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

I submitted multiple formal dispute letters to Equifax regarding unauthorized credit inquiries, inaccurate credit report entries, and unverifiable accounts on my credit report. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), Equifax is legally required to conduct a reasonable reinvestigation within 30 days and correct or delete any information that can not be verified. However, Equifax has failed to comply with this law. 

Timeline of My Disputes and Equifaxs Failure to Respond Properly : XX/XX/scrub> 2024 I sent my first formal notice disputing inaccurate accounts and unauthorized inquiries. I also included proof of identity. 
XX/XX/year>2024 I sent a follow-up letter after receiving no meaningful response from Equifax, demanding compliance with Metro 2 reporting standards. 
XX/XX/year>2024 I sent a second formal notice demanding that Equifax either verify or remove the disputed information, as required by law. 
Despite my multiple disputes, Equifax has : Failed to provide any documentation proving that the disputed accounts and inquiries were authorized. 
Refused to remove unverifiable items, violating FCRA laws. 
Ignored my requests and has not conducted a reasonable reinvestigation. 
Delayed and obstructed the process by repeatedly asking for unnecessary identity verification, despite already receiving my documents. 
Equifaxs continued failure to investigate and correct these errors is a direct violation of the Fair Credit Reporting Act ( FCRA ) and has negatively impacted my credit standing. 

How This Has Affected Me : My credit report remains inaccurate, affecting my financial reputation. 
Equifaxs inaction is preventing me from resolving fraudulent or unauthorized credit activity. 
The companys failure to act has forced me to escalate this complaint to regulatory authorities.
Product: Payday loan, title loan, personal loan, or advance loan

Dollar Loan Center has called me numerous times a day from XXXX XX/XX/year> despite me speaking to a representative on XX/XX/year> and on XX/XX/year> when I was forced to speak to a representative because they contacted me at my job after calling my cell phone. On both XX/XX/year> & XX/XX/year>, I asked the representatives to stop calling me. I received another call from them on XX/XX/year> and again asked the representative to stop calling me or contact me at my job.
Product: Checking or savings account

In XXXX we contacted USAA about charges on our account. They were from a subscription that I had canceled but they were still charging us. We talked to some wonderful representatives ( who also refunded us OVER {$1000.00} in NSF fees from the bank reordering our transactions... see other complaint ). We found over XXXX times our card was used without authorization from this company and at the time had XXXX credits placed on our account of {$79.00}. Fast forward to XX/XX/23 and after no contact from USAA about the investigation or asking for documentation, we get hit with XXXX charges of {$79.00} labeled as temporary credit rev. What happened to talk to your customers? What happened to communication?
Product: Credit reporting, credit repair services, or other personal consumer reports

ACS/XXXX XXXX is reporting a student loan incorrectly on XXXX that is outside the 7-year statute of limitations with 180-day lates in XX/XX/XXXX. It should have been deleted on XX/XX/XXXX since the last payment was made XX/XX/XXXX. SEE ATTACHED DOC
Product: Credit reporting or other personal consumer reports

Accounts closed, written off sold without permission. Requesting 10-99 for tax purposes Verification of this accounts validity under the Fair Credit Reporting Act ( FCRA ). 
2. Any associated documentation, such as signed agreements, payment history, and supporting income reports, including but not limited to IRS Form 1099 if applicable.
Product: Money transfer, virtual currency, or money service

I have 4 stolen checks that were deposited likely using some kind of mobile app, to a Wells Fargo account. The checks were made out to 4 different persons or entity, and successfully cashed through  Wells Fargo by a person named XXXX XXXX. 
There are no bank markings, deposit stamps, or any form of identification on the checks that were cashed. It appears these checks were deposited using a mobile device app offered by Wells Fargo [ and I understand also XXXX offers this " convenience '' ]. There is no positive i.d . required. So the thief just puts the money in his account, waits for the check to clear, then draws it out. This system of making deposits MUST STOP. It is not going to work. I have not been unable to get any cooperation from Wells Fargo in tagging the thief, which they can easily do. Perhaps there is someone inside the bank working with him. 
I have filed all the reports I can locally with the County and DA. You need to pick this up and get Wells Fargo to cure this easy fraud. Anyone can do this, any time, any where. This is a very BAD situation for us as account holders issuing paychecks and payments on account by check.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received an incoming call at XXXX that showed as XXXX XXXX XXXX XXXX my caller ID. The phone number shown was XXXX. 

Caller stated that the call was regarding XXXX # XXXX which was opened because of XXXX purchases made through my Zelle account to a XXXX XXXX in CA. XXXX charge was for {$990.00} and the other charge was for {$1200.00}. 

Caller said these charges were done using my IP address and asked if I wanted to press charges. I said yes. 

The caller then stated their name was XXXX XXXX, badge number XXXX and they could be reached at XXXX ext XXXX. XXXX then transferred me to an account XXXX to help me retrieve the money. 

I had just recently activated Zelle to be able to deposit money in my son 's XXXX XXXX account. Because of that, how the call came through as XXXX XXXX XXXX, and how official it all sounded I truly believed I was speaking to XXXX XXXX XXXX 

The account XXXX game me void cancellation codes for the charges. The {$990.00} charge code was XXXX and the {$1200.00} charge code was XXXX. The account specialist told me these charges were being done by someone in my city. They listed names of streets around my home address and gave me an address from down my street. The account specialist told me that to reverse the charges I was to use Zelle and put certain codes in the dollar amount and send them to a manager. Names and numbers for managers they gave me that did not work because the account specialist said the managers weren't available to receive the codes included - XXXX XXXX, XXXX ; XXXX XXXX, XXXX and XXXX XXXX, XXXX. The XXXX 's name and number that did work to send the codes to was XXXX XXXX, XXXX. This was where I ended up sending the money that I was told were just codes and losing {$3500.00} dollars. After being on the phone with the account specialist for over XXXX hours I realized this was a scam and told them I was calling XXXX XXXX. They hung up on me. 
I called XXXX XXXX and submitted a claim with the fraud department. 

They called me again on XX/XX/year> at XXXX from XXXX. I recognized the number being similar to the XX/XX/year> phone call. I answered it and aske for my money back. They hung up on me. 

They called again on XX/XX/year> at XXXX from XXXX. They said they were from XXXX XXXX and there were fraudulent charges on my Zelle account. I asked for the person 's name. They said it was XXXX XXXX. I told them this sounded like the same scam I had been through and was calling XXXX XXXX. They hung up. 

When XXXX XXXX determined that no fraud had taken place and I had no recourse to get my money back, I requested a copy of the investigation file. They did mail this to me. 

I filed a complaint with Zelle online on XX/XX/year> I filed a fraud complaint with the FTC on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several incorrect address with Experian several times. Experian is saying that they can not remove the fraudulent addresses because companies are reporting these addresses. I have never lived at these addresses and Experian is violating the FCRA by reporting these addresses for me. Please remove the attached addresses.
Product: Credit reporting or other personal consumer reports

I noticed a large collection on my Credit report in XXXX of XXXX with XXXX XXXX XXXX XXXX Account number XXXX for {$15000.00} which was originally from XXXX XXXX XXXX which was attached to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, CA XXXX. Needless to say I was very alarmed for a few reasons : 1 ). I had moved out and my Ex, XXXX XXXX took over the lease back in XXXX. 
2 ). XXXX XXXXXXXX attempted an unlawful eviction on XXXX by shutting down his ability to pay online and he went to court for it and came to an agreement that he would move out and no monies owed. 
3 ). They told XXXX that they listed itemized repairs of {$1300.00} and back rent owed, which the judgement from the court states they are not able to do this. 

I have attempted to dispute this with the Credit Bureaus on 2 separate occasions : XX/XX/XXXX and XX/XX/XXXX ; both times these institutions had said that the original creditor validated the information despite the ample evidence that I provided to them. 

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are violating the FRCPA and the FCRA by illegally putting a collection on my Credit report after I moved out and was removed from the lease, but also after my ex boyfriend went to court and came to an agreement that he would move out and no monies is owed. 

Attached to this complaint I have included the documents from the court that XXXX received ( not me as I was removed ) that clearly states XXXX dollars is owed to XXXX XXXX XXXX ( Dated XX/XX/XXXX ). I have also attached documentation from the XXXX XXXX who is an attorney at XXXX XXXX XXXX where it clearly states the record is sealed and done ( Dated XX/XX/XXXX ). I have also included text messages with XXXX notifying me of said information. 

At first, I believed that this is a simple mistake, which is why I tried to dispute it with the Credit Bureaus yet the Credit Bureaus did not seem to look at the documentation which clearly shows that XXXX is not allowed to report this information because it is violation the Court Order. The Attorney who represented XXXX, XXXX XXXX stated to reach out to her if this information ever showed up on a consumer report so they could pursue this illegal collection matter. Before I pursue that route and hire an attorney, I wanted to attempt one last time to see if the bureaus would remove this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a few investigations in negative credit reporting of ninety days late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until XXXX XXXX, 2017 ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until XX/XX/XXXX because I had no clue that I was in repayment until XX/XX/XXXX. The statements were being sent to the XXXX University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all XXXX credit bureaus. I could not have put my account on e-statements because I just created an account with XXXX XXXX in XX/XX/XXXX. The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : These items belong to someone else with a similar name. XXXX XXXX XXXX, date-XX/XX/XXXX, acc-XXXX, bal- {$160.00}, XXXX  XXXX XXXX  , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XX/XX/XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX XXXX, date-XXXX , acc-XXXX , bal- {$540.00}, XXXX XXXX, date-XXXX, acc-XXXX , bal- {$20000.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$640.00}, XXXX XXXX, date-XXXX, acc-XXXX, bal- {$1300.00}, XXXX XXXX XXXX XXXX, date-XXXX, acc-XXXX, XXXX  XXXX XXXX , date-XXXX, acc-XXXX, bal- {$460.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX XXXX, date-XXXX, acc-XXXX, bal- {$0.00} , XXXX XXXX, date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$0.00}, XXXX XXXX , date-XXXX, acc-XXXX, bal- {$680.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, XXXX XXXX, date-XXXX , acc-XXXX, bal- {$0.00}, Us Dept. Of Education,  date-XXXX, acc-XXXX, bal- {$32000.00}, Us Dept. Of Education, date-XXXX, acc-XXXX, bal- {$6.00}
Product: Credit reporting or other personal consumer reports

I request the immediate removal of fraudulent information from my credit file. This inaccurate data, which should have already been deleted as it stems from fraud, continues to persist. Under FCRA Section 605, you are legally required to eliminate any erroneous records. I have previously submitted the necessary supporting documents, which I am resending for your reference. My attorney has been notified and is prepared to take legal action if this matter is not resolved promptly. 
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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through experian. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : American Hinda Finance - acct # XXXX - date owned : XX/XX/XXXX XXXX XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX XXXX  Card XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX US Sm Bus Admin ODA XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint in response to XXXX XXXX XXXX XXXX to update this suspicious information. Credit Bureau must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). 
XXXX XXXX  XXXX XXXX XXXX  Owed : {$13000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not working during the summer and I could not make payments on all of my loans ( I have three different loans with XXXX ). I did make payments on the smaller ones, to make sure not all loans were late, but I did n't make the payment for the month of XXXX and XXXX on my {$170.00} loan. I called XXXX several times to make sure they would know of my situation. I was told several times that as long as I did n't fall behind my payments for longer then 90 days they would not report to credit agencies. I did my best, I did what I could do to keep my account in good standards. I called XXXX to make a payment arrangement of {$450.00} for a few days before they said my account would be reported to major credit agencies, on XX/XX/XXXX. Today I received an email from XXXX XXXX saying that my score has gone down and that I fell behind my payment. I am extremely unhappy and upset. During the summer I was driving XXXX and XXXX to make sure I would take care of these payments but XXXX did not keep their promise and Inow have a negative on my credit report. Is there something I can do to update my credit score? Can XXXX fix this problem? All these arrangements were done over the phone and I now know that whenever I arrange something I should email them.
Product: Debt collection

The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until 2 months after it was mailed because I have not resided at that address for more than 2 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was not living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX  and XXXX  breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Experian shows multiple invalid account that re causing detriment to my score. My Report is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX as charge offs. All of that information is invalid. My report also shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported 4x on my report dated XX/XX/2020, XXXX and XX/XX/2020 ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. None of the accounts mentions are valid. I have requested for Experian these inaccurate accounts or validate them, but have I gotten no response or action from Experian. This has cause detriment to my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting a collection on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) These charges were covered by my medical insurance and these charges were submitted when services were obtained. I received a bill and contacted the billing department and provided the representative at the billing department all of the insurance information again however, it was still not billed correctly. I have attached a copy of my insurance card for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I applied for a loan with Xact. They did a soft credit pull and it was never an inquiry on my credit report. I paid the loan in full months early and as soon as I did that they put two inquires on my credit report. One in XXXX of XXXX when the loan was issued and one in XXXX of XXXX when I paid the loan off. Why would they do a hard pull when you paid it off?
Product: Debt collection

I would like for the MIDLAND CREDIT MANAGEM to show proof of verification that I owe them {$64000.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to. 
Please provide this within 30  days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt is immediately stopped.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXX  XXXX # XXXX {$2800.00}
Product: Mortgage

Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX. 
I contacted XXXX and the rep says there is no record of any request from Suntrust. 
Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.
Product: Credit reporting or other personal consumer reports

INCORRECT ADDRESSES AND PERSONAL INFORMATION ON MY CREDIT REPORT
Product: Vehicle loan or lease

Credit Acceptance Corporation received my application and it was deposited into their financial institution in which it is recorded as an asset for Credit Acceptance Corporation. The goods I purchased that day in good faith and exchanged my signature which is the estate property along with the identification number issued by the social security administration. The note gains interest monthly and has a payout date of maturity in 10 years or less. The note has been sold and has earned as of XX/XX/2024 just over XXXX XXXX dollars and this security is the estate property and the goods have been seized even though Credit Acceptance Corporation knowingly should have applied the equitable interest from my investment to the account for settling. I do believe Credit Acceptance Corporation has violated international commerce laws, security trading laws, and committed tax evasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit for the first time in 4 years and I saw a couple of accounts and many inquiries that are nominee. These suspicious accounts and inquiries need to be removed from my report, it is fraudulent information.