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

Subject : Formal complaint against Equifax for failure to properly investigate and my complaint and provide proof of hard inquiry disputes as well as failure to correct personal information after proof was provided. 

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding their handling of my dispute concerning unauthorized hard inquiries and inaccurate address reporting on my credit report. I believe Equifax has violated my rights under the Fair Credit Reporting Act ( FCRA ) by failing to properly investigate my dispute and provide verification of the inquiries as required by law. I have disputed this issue online, by certified mail and I have called. 
The disputes are XXXX. XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/year> XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX. XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX On XX/XX/year>, I submitted a formal dispute to Equifax via certified mail, contesting three hard inquiries that appeared on my credit report without my authorization. Additionally, I disputed an incorrect address listed on my report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable investigation and provide verifiable proof of the disputed information within 30 days.

Equifax responded by stating that the inquiries had been " verified '' by the companies in question, but they failed to provide any documented proof of my authorization of the inquiries. When I contacted Equifax to request this proof, a supervisor informed me that Equifax does not provide such documentation to consumers. This refusal contradicts FCRA Section 609 ( a ) ( 1 ), which entitles consumers to all information in their file at the time of request, including documentation used to verify disputed items. 
As a result of these unauthorized inquiries, I have been denied credit by XXXX XXXX, citing " too many inquiries '' as the reason for my denial. Although I have a credit score of XXXX with Equifax, this has caused financial harm to me, impacting my ability to obtain credit and damaging my creditworthiness unfairly. 
I request that the CFPB investigate Equifaxs failure to comply with federal regulations, including : Equifaxs failure to provide verifiable proof that I authorized these hard inquiries.

Equifaxs failure to conduct a proper reinvestigation under FCRA Section 611.

Equifaxs refusal to provide the supporting documentation used to " verify '' the disputed inquiries.

The impact of Equifaxs negligence on my creditworthiness and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/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 XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

XX/XX/XXXX USAA began a fraud investigation on XXXX Purchases dated XX/XX/XXXX {$170.00} & {$170.00} You can view them on XX/XX/XXXX Statement enclosed I HAVE NOT BEEN NOTIFIED OF ANY RESOLVE.What is the resolve? This is now XXXX! 
Why did USAA begin a fraud investigation on XX/XX/XXXX for these amounts you can view on my statement {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? 
What was the resolve of each amount shown as a fraud investigation beginning? Please give accurate purchase dates and Merchant Names
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is keeping a bankruptcy on my credit report and claiming that they verified it with XXXX. The issue with this is that XXXX deleted this public record from my report due their inability to verify it. 

I disputed the inaccuracy and received a letter dated XX/XX/XXXX stating that they verified the public record. I have a report from XXXX dated XX/XX/XXXX that doesn't report any public records. 

I'm not sure if this was a mistake on their end, but I think they need to be held accountable since they're reporting something unverifiable. 

I'm attaching my social security card, driver 's license, recent utility bill, the letter from XXXX stating they deleted the record, the XXXX public record page on my XXXX report, and the letter from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXXXXXX XXXX Account Number : XXXX XXXX Account Number : 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 An 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: Mortgage

I have written to your office before regarding this loan. XXXX XXXX XXXX who claims to be the Servicer for Atlantic Pacific Mortgage Corporation, illegally increase my payment. I contracted with Atlantic Pacific Mortgage Corporation on XX/XX/XXXX to pay {$700.00}. I pay my own insurance & the property is exempt from tax. I went to pay my bill and there was an increase on my payment for {$270.00} without an explanation. 
For each complaint, XXXX fails to give the correct information and XXXX XXXX keep violating my contract by adding additional money to my mortgage without an explanation. 
General Loan Information Current Principal Balance {$74000.00} Current Interest Rate 6.000 % Year-To-Date Totals Principal {$0.00} Property Taxes {$0.00} Interest {$0.00} Hazard Insurance {$0.00} Payment Information Last Payment Received XX/XX/XXXX Next Payment Due XX/XX/XXXX Total Monthly Payment {$980.00} XXXX insist on creating an escrow account for insurance even though the insurance is taken from my bank account Escrow Information Click here to update your insurance informationPRINT PRINT Loan Number XXXX Property Address XXXX XXXX XXXX City , State, Zip XXXX , NJ XXXX Borrower Name XXXX XXXX Escrow Summary Last escrow analysis date ( month/year ) XX/XX/XXXX Current escrow account balance ( {$1300.00} ) Current escrow payment {$270.00} Projected escrow payment {$92.00} Projected escrow payment effective date XX/XX/XXXX Taxes Tax Description Tax paid to Tax ID Number Installment Amount Next Due Date City tax XXXX XXXX XXXX XX/XX/XXXX City tax XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XX/XX/XXXX Homeowner and Hazard Insurance ( s ) Insurance Type Hazard Insurance Company Policy Number Policy Expiration Date Annual Premium Amount Homeowners ( primary ) XXXX XXXX XXXX XX/XX/XXXX {$1300.00} Your annual hazard insurance premium is : {$1300.00} These are my payments automatically sent from my bank to XXXX XXXX : Policy goes from XX/XX/XXXX-XX/XX/XXXX 1. XX/XX/XXXX Withdrawal-ACH-A-XXXX XXXX XXXX XXXX ( EFT PYMT ) ( {$92.00} 2. XX/XX/XXXX Withdrawal-ACH-A-XXXX XXXX XXXX XXXX ( EFT PYMT ) ( {$190.00} ) 3. 

From XXXX XXXX : Welcome, XXXX! 
Automatic payment of {$92.00} is scheduled for XX/XX/XXXX Payment Due : {$92.00} MONTHLY EFT Due Date : XX/XX/XXXX HOME Home - XXXX XXXX XXXX Policy # : Get evidence of insurance ID card Payment History for Insurance Policy from Farmers My PaymentsDownload Payment History Receipt DateDescriptionAmount XX/XX/XXXX AUTOMATIC PAYMENT using CHECKING ( XXXX ) Print Details - {$92.00} COMPLETED XX/XX/XXXX AUTOMATIC PAYMENT using CHECKING ( XXXX ) Print Details - {$190.00} COMPLETED XX/XX/XXXX Payment Transfer using Transfer/Redeposit Print Details - {$1000.00} XX/XX/XXXX Refund to Company using Transfer/Redeposit Print Details {$1000.00} XX/XX/XXXX Refund using Transfer/Redeposit Print Details {$1000.00} XX/XX/XXXX PAYMENT PROCESSING CENTRE using CHECK Print Details - {$1000.00} COMPLETED The {$1000.00} were verified as received by the company ( See responses to previous complaints ).
Product: Credit card or prepaid card

I am writing to address a matter of utmost concern regarding the inaccurate information being reported on my consumer credit report by CBNA. It has come to my attention that the account in question is reporting inaccurate details concerning its opening dates. XXXX reports the account was opened on XX/XX/2017, while XXXX and XXXX report it was opened on XX/XX/2017. This discrepancy in reporting is causing significant damage to my reputation and has resulted in denials of credit applications. I demand the immediate removal of this inaccurate account from my consumer report. 
The reporting of incorrect information on my consumer credit report by CBNA is not only misleading but also damaging to my creditworthiness and overall financial standing. This inaccurate reporting is tarnishing my reputation and causing substantial harm, leading to the denial of credit opportunities. It is imperative that CBNA takes responsibility for the accuracy of its reporting and promptly rectifies this situation by removing the account from my consumer report. 
In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I demand the immediate removal of this inaccurate account from my consumer report. The presence of this erroneous information is causing harm to my reputation and financial well-being, and it is your responsibility to rectify this situation without delay.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX - account was settled by bank XXXX debt consolidation program XX/XX/year>. Debt was settled for XXXX, not XXXX. Information was sold to this creditor. Payment was sent to XXXX prior to account shutting down due to company switching credit card service providers. 

XXXX. XXXX XXXX XXXX XXXX - Payment was settled XX/XX/year> XXXX. XXXX XXXX XXXX - XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I am writing to express my deep concern regarding the charged-off account from XXXX XXXX  account XXXX, which has been reported on my credit report for several months now. I believe that XXXX XXXX  is currently violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting this account as current, instead of being charged off and closed as it has been for months. This has resulted in significant harm to my credit report and has cost me thousands of dollars in lost opportunities. 

Furthermore, I would like to bring to your attention that a full and proper investigation was not conducted to validate the accuracy of this account. I was not provided with the actual date of the first delinquency, the account closure date, the original contract showing my signature, the name of the representative that validated every piece of information to be 100 % accurate and verifiable, and the time they spoke to ensure that the payment history is accurate. I am concerned that your reporting of this account has been inconsistent with other credit bureaus, which is a violation of my rights under the FCRA. 

I would like to emphasize that an account can not be reported as current after it has been charged off. Therefore, your company 's recent decision to report this account as current is a violation of the FCRA. 

I am requesting that your company immediately investigate this matter and provide me with a detailed explanation of why the account has been reported as current, instead of charged off and closed as it has been for months. If every piece of information related to this account can not be validated and is not 100 % accurate then I am requesting that it be deleted from my credit reporting. 

I look forward to hearing back from you in a timely manner regarding this important matter. Thank you for your attention to this matter. 

Sincerely, 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 XXXX XXXX XXXX XXXX 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. Or list of inquiries 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

Transunion credit report is inaccurately reporting accounts and account information that has not been properly verified. Reporting collections as open accounts, reporting collections with past due balances, reporting c/o after the accounts are closed. Inquiries reporting that are not authorized or attached to an account. Personal information that has not been updated reporting phone numbers and employers I am not associated with. I've sent several certified letters requesting this information be updated and as of today, XX/XX/2022 it has not.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries On my credit report and I want them removed immediately. 
According to FCRA These unverified An unauthorized Inquiry items must be removed All inquiries they were not authorized by me XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have no knowledge of or consent to these following credit inquiries, and it has been placed on my credit report without my authorization. This unauthorized inquiry not only damages my credit score but also constitutes a potential violation of consumer protection laws and the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 or other personal consumer reports

This will now be my third attempt in resolving inaccurate information being reported to my credit in direct result of identity theft. These accounts are unverifiable and affecting my ability to obtain lines of credit. This information reporting to my profile is in violation of the FCRA laws.

I have the right to privacy, and reporting information without my written consent is in violation of 15 USC 1681B Furnishing account in direct result to my credit profile is in violation of 15 USC 1681 c-2
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I submitted a dispute with all 3 credit bureaus regarding a few accounts reporting on my credit file.

I dont recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments.

Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXXXXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
ccount name XXXX XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. 
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA.

Each time I call or submit a dispute regarding these items on my credit file the bureaus don't investigate anything within 2 days they somehow keep validating these accounts.