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

Despite my repeated disputes, Equifax has failed to properly investigate my account. On multiple occasions, Equifax has removed some of the disputed late payment entries, only to reinsert them later without providing any explanation or evidence of a thorough investigation. This practice demonstrates a clear failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates that credit reporting agencies conduct reasonable and complete investigations of disputes.

Equifaxs handling of these disputes has caused significant distress and negatively impacted my creditworthiness. The lack of proper investigation raises concerns similar to those noted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ), which highlighted broader issues with Equifaxs compliance practices. This pattern of noncompliance further underscores the importance of addressing my complaint.

I have submitted multiple disputes directly to Equifax, but they have failed to take corrective action. I am asking that the CFPB oversee this issue to ensure proper handling and resolution. I also request that Equifax provide detailed documentation of their investigative process and an explanation for why the late payments were reinserted after being removed. 

Below is a list of the disputed dates, organized in chronological order : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please let me know if you require any additional information or documentation from my side to facilitate this dispute. I trust in your commitment to ensuring fairness and accuracy in credit reporting. 

Thank you for your prompt attention to this matter. I look forward to hearing back from you with confirmation that these inaccuracies have been resolved.
Product: Checking or savings account

My Chase bank account was closed on XX/XX/2023. I did not receive a refund for my remaining money. It has already been almost 10 months. I want to get my refund. Besides, my mailing address has changed. Since my account was closed, I can not change my address online. If you send me the check, please allow me to submit a new address.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XX/XX/XXXX TD AUTO FINANCE XXXX XXXX XXXX XXXX, MI XXXX NOTICE OF DISPUTE AND REQUEST FOR LATE PAYMENT REMOVAL Dear TD AUTO FINANCE, I trust this letter finds you well. I am writing to formally dispute the presence of late payments reported by your organization on my credit report. I believe these late payments to be inaccurate and unjust, and I kindly request their removal in accordance with applicable laws and regulations. 

The late payments in question are associated with the following account : Account Information : TD AUTO FINANCE Account Number : XXXX. 
Date ( s ) of Late Payment ( s ) : XX/XX/XXXX I wish to emphasize my commitment to fair and accurate credit reporting. These late payments have had a significant impact on my creditworthiness and have caused me undue financial hardship and emotional distress. 

It is my understanding that your organization has a responsibility to report accurate information to the Credit Reporting Agencies Given my belief that these late payments are not reflective of my payment history, I hereby request their removal from my credit report. This request is made in accordance with the Fair Credit Reporting Act ( FCRA ) and related regulations. 

I also want to bring to your attention an important matter regarding our original agreement. The arbitration clause within our agreement outlines a mechanism for dispute resolution that we both agreed upon. It is my sincere hope that we can resolve this matter amicably and avoid the necessity for arbitration, which could result in substantial costs and fees for both parties. 

Therefore, XXXX purpose the following options for resolution : Option XXXX : Delete Late Payment I kindly request that your organization promptly remove the late payments from my credit report, therefore rectifying the inaccuracies and ensuring my credit history is accurately represented. 

Option XXXX : Initiate Arbitration Should your organization prefer NOT to remove the late payments, I am prepared to Initiate Arbitration Proceedings as allowed by our agreement. This process may entail substantial costs and fees, including MY filing fee, YOUR filing fee, Arbitration Initiation Fee, an Arbitrator Deposit, and any legal cost incurred during the Arbitration process.

I firmly believe that an amicable resolution is in the best interests of both parties. However, I am fully prepared to pursue Arbitration should that be necessary to uphold my rights and ensure Fair Credit Reporting. 

Please respond to this notice within 30 DAYS to confirm your willingness to remove the late payments or to express your intent to proceed with Arbitration. Your prompt response is appreciated and will help facilitate a timely resolution to this matter. 

Thank you for your attention to this issue. I look forward to your response and the possibility of resolving this matter in a manner that ensures Fair and Accurate Credit Reporting. 

Sincerely, BY : XXXX XXXX, XXXX XXXX For : XXXXXXXX XXXX XXXXXXXX XXXX WITHOUT RECOURSE
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
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

XX/XX/2022 In Accordance with Fair Credit Reporting act Convergent Account : Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX has Violated these laws : 15 U.S.C 1681 Section 602 ( A ). States I have the right to privacy.

15 U.S.C 1692 ( C ) ( A ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt, 15 U.S.C 1692 ( B ) ( 5 ), not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 U.S.C 1681 Section 506 ( A ). Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681a., report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Please note by law that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) .Be advised that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provided within ( 5 ) days of the completion of your investigation and I'm keeping a careful record of your actions, including your Method of verification. I do not consent to E-Oscar or any means of automated verification. If you can not verify within the 30 day time period, you must delete all accounts from my report.

-Please remove all accounts that are not METRO TO COMPLIANCE.

-Please add a professional Suppression to my credit file.

Failure to respond satifactorly within ( 30 ) days of receipt of this letter may result in small claims action against your company.

seeking {$5000.00} per violation for : 1. ) Defamination 2. ) Negligent Enablement of idenity fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury
Product: Money transfer, virtual currency, or money service

Contacted by a scammer to deposit a cashiers check in my account and part of the funds needed to be transferred back to them. On XX/XX/27, check was deposited into my Bank of America account. And money being sent through XXXX and going out of my account until I found out yesterday ( XXXX ). The check got on hold with the bank. There were XXXX different XXXX transfer transactions from my account. The funds are now out of my account but the money was already sent. Also, I didnt do all this, someone else did. The bank refuses to give me a refund for this, even though similar issues have occurred and banks such as XXXX XXXX have given courtesy refunds to their clients who used the same service, XXXX.
Product: Credit reporting or other personal consumer reports

Please see supporting information for XXXX data breach!! According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. XXXX XXXX Accounts : Account : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Ascension Point Recovery ( APR ) is a group of individuals who seemingly browse through obituaries and attempt to contact the next of kin for the recently deceased. My Mother passed away weeks ago and we received a phone call from Ascension Point Recovery business attempting to get MY MOM 'S personal information by calling and asking questions about her. We received a phone call from XXXX XXXX XXXX XXXX who was looking for the person in charge of executing my Mom 's will. I called my family to ask about the situation and quickly realized it was a fraudulent call and the person was out for personal information. When we called APR back, we were greeted by a very generic and low quality answering service, and eventually, a woman answered the phone. She informed us that XXXX XXXX was not available but ANY of the associates could help because " they ALL were aware of what was going on ''. After a few questions, the woman ACTUALLY STARTED ASKING US QUESTIONS ABOUT MY MOM 'S DEATH. They asked when it happened and how and who was executing the will. Obviously we didn't disclose any of this information, but ultimately she asked if we were aware that there was a possible debt remaining that had to be paid. These people are targeting elderly men and women and attempting to convince them to give the company money to " resolve past debts ''. There are countless stories on XXXX that suggest this company has been terrorizing people for years. On their official website, Ascension Point Recovery only provides one option under the " CONTACT '' tab and that is a " RESOLVE A COMPLAINT '' form. That in itself lends to the illegitimate nature of the company. Not only is this one of the sickest and saddest forms of underhanded exploitation, but it is compounded by the fact that the people being contacted have just lost a loved one.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I have requested online from all three credit reporting agencies ( XXXX, TransUnion, and XXXX ) to update my name and current address on my credit profile due to other addresses are not deliverable to me by the U.S. Post office, and they are not reportable as per the Fair Credit Reporting Act. After receiving my updated credit reports, nothing has changed. 

XX/XX/XXXX, I sent certified letters to each credit reporting agencies ( XXXX, TransUnion, and XXXX ) along with my Driver 's License, SSN, and a current bill with my current address to indicate the correct address. Again, receiving another update, my credit reports had no changes. 

XX/XX/XXXX, I repeated my steps to each credit reporting agencies ( XXXX, TransUnion, and XXXX ) along with a copy of my DL, SSN, and current bill that reflects my new address. Again, upon receiving my updated credit report, my old addresses are still appearing on my credit reports. 

XXXX, XXXX, 2024, I spoke to a rep from each CRA XXXX, stated they could not update via phone. Despite the fact, I sent them what they requested.
Product: Checking or savings account

On XX/XX/XXXX. someone stolen my new chase debit card. 
And on XXXX person required chase bank sent a new pin code to him and chase did it. 
On XX/XX/XXXX. the person used my new debit card withdrawn XXXX dollars. At the same time I received a message from the chase bank asked me if it was me withdraw the money.I replied no immediately. Then chase told me they would close my card and send me a new card. I dont need to worry or do anything. But my money still taken away. 
So I called the police and had a police report number and filed a claim but my claims were denied time and time again. They said this guy used my pin code to withdraw money. However I called so many times to the bank, they also admitted that they sent a new pin code ( I have a recording ) but this new pin code was not me asking to send, it was the bank 's negligence, they didnt confirmed the id information and sent my debit code to the other person. But now they say it's my fault. 
Then on XX/XX/XXXX. Chase asked me provide police report with details. I took 2 months and I went to XXXX XXXX  XXXX police department ( XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ) to get this report on XX/XX/XXXX. and on the same day I faxed it to the bank, but the bank said he didn't receive it, and then I faxed it again.and they still said didn't receive it. I'm sure all the information is correct, but they just keep lying. 
From XX/XX/XXXX to XX/XX/XXXX, almost five months, I spent a lot of time, energy and money trying to solve this problem. I have no driver 's license and no car and I have a small XXXX. I went to the branch so many times and wanted to ask for their help, but no one was willing to help me. I called the claims department so many times, and everyone gave me different information. they didn't plan to help me solve the problem at all. I cried so many times. This money is very important to our family. I really dont know what to do.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>, followed up on XX/XX/year> and followed up on XX/XX/year>. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax XXXX XX/XX/year> Equifax Section 611 ( 15 U.S.C. 1681i ) requires an immediate investigation of disputed information. It has been more than 30 days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section 609 ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
Immediate Action Required I demand immediate action to resolve this dispute. Specifically, I request the following : 1. Thorough and Immediate Reinvestigation : Conduct a complete and urgent reinvestigation of the unauthorized inquiries.

2. Immediate Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay.

3. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately.

4. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. Include documentation supporting your actions.

If I do not receive a satisfactory resolution within the specified timeframe, I will escalate this issue to the Consumer Financial Protection Bureau ( CFPB ) and proceed with legal action to protect my rights as a consumer. I will not hesitate to seek compensation for any damages resulting from your failure to adequately resolve this matter.

I expect your immediate response and resolution to this issue.
Product: Money transfer, virtual currency, or money service

Paypal banned and limited my account for no reason, they claim that they suspected some suspicious activity, I provide my proofs but that couldn't help they further permanently limited. 
I have loss much since I have funds inside my account. Around XXXXXXXX XXXX  Iam sadly reaching you for help. 
My paypal email : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, a large national bank contacted a primary account holding on a checking account in XX/XX/2021 about a possible fraudulent check written on the account. The check was confirmed by the account holder to be fraudulent and an identity theft dispute was initiated, acknowledged, and accepted. Four months later the bank has not returned the money to the account. The checking account was tied to a reserve line of credit. The bank 's internal processes covered the overdrafts by drawing on the LOC. The bank then knowingly reported to all credit reporting agencies the balance of the LOC tied to a known and acknowledged identity theft matter for four consecutive months ( XXXXXXXX XXXX ). The account was a joint account with the senior-aged account holder and three adult children. The bank reported the account past due in XX/XX/2021, which severely negatively impacted all four joint account owners. 

The Fair Credit Reporting Act states : " Your creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ). '' Common violations of the FCRA by a creditor or other information furnisher include failing to : notify every CRA involved that you dispute the debt submit corrected information to the CRA subsequent to investigating your dispute refrain from continuing to submit information that it knows ( or should know ) is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a fraud issue on multiple occassions within a few days of each other. I contacted Transunion about the issue and we placed a freeze on account. That same day and next two I had two more things pop up as inquiries and still havent gone away. I contacted Transunion again and they told me to mail in my disputes, which I did. It has been over two weeks now and nothing from them. 

There are no charges as they were just hard inquiries, but the dates and names of companies are as followed : XX/XX/21 - XXXX XXXX XX/XX/21 - XXXXXXXX XXXX I called XXXX XXXX immediately and they told me they closed the application and would try to help to contact Transunion. 

XXXXXXXX XXXX  called me and closed the application immediately, and contacted the dealership they represented and got that closed as well. 

I stil have not heard from Transunion and these inquiries have hurt my credit score.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute inaccurate information in my credit report under my rights provided by the Fair Credit Reporting Act ( FCRA ). The errors present in my credit file have negatively impacted my creditworthiness and demonstrate both negligence and noncompliance with the FCRA.

Under 15 U.S. Code 1681o, credit reporting agencies are required to maintain and enforce reasonable procedures to ensure maximum accuracy of consumer reports. The failure to properly verify or correct the errors in my report constitutes negligence in your compliance with these obligations.

I am requesting the following actions : Conduct an immediate investigation and verify the accuracy of the disputed information.

Correct or remove the inaccurate items from my credit report. 

Notify any parties that have accessed my report within the last six months of these corrections.

Failure to comply with this request will result in further action to enforce my rights under the FCRA, including pursuing damages for negligence and noncompliance as outlined in 15 U.S. Code 1681o.

I look forward to your timely resolution of this matter. Please contact me at XXXX or XXXX if you require additional information. 

Sincerely, XXXX XXXX
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Address Thats On My Report Is Not Mines
Product: Checking or savings account

I was a victim of identity theft, when a fraudulent company deposit a check in my Bank of America account which was closed and trying to obtain a checking account at other bank and being denied saying Bank of America did XXXX $ charge off that I was unaware when closed account, please I have direct deposit that urgently needs a bank account to be deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Morning! Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.