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

Equifax re-added several inquiries to my credit report after previously deleting them following a completed investigation here on CFPB portal XXXX, which concluded that these inquiries were unauthorized and removed them as fraudulent. This re-addition violates consumer protection standards by re-reporting inquiries already determined to be invalid, without any new basis or consumer authorization. Equifax has not provided any satisfactory explanation or documentation justifying their re-reporting of these inquiries, even after multiple contacts and requests. 

Detailed Description : Unauthorized Re-Addition of Previously Deleted Inquiries : Equifax completed an initial investigation and deleted numerous unauthorized inquiries on my credit report ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. ), confirming these were fraudulent and without my consent. 
Despite this resolution, Equifax has now re-added these very same inquiries to my credit report without a clear basis or consumer consent, disregarding the initial investigation findings. 

Violation of Consumer Rights : Once Equifax concluded its initial investigation, these inquiries were removed as they lacked my authorization. Re-adding these inquiries without new evidence or my explicit permission violates the Fair Credit Reporting Act ( FCRA ), which requires fair, accurate, and complete credit reporting. 

This act of re-reporting these inquiries demonstrates negligence in upholding the validity and integrity of consumer data post-investigation, especially given that no new evidence or consumer action has prompted this change. 

Failure to Provide Documentation : I have sent Equifax numerous letters requesting proof of authorization for these inquiries, but they have failed to provide any such documentation. Instead of addressing my requests, they have merely reinstated the inquiries on my report, which is both unprofessional and non-compliant with consumer protection requirements. 
Equifaxs prior response through the CFPB portal claimed resolution, with these inquiries deleted. I am now raising this complaint again due to their reappearance, which undermines Equifaxs initial investigation conclusion. 
Supporting Documentation : I have attached copies of credit reports showing the inquiries ' initial deletion after the first investigation and the most recent report with the inquiries re-added. 
This documentation clearly shows Equifaxs unauthorized reversal of its own decision without any new evidence or grounds for re-reporting these inquiries.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My husband applied for a card with American Express. They could not approve instantly, which is fine. However, they started calling the house six times yesterday and four times so far today. ( XXXX and XXXX ) Each time I told them he is out of town until Monday and asked them to stop calling. They refuse, claiming their automated system wont let them stop the calls. It has escalated to the point of harassment, they know he is not here and when to reach him. They have woken my son eight out of those ten calls. Im at my wits end and they say they can do nothing.
Product: Credit card

Wells Fargo had a charge off. They wrote off the balance on their taxes and got tax credit for it. They should have sent me my 1099C for cancellation of debt, but of course they did not. I am requesting a copy of the 1099C for my income. On my credit report you are stating I have a balance after you received a tax credit for it. I am going to charge you for statutory damages and report you to the IRS as well. Your report states I have a balance and in collections and charged off. I can not have a charge off and also be XXXX plus days late.
Product: Credit card or prepaid card

statement showing g XXXX but doesn't show for what
Product: Money transfer, virtual currency, or money service

I input {$10000.00} to qualify for a crypto promotion but Tradestation refuses to honor it. I even contacted them before applying for the account to ensure I understood things correctly and was told I would get the bonus. Now, they're saying I will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX : {$14000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$390.00}
Product: Debt collection

On XX/XX/year> I sent a certified letter to midland credit after receiving daily repetitive harassing calls. I requested debt validation, original contract with original creditor, with my signature, my original balance without fees attached, proof of debt assignment, how they purchased the debt according to fair debt act. Chain of title they have to collect on this debt according to 15UDC 1692 G. I have not received any documents requested, only harassing repetitive calls to my home and work.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account XXXX XXXX XXXX # XXXX 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 an 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: Mortgage

I started a loan with with Ethos Lending ( XXXX XXXX, Ca ) on XX/XX/18 and had given them all of the information they requested and my credit scores were excellent that they used from a credit report done XXXX. Then two days before my signing date on XX/XX/XXXX, ( on XX/XX/XXXX ) they told me I would be charged a 1.099 % fee because my credit scores had dropped ( three credit agencies ) from XXXX to XXXX. I told them it was a mistake and when I called the credit agencies they told me it was because of a XXXX $ XXXX XXXXXXXX XXXX bill that was unpaid. So I called XXXX XXXXXXXX XXXX and found out it was not my primary bill, but a secondary bill from another property and they had sent it to the wrong address, not my current address they send my other bills. XXXX XXXXXXXX sent a letter out ( which they never do ) to all three credit agencies to negate this late report. Within 15 days my credit scores all rose 80 points to back over 740.  Well I signed the paperwork in the mean time and when I went back to Ethos they said they wouldn't rebate me the fees.. 
First I think when they first ran my report to see the excellent scores and approved my loan they shouldn't be able to change that and charge me {$4900.00} two days before I sign the paperwork, just to hit me up with another charge. 
And secondly when I show they the low ratings were wrong ( shown by the letter from XXXX saying to delete this report to all three credit agencies ) and then two weeks later all three scores rose to their normally high scores they should refund me the {$4900.00} charge because the ratings were false reports ... .. 
Ethos said they would explore this but just said well tough..
Product: Credit reporting or other personal consumer reports

I've sent the following message by mail to XXXX and Equifax over 40 days ago and still have not heard back or received an update. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Fraud Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau refuses to update my credit report.. my bank and student loan institution has reported numerous times that my account has not been late and the bureaus refuses to update information.. they just want to dispute the same account repeatedly.. I have credit monitoring for each credit bureau and even though the bureaus own credit monitoring department has the updated information the bureau still refuses to update results or help in any way.. I have credit monitoring results printed out but bureaus just reports the same information and say they dont have access to the monitoring section.. they send numerous alerts to me on updates to the report that I never get information on. Even though numerous changes have occurred after months of institutions sending information I have yet to see an updated report.. when I call they tell me what they see on the report refuse to update and I pay for another report week after week after week with no updates.. my bank had to send one report 6 times to get it updated and its still not correct.. even with dispute results corrected they refuse to update reports.. Ive been trying for 8 months with no help from the bureaus regardless of the info I have from their specific credit monitoring department.. I spend hours on the phone getting sent to different people or hung up on after sitting on the phone all that while.. I get told a different number to use every single time I call and still no results. Its like they want you to have bad credit.. Ive even had lawyers contact them with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX, And XXXX all participated in shady acts in regard to my consumer report. 

They all reported experiences and transactions which is not allowed. 

According to : the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. 

XXXX  XXXX, XXXX, and XXXX all XXXX a late payment as well as my usage. Well if late payments are a form of transactions, and usage is a form of experience these items should not be on my consumer report at all!! 

XXXX is reporting late payments ( APPLE/GS BANK ) as well as credit usage utilization which is a form of experience. 

15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates!!!

i never gave any of these companies written consent/permission to use my PRIVATE DATA to report any payments or utilization to benefit them in their business dealings. 
Let alone any details alone this late payment from XXXX. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

So my right to privacy has been completely violated!!

It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system.

Nothing about this late payment is fair or accurate according to the LAW and my privacy rights have been horribly violated, i am disheartened and i have been affected very negatively by this unfair reporting. 

XXXX, APPLE/GS BANK, XXXX, AND XXXX ALL VIOLATED MY RIGHTS BY ALLOWING REPORTING OF THIS LATE PAYMENT TO MY CONSUMER REPORT!!! 

i need this late payment removed within the next 15 days or further actions will be taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have serveral business lenders pulling my personal credit form Experian and XXXX  account for my Buiness guarantee. This has been impacting my personal credit. I didnt authorize personal credit to be pull. Im unable to receive new credit. Its indicating Im shopping around for personal XXXX and XXXX on also pulled for business in XXXX and XXXX. My lastest XXXX business pulled my personal on XX/XX/2020 without my consent tried calling the company to retract the inquiry they gave me the run around called serversal spoke to 7 different representatives. Im fully aware of the difference between personal and buiness. It has impacted my ability to secure funding the behalf of my business. My business has been effected due to covid 19 and my personal credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the following information that appears on my TRANSUNION report XX/XX/XXXX : XXXX XXXX XXXX Secured Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$870.00}. 

I dispute the missed payments and late payments on this account ( s ) ; in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have a right to privacy ( 15 USC 1681 section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Checking or savings account

Excessive overdraft fees. 
Making purchases with an available balance, then days later the purchase would be charged an overdraft fee.
Product: Student loan

I have previously submitted a complaint regarding AidVantage not submitting my refund request to the Department of Education for refund of payments made during the COVID-19 emergency. AidVantage responded that they submitted my request to the Department of Treasury and that payment would be received in 4-6 weeks after processing. That was in XX/XX/. To date, I have not received my refund payment. I have tried to follow up with AidVantage via email but have not received a response. My student loan balance increased due to the refund but I have not received that refund payment. I am unsure if the payment comes from AidVantage or the Department but am not receiving information to pursue through the correct channels.
Product: Credit reporting or other personal consumer reports

I have no connection to the listed creditors, and these inquiries do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I myself have never had anything to do with my credit score. I myself have not created my own debt. My mother XXXX XXXX XXXX used my social security number for different financial accounts and things and now my credit is bad and im in debt. The only thing im responsible for on my credit report is what I owe to the XXXXXXXX XXXX XXXX. Everything else was done by my mother without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE GUIDEPRINT XXXX XXXX XXXX Account Number XXXX Account Type Installment Loan Terms 072 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$12000.00} Balance Updated - Credit Limit - Past Due Amount {$880.00} High Balance {$55000.00} Monthly Payment {$880.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History This account was never delinquent as it was paid in full XX/XX/XXXX by the insurance company and GAP insurance due to a total loss.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND OUT THAT THERE WAS SOME NEGATIVE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND NONE OF THEM BELONG TO ME. BECAUSE OF THIS ISSUE MY CREDIT IS NOT IN A GOOD STATE AND IT IS CAUSING ME A GREAT DEED OF STRESS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Product: Consumer Loan

I received a notification from XXXX stating that my credit score dropped from XXXX to XXXX. When I further investigated the matter, I found out on my own that Nissan stopped withdrawing my auto pay unbeknownst to me. Apparently, I am two months behind without any notice from Nissan. I believe that they are in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

Two weeks ago I contacted Experian regarding a wrong address they are reporting on my credit report. I have been told to upload my DL and a utility bill and I had uploaded it at Experian/upload portal and they having update my information. 

I will attach my DL and a utility bill with this complaint. 


15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent AccountsXX/XX/XXXXXXXX XX/XX/XXXX # XXXX has violated my rights. 

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

Issue # 1 : I was having issues with making my payment on XX/XX/24. I called Ally to inform them that I was having issues making it online and I was able to make the payment about XXXX XXXX XXXX XXXXXX/XX/24. I assumed they made an update to not report me as late because of the online system having errors. I had never encountered this error before while paying online. 

Issue # 2 : I shared with Ally that I was going through a terminal situation to look for a settlement on the account to pay less than owed. They said they could waive {$100.00}. I asked if there was a supervisor or someone higher I could talk to. The agent placed me on hold and came back to inform me that the supervisor said they had nothing that could help me. I asked for their corporate number and the agent said he didn't have it and there is nothing anyone can do.
Product: Credit reporting

On XXXX/XXXX/2015 XXXX Bank requested and received my credit report from your company. To my knowledge, XXXX Bank has absolutely no permissible purpose ( as stated on the Experian website ) to request or receive my personal information. They offered me no credit, they do not employ me, they are not a potential investor, not a current creditor, nor do I have a mortgage with them or anyone else. I have absolutely no affiliation with XXXX Bank.
Product: Credit reporting or other personal consumer reports

This is my first 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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