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

Subject : Complaint Regarding Unauthorized Credit Inquiries on My Equifax Report Dear CFPB, I am writing to file a complaint regarding multiple unauthorized and outdated inquiries that are appearing on my Equifax credit report. These inquiries were made without my consent and continue to negatively impact my credit profile. Below are the details : Unauthorized Inquiries : XXXX. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. Equifax Mortgage Services Inquiry on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX on XX/XX/XXXX ( Miscellaneous Reporting Agencies ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( XXXX XXXX ) XXXX. Additional inquiries dating back to XX/XX/XXXX and earlier, including XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, and others, which I did not authorize. 



Issues : 1. I did not provide consent for the above-listed companies to perform hard inquiries on my credit report. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), which states that consumer consent is required before any hard credit inquiry is conducted. 


2. Some of these inquiries are outdated and should no longer be reported. Under the FCRA, hard inquiries should automatically drop off my credit report after two years. However, old inquiries remain on my report despite this timeframe. 



Actions Taken : I contacted the companies involved to dispute these inquiries but received no satisfactory resolution. 

I also disputed these inquiries directly with Equifax ; however, they have not been removed or properly investigated.

Request :

1. I am requesting an immediate investigation into these unauthorized inquiries and their removal from my Equifax credit report. 2. I also request that Equifax be held accountable for failing to ensure accurate reporting under the FCRA, specifically Sections 604 ( a ) ( 2 ) and 604 ( c ), w
hich govern permissible purposes for obtaining consumer reports. 



These inquiries are unfairly damaging my credit score and financial reputation. I respectfully ask the CFPB to intervene and ensure that my rights as a consumer are upheld. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

There are accounts under my name that is a result of Identity Theft as well as inquiries that I have no direct engagement with. I have already files the proper documentation for these and have sent it to the bureaus but they did not remove them. 
Please see attached documents for these accounts i am complaining.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act FCRA to conduct a reasonable re-investigation of disputed information on my credit report, leaving in accurate or unverifiable accounts, unresolved. The consumer financial protection bureau CFPB has recently file a lawsuit against Experian alleging, systematic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing.to adequately notify consumer of disputed outcomes these failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experians inaction violates federal laws and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 2 months experian is not reporting properly the status of my XXXX visa reward card.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute Request for Investigation and Correction of Late Payment Reporting on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the reporting of late payments on my credit report for the XXXXXXXX XXXX  account with account number XXXX. After reviewing my credit report again, I noticed that despite my initial dispute filed on XX/XX/XXXX, no corrections have been made. I am disappointed to find that the discrepancies still persist, and I am seeking resolution as outlined under the Fair Credit Reporting Act ( FCRA ). 
Summary of Errors : Inaccurate Late Payment : The account is incorrectly reporting a 30-day late payment for XX/XX/XXXX, which does not align with my payment records. 
Discrepancies Across Bureaus : The reported details for the same account vary across XXXX, XXXX, and Equifax, including differences in dates of last activity, dates reported, and account descriptions. 
Failure to Correct Errors : Despite the first dispute on XX/XX/XXXX, no action has been taken to address or rectify these inaccuracies. 
Violation of Payment History Accuracy : My records indicate that all payments were made on time, and this error has negatively impacted my creditworthiness. 
Reason for Dispute : The account in question is inaccurately reporting a 30-day late payment in XX/XX/XXXX, as noted in my credit report. However, according to my records, all payments were made on time for the entirety of the loan term. This reporting is erroneous and damaging to my credit profile. 
Violation of the FCRA : As stated under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), consumer reports must only include accurate and verifiable information. Furthermore, under 15 USC 1666 ( b ), creditors are required to mail periodic statements to consumers no later than 21 days before the payment due date. Failure to correct this error and provide verifiable proof constitutes a violation of these obligations. 
Request for Action : Correction of the Reporting : Update the account status to reflect Paid As Agreed Never Late. 
Investigation Procedures : Provide a detailed description of the investigation process followed by your agency as required under 15 USC 1681i ( 7 ). 
Documentation : If the reported late payment can not be corrected, provide documented evidence of the claimed late payment, including dates, amounts, and communication records. 
This is my second dispute regarding this matter. No action was taken after my initial complaint was filed on XX/XX/XXXX. The lack of correction and response is deeply concerning and unacceptable. I kindly urge you to take immediate action to investigate and correct this error, or provide documentation supporting the validity of the reporting. 
Under the FCRA, you are obligated to respond within 30 days of receiving this dispute. Please address this matter promptly and provide written confirmation of the steps taken to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response and resolution. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This originated from XXXX. I tried calling to get verification from XXXX which they have closed the account and XXXX XXXX is the collection agency. I have never received any mail from midland I have just seen it show up on my credit report. I am recently divorced and the debt was awarded to my ex husband in the divorce. I do know the debt with XXXX was not {$2800.00} which midland states. when I called to give divorce paper work the guy told me they are suing me but yet ive never had any mail or anything about paying them at all. Even when calling XXXX I was told not to worry about it and to disregard. I do know they can not charge more for a debt than the original debt was its illegal.
Product: Vehicle loan or lease

Paid car loan in full, on XXXX19, was told title and lien release was mailed on XXXX19 and to allow 7-10 business days for receipt. Several phone calls after the 10 days to advise no title was received. Spoke to supervisor who DID NOT return call as promised. Still have not received it as of XXXX19. Have called multiple times to inquire. Each time was told to wait longer. Last call on XXXX19 was told " OH IT MUST BE LOST ''! Was told they will XXXX  XXXX lien release, paid in full documents and I would receive them in 1-2 days. Still no documents as of today, XXXX19. Another phone on XXXX19 indicated that the documents still HAVE NOT been sent out. currently waiting another return call.
Product: Credit reporting or other personal consumer reports

LexisNexis has published and provided information to the credit reporting agencies stating that I have a XXXX XXXX XXXX XXXX bankruptcy on my file from XX/XX/XXXX and XX/XX/XXXX respectively. They stated they received this information from the courts. This is incorrect and Im asking that it is removed immediately as this is a violation of my rights. I have a letter from the bankruptcy court stating that they did not report this information to LexisNexis or any other credit agency.
Product: Debt collection

I am a XXXX man, and I was very upset, on XXXX, XX/XX/2023, when I received a phone call at XXXX XXXX. 
I missed the call but was concerned because someone was calling me so early. Even though I didnt recognize the number, I immediately called back. 
The call was from a collection agency demanding payment on an old debt that was past the statute of limitations, in New York. 
The name of the agency is : IC Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX I didnt recognize the name of the company they claimed I owed money to and the debt they were demanding payment on was XXXX or XXXX XXXX XXXX. 
I would like to file a complaint. 
Not only is this agency calling at an illegal time, but they are also participating in a predatory practice when they targeted, at least, this senior and demanded payment on a debt that is no longer a legal obligation. 
I would appreciate it if you could investigate this situation and let me know the results of your investigation. 
Thank you for your attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX
Product: Student loan

My loan servicer is : Oklahoma Student Loan Authority. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX I want to be able to make auto deposits while in school while no monthly payment is due. I want to do so to begin paying down student loans and reducing the total amount of interest paid. 

OLSA will not allow direct/auto deposits. OLSA policy is stated as such : " You are not eligible to sign up for auto debit because you do not have a payment due. When your loan ( s ) is in a repayment status or within six months of your next payment due date, please return to this page to sign up for auto debit. If you would like to make a one-time payment, you may click Pay Now from the Payments menu item. '' Such a policy is a predatory lending practice because it reduces the likelihood of paying down the balance of the loan ; therefore, increase the amount of interest the company can collect from students. Auto deposit should be available to all student borrowers at all stages of the loan to encourage loan repayment and minimize the amount of interest a student accrues. 

Please help me in activating this simple feature that should be available to all. 

Best, XXXX XXXX
Product: Debt collection

I received a call from a " XXXX XXXX '' who left a voice mail on my girl friends phone. She stated that charges are going to be filed against me and my social security number. She left no company name, no explanation as for the call except that charges would be filed against me. I want to see them ( Zenco ) in court in XXXX XXXX Oregon where I live, at least in court I can have discovery. I am afraid that some company like this will take legal action, for what I have no idea, and obtain judgment or press criminal charges without notifying me as required by law. I returned the call and left a message asking for verification of alleged debt or charges.
Product: Credit reporting

There is an account listed as in collections from XXXX XXXX. I do not know where this account came from as I have never been to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 alleged fraud or extortion. 
XXXX XXXXXXXX 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

On XXXX, I submitted a request to block some accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
US DEPT OF EDXXXX XXXX .... Balance : {$92000.00} US DEPT OF EDXXXX XXXX .... Balance : {$82000.00} XXXX XXXX XXXX ... XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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
Product: Credit reporting or other personal consumer reports

I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Experian that these are from fraud.
Product: Credit reporting or other personal consumer reports

These furnishers continue reporting false, inaccurate information on my credit report. YOUR COMPANY continues to report the inaccurate information on my credit report that violations of my rights under the FCRA. In addition, here are some of the laws that continue to be broken at my expense! 
- Per Section 623 15 U.S. Code 1681s2 : 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. 
- Per Section 623 ( a ) and 623 9 ( a ) ( 2 ) : Duties After Notice of Dispute from Consumer. If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. 
- Per Section 623 ( a ) ( 5 ) : Duty of furnishers to provide date of delinquency on charge-off, collection or similar accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Regional Acceptance have file a profit and loss and did not send a 1099., I have called and requested XX/XX/year> and have not received
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I purchased a pre-paid Netspend card in early XX/XX/2021. To use the card Netspend requires a social security number and other personal identifiable information. 
I followed the directions included with the card and called XXXX to activate the card, but had trouble with activating the card to use. I purchased it as a wedding gift for my niece, but she could not use it after I tried to activate it. 
My niece ( whom I gifted the card to ) and I called Netspend at XXXX ( the telephone number on the back of the card ) on XX/XX/2021 around XXXX and spoke to a guy named XXXX XXXX XXXX informed my niece and I that he would send me a check in the amount I paid- {$100.00}. He informed me that the check would arrive within 2 weeks or so, but it is XX/XX/2021 and I still have not gotten the {$100.00} check. 
I called Netspend back on XX/XX/2021, and Netspend said that they had sent the check, but I have never received it. 
I have waited on hold and spent a great deal of time trying to get my money back. The company telephone number has had me waiting for long hold times and I just want my money back.
Product: Checking or savings account

1 ) Transferred electronically XXXX $ to XXXX XXXX on XX/XX/XXXX using HSBC online banking 2 ) waited for 3 business days and contacted 2nd and 3rd day to HSBC customer service and inquired on transaction status. A ) the online chat representative said - the cash will be deposit to payee in the form of Check ( which I never instructed them to pay in the form of check ) B ) at the same time I called to customer service via phone and the person mentioned that - since you did electronically the deposit will be happen by the end of 3rd business day. It was so frustrating that, why money is depositing in the form of check? with out having any knowledge from my end. 
I was totally confused by the statement -- -- -- '' a number of different factors are considered to determine how the payment will be sent, we can not tell which method of payment will be used until the payment is processed. Based on factors considered, our payment system selects the most appropriate method. 

Electronic payments are sent whenever possible. If the payee does not permit or accept electronic payments, then those funds will be remitted to the payee through the use of a paper check issued by HSBC or its agent and payable to the payee, as instructed by you. This paper check will state that it represents a payment from you and will indicate the account number of your account or reference number with the payee. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- this is a system generated message and they keep on mentioning this point only. I have more than 10 years of experience in doing online transactions and never ever come across with such a bad experience. 

i want to close my checking account, however i would like to report this to government. please help.