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

I am writing to bring to your attention unauthorized hard inquiries that appear on my credit report. After reviewing my XXXX credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 After reviewing my XXXX  credit file, I have identified the following unauthorized inquiries : XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX Capital XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXXnquiry Details : Creditor : XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX Main po box XXXX XXXX, IN XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023, After reviewing my Transunion credit file, I have identified the following unauthorized inquiries : 1. Inquiry Details : Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX Date of Inquiry : XX/XX/2023 XXXX. XXXX XXXX : Creditor : XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023, XX/XX/2023 XXXX. Inquiry Details : Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 XXXX. Inquiry Details Creditor : XXXX XXXX XXXX Date of Inquiry : XX/XX/2023 I would like to clarify that I did not provide authorization for these inquiries and have no affiliations or business relationships with the respective creditors. As per the Fair Credit Reporting Act ( FCRA ), unauthorized hard inquiries negatively impact my credit score, and I am requesting their immediate removal.
Product: Checking or savings account

Bank of america, This is a continue with complaints XXXX : On XXXX. XXXX, I went to a branch of bank of america to check if the fraud claim has any update. They said they already send the money back to my account, but the account is still blocked, they ask me to opened a new account and transfered all the money from the previous account to the new one. With the help of a banker there, I opened a new account and transfered all the money from the previous account. Because the last fraud may be related to my phone number, so I changed to a new phone number, and the new account was profiled with the new phone number, and also new email. The banker also asked me what is my primery contact method. I said email, the new updated email. 
On XXXX, XXXX, XXXX, I received a email with the old email, said my alternate contact phone number has changed to the old one. Then, aonther email said XXXX is ready to use with the old phone number and my new account. Then I tried to reset the password and that moment and logged into the account to delete the reciptant, but the transection still happend. {$3000.00}, again. 
Then I called the bank and they said they can not identify me, I have to go to their branch. 
I can not believe that this happend twice in two weeks. I need the money back, and I need to know how did this happend. Also I need to know if there is any way to block XXXX  transaction. It is very unsafe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ok I paid off accounts that were on credit report and have disputed these items several times bc they never came off the reports no did they update at all. Equifax has a lady I spoke with about this a few times she is very smart mouth and arrogant and says shes not required to tell me her name. She has put remarks on the credit report causing my score to go way down 4-5 times now. Every time I dispute my XXXX XXXX   account she does this. Totally illegal and fraudulent! Im very mad to say the least!!!!!
Product: Debt collection

I recently was denied credit due to a utility lien and medical bill. The utility lien was {$140.00} and the medical bill was for {$1100.00}. Union Credit Corporation is negatively reporting utility liens and medical collections that do not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I have been a resident of XXXX Tn since 2008. I was a victim of identity theft and I do n't owe these debts and I would like these items removed from my report immediately.
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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX account # XXXX has violated my rights XXXX5 USC 1681 section 602 A, States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish my written instructions 15 USC 1681 ( a ) ( I ) 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: Debt collection

This company salesman that came out pressured me into purchasing this water treatment system that do not work properly and my water usage with the water company is enormous. What the salesman did not say was that to get someone out to do the maintenance would cost an additional XXXX XXXXXXXX, in addition to the monthly fee nor that the water bill would increase enormously, I have been paying till I have begun to see increased water bill that I cant afford and called to get maintenance out to look at the water system and was informed of the maintenance fee upfront. 
I understand there is a lawsuit that was settled in XXXX for the same issues Im having.
Product: Student loan

On XX/XX/2023 documenting was sent over updating the tax ID Number. Borrower requested to speak with a supervisor after a XXXX XXXX minute wait time and was placed back in que. 

Borrower made several attempts to contact Mohela in efforts to resolve discrepancies on the amount of payments that have not been counted towards the XXXX payments Account shows that the borrower is eligible for a total of XXXX payments however account has not moved passed XXXX even with the documentation submitted,
Product: Credit reporting or other personal consumer reports

I have been trying to access my myEquifax account since the Social Security number breach in order to place a Freeze. I was able to do this XXXX and XXXX fairly easily the latter offering a call back option when login problems arouse. Equifax on the other hand has been nearly impossible to deal with. After Days and Hours on hold with terrible music I still have no resolution, I've gotten to a person twice, other times just abruptly disconnected after following lengthy menus. The last call was yesterday with XXXX she promised all was well. It is not I still recieve an error message that my login is invalid and to please call. I'm at my wits end Please Help or at least ask them to update their phone system. See Attachments :
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries have been detected on my credit report
Product: Debt collection

Under FCRA 611 ( 1 ) ( A ) these companies have failed to respond to my debt validation dispute within 30 days. In addition, Consumer Portfolio Services continue to post on all 3 of my credit reports inaccurate information. Consumer Portfolio Services no longer own this debt however, continue to negatively post derogatory unsubstantiated debt without adhering to the North Carolina Law, Section 1-52.1 of the North Carolina Rules of Civil Procedure that explains the statute of limitations for debts is 3 years for auto and installment loans, promissory notes, and credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with Sequium I ask them for proof of debt but they said they dont have it since the bill is owned by XXXX XXXX XXXX. They wont pay for deletion even when they have an old address of mine in XXXX XXXX. I never had communication with them. This is unfair that am trying to make this right and they refuse to help me. My account number is # XXXX XXXX XXXX XXXX account # XXXX.
Product: Checking or savings account

On XX/XX/2023 my card was used to make a purchase at XXXX in the amount of {$80.00}. I did not make this purchase and my actual card was still in my possession. I didnt realize my account had this charge until after my shopping trip to Woodmans on XX/XX/XXXX. I called Chase and was advised the fraud department was already closed for the day and the rep told me to call back during normal business hours. He also told me to lock my card so no other purchases go through. I locked my card and called back the next day to report the suspicious charge. I had them cancel that card and send me a new one in the mail. After their investigation they came to the conclusion that I authorized the purchase because my card was used and my card has a chip in it ( Apparently criminals/hackers/scammers do not exist in the Chase Bank world and they cant make fake cards ). I phoned Chase on XX/XX/XXXX and spoke to XXXX. XXXX XXXX, he was unable to access the info regarding their investigation so I asked to speak with a supervisor. I was then transferred to XXXX who just reiterated to me that it was denied due to the fact my card was physically used at the store. She said my card was never reported lost or stolen ( because it wasnt and XXXX not a liar ). She also said there was another transaction after the fraudulent one in which I told her I did make the purchase at XXXX and didnt realize anything was wrong until I checked my account balance after the XXXX purchase. She told me she would have the case reinvestigated and to call back in XXXX business days. I called back XX/XX/XXXX and spoke with XXXX. XXXX XXXX, the case was never reinvestigated as they didnt have any new information to reopen the case. Chase Bank made me feel like the criminal. The one who lied. The one who stole. When I did nothing wrong. It is very disheartening to receive such poor customer service when you are already going through a frustrating situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XXXX i paid the card off early and to a XXXX balance. I was charged a late fee but i paid it anyway because I didnt care about the fee even though it was paid early. Mow its showing a XXXX day late on my report which is hindering me from getting a mortage. I have obtained legal counsel to fight this violation of my fair credit reporting act, slander, and debt collection practice violation
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX {$500.00} Opened XX/XX/XXXX Original Creditor XXXX XXXX XXXX  Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity thief began due to a stolen wallet which now have started to see fraudulent accounts active, open, debt collection on credit report I have submitted information and request to correct and also called company to report due to lack of information/ fraudulently reporting it is now showing up on credit and reporting agency fail to correct information as requested
Product: Consumer Loan

I co-signed for a auto loan for my daughter XXXX with suntrust bank. Then approximately 2 years went by and I was trying to get a mortgage to buy a home through another bank, and when they checked my credit I had a bad score because of a late payment filed by sun trust bank. Sun trust bank did not contact me to order me to make the payment. If so I would have promptly paid them. They put out a damaging report however as if they had.
Product: Checking or savings account

On XX/XX/19, a transaction for {$1000.00} was made to XXXX XXXX Firm. On XX/XX/19, the services were terminated since no services were provided and a refund was requested. On XX/XX/19, a debit card claim # XXXX was initiated with BBVA stating no service or merchandise had been provided by XXXX. On XX/XX/19, I provided BBVA with the supporting documentation requested at XXXX, XXXX and XXXX. The investigator called me back and said she was have her manager approve the dispute that afternoon. She apologized saying they didn't realize I was a BBVA employee. I would see the credit post to  my account that night. On XX/XX/19, I followed up about the status with no reply or credit in my account. On XX/XX/19, I received a letter saying the claim was denied but I had a right to request copies of the documents which BBVA relied on in making their determination. On XX/XX/19, I requested the documents. I provided my email and mailing address for the documents. On XX/XX/19, I followed up on the status of the requested documents. To date, I have not received the documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 and XX/XX/2021 my credit got ran for a XXXX credit card ( XXXX card ) and on XX/XX/2021 my credit got rand for a capital one card ( CAP ONE NA ). All inquiries were not me. I used to live with my boyfriend and we ended on bad terms and i believe he took a picture of my social security card. Ive contacted the police and the case number is : XXXX XXXX. Ive also called the credit bureau and the confirmation number is XXXX. My ex boyfriends name is XXXX XXXX and his date of birth is XXXX XXXX. Address is XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened the account in XX/XX/XXXX and signed up for auto-payments. They indicated that it would take 30 to 60 days for the auto payments to commence. There was no payment due in XX/XX/XXXX. I made a payment online in XX/XX/XXXX. The XX/XX/XXXX bill indicated I was now signed up for auto payments and that a payment would be taken from my checking account on XX/XX/XXXX. When I received my statement it indicated that the auto-payment had indeed been made on XX/XX/XXXX. On XX/XX/XXXX XXXX called me to inform me that the payment had not been made as previously told. I was astonished as I knew there was ample money in the account to make several payments. The customer agent looked into my account and found there was a transposition in the account number for the checking account from which the payment was to be made. To ensure they had the correct number the agent made the XXXX payment while I was on the phone, and it went through. When I received my next statement I found that they had not only charged me {$25.00} for a returned check, but they also reported to the credit reporting agencies the payment was made 30 to 59 days late. The payment was due on XX/XX/XXXX, by the time they noticed that they had messed up the account number, contacted me, and obtained a payment was only 6 days. I do not know what party was responsible for the transposition, but I know they had 2 months to verify the account numbers. And they also could have called me when the payment did not go through, rather than waiting an additional week. 
The following month no payment was made from my account so I called them and they informed me that auto payment had been cancelled, without any notification. I told them that I wanted it to continue for which they apologized and re-instated the auto-payments and made a payment again while I was on the phone. XXXX then subsequent to my phone call, mailed me letters saying that my auto-payments had been cancelled, then another stated they had been reinstated. Both on the same date. No late payment fee or late payment report was made for this payment, even though I believe it was past due. They just took responsibility for the error, as they should have done the first time. 
I made complaints on two separate occasions to XXXX regarding this matter. I received XXXX unsigned form letters in response, all identical, indicating they they were correct to report the payment late. I do not believe this to be the case. It was XXXX 's fault that payments were made late on both occasions. I made honest efforts to make the payments and even had to follow up on them. I had the money in my account for payments to be made. This was a simple mistake, likley on their behalf, and should have no bearing on my credit score. 
The bill XXXX-XXXX attached to this report show that the payment had been made. The XXXX XXXX bill shows the payment unmade, the remade, as well as the {$25.00} returned check fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disgusted this is my second attempt. I'm being accused of not being me?? Like I stated in my first complaint. I disputed all the way back on the XXXX of XX/XX/2020 and have yet to receive any indication of my disputes being investigated. I feel like I'm being toyed with even more now that I'm being accused of not being myself I also feel like I'm being ignored of my disputes. It's been over 45 days at this point and still NOTHING. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. Like I stated before I was also impacted by the XXXX  data breach. Please resolve this in a timely matter. I will be attaching my dispute again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft stemming from a data breach, I invoke my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). These laws mandate the immediate removal of fraudulent information from consumer credit reports. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3400.00} Fraudulent Inquiries XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX ( XXXX instances ) XXXX. XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX ( XXXX instances ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX ( XXXX instances ), XX/XX/XXXX ( XXXX instances ) XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting 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. 


I told XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX Account : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting, credit repair services, or other personal consumer reports

I have carefully reviewed my credit report in Equifax. I have been turned down for a credit due to misreporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than XXXX days of such negative activity reporting against me. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax 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 XXXX 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 Equifax 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 items from my file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The accounts below should be corrected : XXXX XXXX xxxxxxxxxxxxxxxx XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX