 days of receiving this demand. Upon receipt of the payment, I will consider this letter a general release of all claims herein. ''
Product: Credit reporting 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. I HAVE ATTACHED MY FTC REPORT PER THEIR WEBSITE! 

I have disputed these fraudulent inquiries multiple times with Transition and they kept ignoring my request. So i'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again I recently reviewed my credit report and noticed several unauthorized inquiries. Please remove these immediately as they do not belong on my report, and they are affecting my quality of life. I am being denied because of these excessive inquiries and they need to be removed immediately.
Product: Credit reporting or other personal consumer reports

I disputed inaccurate information related to the XXXX XXXX XXXX XXXX account on my credit report. The credit reporting agency conducted an investigation but did not provide sufficient documentation to verify the accuracy of the account. They failed to meet the standards outlined in Section 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires a reasonable reinvestigation and proper verification of disputed information. Simply stating that the account was verified without providing proof or adequately addressing the dispute is a violation of the FCRA. 

Cases like XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) highlight the credit reporting agency 's obligation to go beyond the original source and ensure that the information is accurate when faced with a dispute. In these cases, the courts ruled that credit reporting agencies must conduct a thorough investigation, and failure to do so can result in liability for noncompliance.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I contacted XXXX XXXX about a Bank Statement mortgage. I told him I wasnt interested in No ratio or similar loans because the interest rates were too high. Im XXXX XXXX  with good credit. I provided over a years worth of bank statements and pointed out the pandemic XXXX ( unemployment ) payments made to me and the SBA loan. 

He evaluated the bank statements and told me I needed a CPA letter. I questioned this as its {$90.00}. He said its important and provided a template. I had a CPA fill out the annual funds received and the expense ratio ... which is 1 % because I audit from home. This is backed up by bank statements. 

He also ran a credit report and charged me {$27.00} for it. 

He then pulls his bait and switch. The Bank Statement product isnt available to me because of the XXXX payments and too low of an expense ratio. 

He cost me {$110.00} in hopes of me agreeing to a much more expensive product Id already told him I wasnt interested in. This is a deplorable tactic.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX account # 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 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 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 card or prepaid card

On XXXX XXXX of XXXX I initiated an balance transfer for {$6200.00} from XXXX XXXX ( total rewards XXXX ). After three weeks I contacted the bank through secure messaging. I informed them that the transfer was not received by XXXX XXXX. I have called them multiple times and always get a run around and have never been contacted by anyone by phone. After the last call the send a letter stating they are working on my inquiry ( dated XXXX/XXXX/XXXX ) ... this was the second letter. So now for 5 months I have been paying the balance on two credit cards. 

I feel I have exhausted extensive time to solve this problem with this bank and do not see a resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Account Number : XXXX Bank Number : XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX
Product: Debt collection

I disputed a debt from a collection agency Aldous & Associates ; They keep trying to collect a debt I do not owe, they sent me paperwork from my gym with some scribble and said I owed this debt.. I contacted the original creditor XXXX XXXX and as far as I know the problem was fixed. I think a gym staff scribbled my name on a contract, I told Aldous & Assoc numerous time via phone that I would not pay this false debt. Their customer service person was rude and yelled at me to pay my debts. I mage a complaint with the XXXX and the FTC and Utah state atty gen office. no matter what I responded to them through the XXXX   they will not accept anything else but for me to pay. I notice they have numerous complaints with the XXXX   about Aldous & Assoc with similar circumstances. Now they have sent my debt to the credit reporting bureaus which has damaged my credit score. I have found through XXXX there a several legal agencies that specialize in cases against Aldous & Assoc. I have documents i attaching from the XXXX. Utah atty gen office and XXXX XXXX my current bill which I have XXXX balance and in good standing with them.
Product: Credit reporting or other personal consumer reports

I submitted a dispute on XX/XX/2024 for a collection account on my credit, from Credit Acceptance Corporation. I disputed this because the information they had on file, was not accurate. 
I have not heard anything in regards to the dispute. I have since, updated all of my information with the company, so they have all accurate info. The dispute is still pending XXXX months later.
Product: Credit card or prepaid card

On XX/XX/2019, I received a text message from Comenity XXXX XXXX Fraud Department about suspicious activity from XXXX/XXXX ( XXXX ) amount {$67.00} on that same day XXXX made an online purchase of a GPS from XXXX XXXX XXXX XXXX in NY ( XXXX ) amount {$120.00}. I just used my card to pay for the GPS but my information was stolen at the same moment.
Product: Debt collection

In XXXX of XXXX I open up a cell phone account over the phone with XXXX which I got 4 phones from when I opened this account I was told once my contract is over I will own the phones free and clear. Thats not what happened after paying my bill on time every month until the contract was over I was under the impression the phones was mines it wasnt until around XX/XX/XXXX when I realized they was saying I owed them for the phones that I paid for over 2 years on time in full. I called XXXX so they can pull up the recording of what I was told that day they said they couldnt unless they the phone Is number which I dont have the phones anymore.
Product: Credit reporting or other personal consumer reports

I recently tried to review a copy of my credit score. And XXXX isnt allowing me it keeps giving me an error message of we cant show you todays 3-bureau report. Ive tried contacting customer support multiple times. Ive paid XXXX to view my score. They took the money but still will not let me view my score and denied me a refund.
Product: Credit reporting

I have XXXX collections that just showed up on my reports. This item has been removed before I believe because the amount is the same. If the reporting companies where to investigate this they will find it is not mine or that this alleged debt is uncollectible and this is a duplicate item that has been removed. I want it ran down and I want to know how this was put on my reports when I have absolutely no idea what or where this has come from. NO validation has ever been. sent to me EVER concerning this from either of the companies that say I owe this money. I have been dealing with scammers for over 2 years now and I am ready to litigate with anyone over this here in XXXX. I do n't know how this can be put on my reports when there is no verification of said debt??? This is illegal and I want my credit back to normal. I hold the reporting agencies responsible for helping fraudulent collection companies put wrong, inaccurate and and un verified and unvalidated items on my report, how is this legal??? This item has been passed around to at least XXXX collection agencies and I have managed to keep it off my report until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

From outset of lease in XX/XX/2017, we repeatedly tried to have Toyota Financial debit our account for the monthly lease payment. In XX/XX/2017, we sent Toyota the appropriate form to complete the transaction. Later we were told that this had been processed. As an elderly couple that occasionally travel, we assumed the matter was settled. Instead when we arrived home in early XXXX, we had been billed double the lease payment plus late fee. This indicated Toyota had not drafted our account. Promptly we paid their invoice and again went through the troubles of setting up this drafting.

Driving 50 mile round trip to the Toyota facility in XXXX from where we had leased the car, the financial officer instructed us to again complete and file a draft authorization. Meanwhile Toyota notified us that we had to pay 100 % of the remaining lease immediately.

Although the matter was finally settled, Toyota reported this to the credit bureau with the result that our good credit rating was adversely affect. I wrote to Toyota appealing this unjust treatment only to receive a reply from them refusing our appeal.
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXXXXXX 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 a account without my written instructions