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

Subject : Feedback on Equifaxs Response to Complaint # XXXX Dear CFPB and Equifax, Thank you for responding to my complaint regarding unauthorized credit inquiries on my credit report. Unfortunately, I find Equifaxs resolution inadequate and lacking proper adherence to the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S.C. 1681b - Permissible purposes of consumer reports, a consumer reporting agency may only furnish a consumer report under specific circumstances, such as : 1. In accordance with the written instructions of the consumer to whom it relates.

2. In connection with a credit transaction initiated by the consumer.

3. In connection with the review or collection of an account of the consumer.

The FCRA also outlines that a consumer reporting agency must ensure proper verification of any disputed items, including credit inquiries, and provide documentation supporting their legitimacy. Specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Agencies must conduct a reasonable investigation to determine the accuracy of disputed items.

15 U.S.C. 1681b ( f ) : No person may obtain a consumer report unless they have a permissible purpose under the FCRA. 


In my complaint, I clearly stated that I did not authorize the inquiries from the following entities : XXXX. XXXX  : XXXX Date : XXXX XXXX, 2024 XXXX. XXXX XXXX XXXX : Inquiry Date : XXXX XXXX, 2024 XXXX. XXXX  XXXX XXXX  : Inquiry Date : XXXX XXXX, 2024 XXXX. XXXX XXXX XXXX XXXX XXXX Date : XXXX XXXX, 2024 Equifaxs response fails to demonstrate compliance with its obligations under the FCRA. Simply stating that inquiries are a factual record of file access without providing documentation proving permissible purpose is insufficient and contrary to the requirements of the FCRA. 

I formally request the following : 1. Clear evidence showing that I authorized these inquiries ( e.g., signed agreements, written instructions, or records of transactions initiated by me ).

2. Immediate removal of any inquiries that can not be substantiated with such evidence.

Equifaxs failure to comply with the FCRA by verifying the legitimacy of these inquiries undermines the accuracy and fairness of its reporting. Continued failure to address these violations will leave me with no choice but to escalate this matter through additional legal and regulatory channels. 

I urge Equifax to take this matter seriously and respond with a satisfactory resolution that complies with federal law. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX
Product: Debt collection

This collection agency has reported three different medical bills that the provider XXXX did not submit to insurance and they should have, I have called them, sent in a letter ( which is in the attached ) with no response.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account was late on XX/XX/year>, if you can not provide me with this information in 15 days update the account to PAID/NEVER Late and send me a copy of my updated credit report.
Product: Credit reporting or other personal consumer reports

On numerous occasions I contacted Experion Credit Monitoring premium service program using their app and going directly to the website. I was placed on hold being transferred back and forth between membership departments. When they refused to offer me an option to cancel after two weeks and hours spent only to have each and every person tell me I did not have an account ( I was looking live at my account ) the only option I had was to downgrade to a free version.
Product: Credit card

On XX/XX/XXXX I was alerted to a fraudulent charge on my credit card by Capital One, the issuer. There are three fraudulent charges and I have been given seven different answers as to when I will receive a credit back on these charges. So as of now I just have over {$1100.00} of known fraudulent charges on my credit card balance. In addition to that my available credit has been reduced by an additional {$1100.00} that no one can explain to me where that money is coming from. So I have no indication if there are other fraudulent charges pending. I have spoken to reps and managers from Capital One on XX/XX/XXXX, XXXX and XX/XX/XXXX with ZERO resolution.
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX  XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Student loan

I have federal student loans with Edfinancial, and since the Federal Pause was lifted, my monthly payment increased by {$60.00}. When I called in XX/XX/XXXXXXXX  to ask why my payments had increased, the customer service agent told me I was enrolled in an Income Contingent Repayment Plan. I have NEVER signed up for an Incoment Contingent Repayment Plan. I have been on a Standard Repayment Plan since I graduated in XXXX, and it is of NO financial benefit to me to be in any other plan. The customer service rep. even confirmed that it is not beneficial to be on an Income Contingent plan. I asked if she could correct this issue, and she told me that it would take approximately 2 pay cycle to correct because they are behind. She even confirmed this is an error. It has now been two full pay cycles and the error has not been corrected. I have tried numerous times to contact Edfinancial via Email, and by phone for a status update but I can not get through. The emails have not received a reply and customers can not get past the automated phone tree. The phone line asks for your social security number, and then date of birth, and then the menu repeats and asks you to re-enter both SSN and DOB. 


I have escalated this to my Congressional Representative and they shared I am not the only person in their district with this issue, and they shared this is widespread. How is this business allowed to operate with these massive errors?
Product: Debt collection

I was twice the garnishment order put on to the same employer at XXXX ; with these two incidents, I vacated the judgment. I have lost tremendous money and effort to fix this issue ; the judgment group, XXXX MD, have used the social channel to make things not accurate they failed twice ; on top of that, they are still misleading my employer after the judgment vacated, they do not follow the rules, fail information to collect a small debt, with enforcement, small to them but significant to me I have XXXX kids and survive on this challenging time. I would like this not to happen again and collect some of my losses as penalties. And stop identity thieves and the way they process ; I guess there is no rule they follow after two mounts of trying ; they just send my money back as they took from garnishment, right now that money is a little bit for me, I borrow money to pay my mortgage until I vacated the judgment.
Product: Debt collection

I am a reference on an auto loan and I am called XXXX 3 times a day. Also they leave messages that are very personal. If this was my loan I would not want them to tell people what they tell me. I am feeling really harrassed by this company and they need to stop. Thanks for the help.
Product: Credit card

My elderly mother and I were victims of fraud in Excess of XXXX starting in XXXXXXXX XXXX XXXX The XXXX suspects were at our home assisting us, as we are both XXXX. They were at my home 7 days a week, pretending to assist us but it wasnt until XXXX I realized they opened numerous accounts with our information and stole cards from our wallets. The citi double cash card was one card she opened with my knowledge to help us get more available credit she said, so we could furnish our newly done basement. No one was authorized to use my card and no one was supposed to be added as an authorized user. She got the mail from the mailbox everyday and handed me a citi double cash card I think I used 3 times, and I told Citi what transactions where mine. The suspect used the card ( XXXX ) at numerous places and even paid herself and her company with cash advances after she added the card to my XXXX. The detectives and attorney general said this is called account takeover. Both suspects have prior charges for similar activity. Their boss gets them out of jail. He is also being looked at as a suspect. I have told Citi to check cameras, check ip addresses, do whatever they have to but my mother and I did NOT use the card with the exception of the few transactions I informed them about. Our excellent credit rating is ruined and our health has deteriorated because of this traumatic experience and Citi not wanting to investigate this further and not believing us has made it XXXX xs worse. Especially for my mother. The fact that Citi has decided to rule in favor of XXXX known con-artist is extremely disheartening, especially given their records compared to my mothers and mine. The suspect was in control of all the accounts because we naively believed she was looking out for our best interest. Yes I was a fool for trusting so much and I will live with that the rest of my life. But not being believed has made it XXXX Xs worse when I dont know what else to do. The other credit card companies did their investigations and acknowledged the fraud. I dont know why Citi hasnt. Thank you.
Product: Debt collection

In XXXX as a brand new XXXX, I was approved for the military Star Card from the Army & Air Force Exchange Service ( AAFES ). I used the card for 19 years with excellent payment history ( I owed {$5500.00} ), until I became incarcerated at the end of XXXX. My final bank-auto-payment stopped not long after, because my wages were stopped and I couldn't reach all my creditors except the ones that reached out to me in prison. I never got any CORRESPONDENCE from AAFES from XX/XX/XXXX to my release, XX/XX/XXXX. In XX/XX/XXXX I found out from the IRS that my 1st and 2nd stimulus checks were garnished by AAFES, I called AAFES and was referred to XXXX XXXX XXXX, who told me the US Treasury gave them {$1700.00} of the {$1800.00} ( minus admin fees ) on XXXX XX/XX/XXXX. I never got any CORRESPONDENCE from the Treasury Dept either. The XXXX representative also stated that I now owed {$15000.00} with 15 % interest accrual per each {$1000.00}, per month, but if I requested for hardship consideration, they will send me a Statement of Financial Status. I later asked why wasn't the debt forgiven after seven years and it's no longer on my credit reports, and the lady said that AAFES do not forgive debts and it will be back in my credit reports soon, in collections. I received their first letter with the Statement of Financial Status, late XXXX, dated XX/XX/XXXX. I decided to consult a Pro-Bono attorney from the XXXX XXXX XXXX XXXX and later worked with a XXXX XXXX volunteer who researched the issue and found, 1. Its unlawful not to inform or attempt to collect from the debtor before putting a lien on his or her SSN. - I was at a XXXX XXXX XXXX  for six years before transferring to a Federal establishment, I was reachable. 2. The US Treasury Dept must inform the debtor of their action upon garnishment. - I sent an IRS Change of Address forms upon release to the XXXX  XXXX  that the federal prison released me to. In both instances, I was reachable, and I was in the hands of the US government. 

I first requested my {$1200.00} stimulus, XXXX XX/XX/XXXX via XXXX, as instructed by the IRS, and I sent it via Certified Mail. I waited and waited, until the IRS re-instructed that this time it must me claimed as a XXXX tax refund which I did again but at this time, the second stimulus was added to make it {$1800.00}. 

I also asked XXXX for a complete debt profile from the beginning of this debt to now, but they say that process will take 30 days, I haven't gotten that yet. 

The reason I couldn't work any financials with them is because I'm currently XXXX with XXXX XXXX since my release, so I have no income. I tried my hand at temp-work for 2-1/2 months, but that only aggravated my condition, so I'm currently XXXX  and living at a XXXX XXXX XXXX XXXX XXXX  while receiving treatment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not show me my credit report. 

Sagestream will not show me my credit report.
Product: Credit reporting

these items did not belong to me I pulled my report and saw them and addressed them with the credit bureau to no avail.
Product: Money transfer, virtual currency, or money service

I, XXXX  report to Consumer Financial Protection Bureau in compliance with the Electronic Funds Act of 1978 ( Regulation E ) that I was induced and scammed by a third party to transfer funds out of my account XXXX XXXX in Wells Fargo XXXX 
On XX/XX/XXXX I received a call from a number exactly alike from that of my bank and was asked and induced to transfer funds alleging that in order to get money back that was subtracted from my account I was to make several transfers of funds through XXXX. The third party knew my bank information, my card security code and called from a number exactly from that of the bank. 

I detail the XXXX transfers bellow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I request the CFBP to make an investigation as my funds where transferred/subtracted with a scam mechanism and also request a refund of my funds since as a consumer I should be protected against this type of criminal activity. 
WELLS FARGO and XXXX have not favorably responded to my request of a full refund of my money but they should have a detailed summary as to what fraudulent account my money was actually transferred to and should be able to trace it.
Product: Debt collection

I cancelled XXXX service but I paid a final bill of XXXX XXXX sent me another bill for {$100.00}. I put that bill into dispute with XXXX who later ruled in my favor. Since that time, XXXX collection agencies have tried to coerce me into paying. This last agency has tried to intimidate me by saying theywillnot contact me again but they are implying further action.
Product: Credit card or prepaid card

I was doing a counter transaction at my bank when a sales rep approached and solicited me for a new credit card with a 5 % cash back for gasoline. I decided to consider the offer, but before all of my questions were answered about the card, such as if the deal was promotional ( which it was ), the account was opened without any written disclosures or my signature, all occurring in about 5 minutes. I was not told this was a promotion and the rep said she could not stop the opening of the account, but I could accept the card, use it once and then close it. Clearly, this rep would only be compensated if I used the card, which I will not do. I was able to speak to a telephone rep who told me she could not close the account because " the card number is not fully built yet. " I would need to call back next week. 

It is next week and my efforts to close the account were unsuccessful due to wait times for a rep on the phone and on their chat platform of over an hour. The account remains open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple written request and several request with cfpb and nothing is being done by XXXX  XXXX or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that CFPB steps in and ensure that the credit bureaus does what's is right under the law. This Bankruptcy does not belong to me please delete
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm holding the credit reporting agencies accountable for the emotional distress that I've been put thru dealing with this same issue. I've demanded physical documentation/ vertification via this account inwhich you constantly reporting but never once provided any sort of documentation inspite of my many attempts to do so. You nor your companies have abided by the consumer laws of the FCRA. Either provide me with physical certified documentation of the account known as XXXX XXXX, or remove / block immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> Subject : DEMAND FOR IMMEDIATE REMOVAL OF CHARGE-OFF ACCOUNTS UNDER FCRA & METRO 2 COMPLIANCE I am writing this letter as a formal demand for the immediate removal of the erroneous and unverifiable charge-off accounts currently being reported on my credit file. As per 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to maintain only 100 % accurate, verifiable, and substantiated information on my credit report.

Furthermore, Metro 2 compliance guidelines set by the Consumer Data Industry Association ( CDIA ) require that all credit data be reported with complete accuracy and in accordance with furnisher responsibilities under Regulation V ( 12 CFR Part 1022 ). 

The following charge-off accounts are being reported unlawfully and must be deleted immediately : XXXX. XXXX  Charged off as bad debt / Profit and loss write-off ( TransUnion, Experian, Equifax ) XXXX. XXXX Charged off account / Unpaid balance reported as a loss ( TransUnion, Experian, Equifax ) XXXX. XXXX Charged off as bad debt ( TransUnion, Experian, Equifax ) XXXX. XXXX Charged off account / Unpaid balance reported as a loss ( TransUnion, Experian, Equifax ) XXXX. XXXX Collection/Chargeoff / Consumer disputes this account information ( Equifax ) XXXX. XXXX XXXX Charged off as bad debt ( TransUnion, Experian, Equifax ) XXXX. XXXX Charged off as bad debt / Profit and loss write-off ( TransUnion, Experian, Equifax ) XXXX. XXXX XXXX Charged off account / Dispute resolved, consumer disagrees ( TransUnion, Experian, Equifax ) Sincerely, XXXX XXXX XXXX XXXX.
Product: Mortgage

Mutual of Omaha Mortgage Inc pulled my credit without a proper application or authorization. 

Date : XX/XX/2023 XXXX XXXX Source : XXXX Model : XXXX XXXX ( XXXX ) 'Your Credit Score and the Price You Pay for Credit ' letter received XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year, XXXX XXXX accepted and deposited my XXXX mortgage payment on XX/XX/2023 ( XX/XX/23 ). They then reported that payment ( which was already withdrawn from my account by them ) as late because the escrow amount had gone up by {$67.00} between my XXXX statement and my XXXX statement. 

When I discovered the discrepancy, I immediately paid the remaining {$67.00}. That was on XX/XX/XXXX, only 28 days after my XXXX mortgage payment was due. 

XXXX XXXX has marked my payment history with a " 30 days overdue '' remark, which is incorrect, because XXXX only has 28 days. However, they insist on reporting my payment as late because they follow a policy of payments being late because of the month, not the actual number of days ( XX/XX/2023/XX/XX/2023 ). 

My payment was not 30 days overdue and my credit report has an error on it due to how XXXX XXXX chooses to report. 

I can provide documents from my bank and from XXXX XXXX which show my timely payments. The property in question is : XXXX XXXX XXXX, XXXX, PA XXXX. 

I would like the late payment notification on my credit report to be removed immediately, as this is a dishonest and inaccurate portrayal of my payment history with XXXX XXXX and is adversely affecting my credit score. 

Please call me or email ( information below ) if you need any additional information to update and correct my credit history. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received threatening communication from a company calling themselves XXXX XXXX, phone number and address provided below : XXXX XXXX XXXX XXXX, XXXX, GA XXXX   Phone : XXXX | Fax : XXXX Web : XXXX XXXX XXXX This was in regards to a debt they claim that I owe to XXXX. This is the same debt that was settled in a previous case with a debt collector in Ohio, Unifund CCR, LLC, in a case dismissed WITH prejudice. XXXX XXXX  and specifically their representative XXXX XXXX ( XXXX ) insist that I owe this debt.
Product: Credit reporting or other personal consumer reports

Chase bank account reference number- XXXX On the night of XX/XX/year> applied for a chase bank freedom flex credit card using my information. I was made alert by a XXXX XXXX email as well as an email from chase bank. I called chase to report the fraudulent account application and they told me they already suspected fraud yet when I called today to get the reference number I found out that the account was still open and I had to request twice for them to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.