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

Details of the Complaint : I am submitting this complaint regarding unauthorized credit inquiries on my credit reports with XXXX and Equifax. Despite previously submitting a valid FTC Identity Theft Report and a police report, both bureaus have failed to acknowledge receipt or take action to remove the fraudulent inquiries. Their inaction violates several federal laws designed to protect consumers from identity theft and ensure the accuracy of their credit reports. 

List of Unauthorized Inquiries ( XXXX and Equifax Only ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ( Equifax ) Violations by XXXX and Equifax : Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681c-2 : Credit reporting agencies are required to block information resulting from identity theft when provided with an FTC Identity Theft Report or police report. Both XXXX and Equifax have failed to do so despite receiving my documentation. 
15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Credit bureaus are obligated to conduct a reasonable investigation of disputed information. The failure to address my disputes indicates negligence in meeting this requirement.

15 U.S.C. 1681b ( c ) ( 1 ) : Creditors must have permissible purpose to conduct a credit inquiry. Allowing unauthorized inquiries to remain on my report violates this provision. 
Failure to Address Identity Theft : By not investigating my identity theft claim or removing the unauthorized inquiries, both bureaus are disregarding my rights as an identity theft victim under the FCRA. 
Relevant Legal Precedents : Collins v. Experian Info. Sols., Inc. , No. 20-2032 ( 4th Cir. 2021 ) : Established that credit reporting agencies must perform reasonable investigations into consumer disputes. The court found liability for a lack of due diligence.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Reaffirmed that credit inquiries conducted without permissible purpose violate the FCRA and are grounds for statutory damages.

Smith v. E-Backgroundchecks.com , Inc., No. 14-1351 ( 7th Cir. 2016 ) : Ruled that failure to promptly address disputes or inaccuracies creates consumer harm, supporting statutory damages for violations. 
Evidence Attached : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Screenshots of unauthorized inquiries from XXXX and Equifax ( Images XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

We received an XXXX card as covid 19 stimulus. I called in and got a pin number. However, the card balance is XXXX. Why? I can't get an answer from XXXX XXXX XXXX XXXX.
Product: Student loan

I filed a complaint with the XXXX XXXX XXXX ( Complaint # XXXX XXXX in XX/XX/2020 and it is still not resolved - Navient continues to commit unfair lending and repayment practices. I have had nothing but a run-around from Navient. And now they are ruining my credit score. 
They were not sending timely monthly statements for me to pay on my student loan. 
Apparently, they assume that all people have computers and pay their bill online. My computer crashed and I was not able to purchase a new one, and requested that a paper bill be sent to me prior to the due date so I could pay it. That never happened and still hasn't. 
Instead of Navient sending a timely monthly statement, I would receive a past due statement every 2-3 months, which would include late fees assessed. Therefore, I filed the above complaint. How can I pay timely when I don't receive a timely statement? And especially when I specifically requested those timely statements to pay by? 

On XX/XX/2020, in response to my complaint, I received a letter from XXXX XXXX, Office of the Customer Advocate. She stated " your account has been set to receive correspondence via postal mail since XX/XX/2020. You may call me directly at XXXX XXXX with any questions you may have ''. She was incorrect in saying that because I was NOT receiving timely monthly statements to pay by. Therefore, I phoned her back at the phone # she provided 6 times, and left a voice mail for her to return my call each time. Nobody ever returned my call. 

On XXXX, I received another letter from XXXX XXXX, Office of the Consumer Advocate. She admitted that the previous information I received in writing from XXXX XXXX, Office of the Customer Advocate, was false by stating " I would like to provide an additional explanation ... we found that you were still enrolled in electronic billing and we confirmed you were not on coupon books. We have now updated your billing method to be sent as monthly statements via postal mail. '' ( I have copies of all of these correspondences and past due statements with late fees which I will submit at a later date ). However, even though Navient stated that, it is STILL not taking place. 

I am still receiving sporadic statements past the due date with late fees assessed. This practice must be unlawful ; it is certainly unfair. 

Currently, Navient is reporting to the Credit Bureaus that I am not paying my loan, even though they are not complying with our agreement, and what they promised to do. 

How can I pay them timely if they are not sending me timely statements? I can not. They have a scam going which ruins credit scores, and makes them extra money by assessment of late fees. 

In addition, before allowing me to go into forebearance / IDR agreement the last time I needed to, they forced me to agree to waive my Student Loan Forgiveness rights. They recorded this conversation. This does not seem to be a legal practice either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft and I can't get any jobs because I have false items on my background that prohibiting me from getting a job
Product: Credit card

last month I opened a Capital One Master Card at that time I enrolled in auto pay. I accidently entered my inocorrect checking account number and the payment was returned.after speaking to them 3 times and trying to make 3 payments ( in all conversations they told me that the matter was cleared up ) .. 
Today again I called and asked why they are not taking my payments, finally they told me that the checking account I entered was wrong.. I made a for XXXX.. they said my account was going to remain frozen until I verify the wrong account I mistakenly entered in autopay.. since I do n't know the number I I cant.. they have my proper checking account number. but will not take my card off being frozen. I said I would pay it off and close the account. they said I ca can pay it off but the account would remain open forever and I can never use it be because I am unable to verify the checking account number that I initially entered incorrectly.. but they will continue to charge me an annual fee for the card.. so they wont take it off the frozen status and they wont close the card. 
they say they recorded all of my phone contacts with them so I asked them for transcripts of the conversations proving that I tried to pay 3 times and 3 times they told me that the problem was reconciled.. today I spent many hours on the\ phone with them talked to three people and they said were putting me on hold but they hung up ... they kept trying to make me say that my acts were intentional and that I tried to fraud them ... they were pushing me to use those words.. I need this resolved so it dosent ruin my credit and I want copies of the transcripts of the conversations.. I want to sue them or get a lawyer or something I admit that I mistyped my checking account number in autopay completely by accident.. how can I resolve this and sue them. how could they refuse to close my account, I cant ever use it, I have to always pay annual fees .... 
unless I verify an account number that I mistyped and do n't know what the number is ... I want the transcripts to show that they told me it was resolved 3 time 3 times and to show how they tried to make me use words to say that I frauded them intentionally.. 
PLEASE HELP ME
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Omission of accounts or records belonging to the consumer Data and data entry errors Furnisher system or process inaccuracies Assigning a payment to the wrong account ;
Product: Checking or savings account

Deposit a {$600.00} check at my BOA branch 's ATM on Sat XX/XX/XXXX, XXXX.

BOA put a instant 'HOLD ' on it until XX/XX/XXXX, XXXX.

Talked to the issuing bank XXXX  and they informed me the check cleared on XX/XX/XXXX.

Called BOA last two days and escalated both times to an Supervisor.

BOA tells me the Risk Department refuses to lift the hold.

Big problem with BOA, keeping my funds from me after the check already cleared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : 01 XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX ... XXXX XXXX XXXX Original Creditor : 12 XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit 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 violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

The EOS CCA with account number XXXX has been reporting on my credit report which I find erroneous. I have no idea about this account and I have submitted a lot of written complaints about this account to both Credit Bureaus and to the creditor. However, they failed to give me any response and I have decided to seek your help to have this account blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : 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 a account without my written instructions
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 XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

I am reporting an issue that Bank of America denied my dispute of a credit card transaction On the early morning of XX/XX/XXXX, in responding to a XXXX free trail advertisement, I subscribed to a service that was provided by a Merchant called XXXX XXXX  XXXX which utilized a payment-processing third party called XXXX to process its payments. After I provided my credit card information to XXXX, I found out that there was no free trail for me, I was immediately charged with {$64.00}. I contacted the Merchant which said that I was not eligible for the free trial, so I told that Merchant I wouldnt subscribe to its service and asked for refund ; the Merchant unsubscribed me immediately but told me to contact the payment-processing third party XXXX to get refund ; XXXX in turn told me to contact the Merchant. After Back-and-Forth several rounds, I called Bank of America to stop the payment. However, after initially credit me back the charge of XXXX, Bank of America informed me today ( XX/XX/XXXX ) that it has decided to deny the credit and re-issue the payment to the Merchant. 

I did not receive any service from this Merchant, which provided nothing to me, and I dont know why Bank of American would make this obvious unfair decision to its customer of 26 years
Product: Credit card or prepaid card

I attempted to make a payment in XXXX of 2019, and the payment was returned due to some unknown reason. I was not notified of this. Everything was paid in full when I voluntarily checked my account for an update. I had an address change that I communicated and never received statements from XX/XX/2019. I spoke to a representative of Chase and was told that there was nothing they could do to ameliorate the situation. I also have no e-mail communications on record from this account to my e-mail on file, leaving me with 0 communication methods to know that my payment was returned or that my payments were late.
Product: Checking or savings account

I have received email notification of opening Merrill XXXX XXXX account. I have not authorized the opening of such account. I have called Merrill Lynch to put a stop on the approval process and flag the opening. I received email confirmation but no one can provide me with a written confirmation and validation that such account has not been opened and that my identify is flagged from opening future accounts. 

I have also requested proof of my identity, which I would assume was needed to open an account and no one was able to provide or confirm that such validation happened.
Product: Credit reporting or other personal consumer reports

This account is open. Equifax continuously reports credit card account as closed. Both XXXX XXXX and XXXX is reporting he account as OPEN. with the incorrect reporting it is affecting my credit utilization and payment history and therefore overall score by reporting this account as CLOSED. This account is OPEN/NEVER LATE.
Product: Debt collection

I was a secondary cardholder on an account until XXXX, when the primary cardholder removed me from the account. The primary cardholder later was unable to pay their bill and now I have had repeated calls from American Express or parties that represent American Express to collect this debt. They always ask for the primary cardholder and I tell them that I have not had contact with the primary cardholder since XXXX. I tell them to stop calling me, they say they will stop calling... then they call again. The calls had stopped for a month or two until they started again, and they're always from a spoofed local number that says American Express on the caller ID. 
Recent Call list : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has constantly continued to violate my rights as a Consumer even though I have asked them numerous times to stop they continue to illegally post on my report which has caused me tremendous harm and gravely impacted the way I have been able to take care of my family Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or I will finally seek monetary damages in small claims court in my city and state.
Product: Credit reporting, credit repair services, or other personal consumer reports

A hard inquiry was made by XXXX  XXXX XXXX on XX/XX/2022 that was not requested by me and it is now showing on my credit report. The bank said that no card was issued so that they couldn't doing anything else on their end and suggested I work with the credit reporting agency. I am working with the credit reporting agency to get the inquiry removed but they said I would need a confirmation that I have filed a formal complaint with the government in order to ensure that this gets resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXX XXXXXXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 


XXXXXXXX XXXX XXXX XXXX XXXX  I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Have requested proof of debt for years and till this day never received it. 

XXXX XXXXXXXX XXXX XXXXXXXX Have submit for them to provide proof of investigation plenty of times and till this day have never got the proof. This should have fallen off my report years ago. 

XXXXXXXX XXXX XXXX XXXXXXXX TransUnion investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX investigated this dispute and deleted this item from my credit report. Then transferred to other credit bureau reports under a different company. 

Most of these accounts were already removed, and deleted from my reports through XXXX, XXXX, & Transunion. Then a few weeks or months go by and they reappear as a different account on my credit reports. I have been resubmitting these reports for years and still no proof of investigations. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This delinquency is regarding Capital One The date of the first delinquency doesn't match the date that I have and under 15 U.S.C 1681 ( B ) ( E ) you must provide maximum possible Accuracy and I am taking into consideration that The CFPB is suing you as well. I'm also requesting full disclosure of the XXXX  of my profile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX were transferred in XXXX to Commenity Bank. I had the wrong address on the payment that I sent in for XXXX, and it was returned. I re-issued a new payment, and it cleared my account on XX/XX/XXXX for {$200.00}. That was more than my minimum balance for XXXX, XXXX, and XXXX. Then I issued another check in XXXX, and that cleared on the XXXX for {$240.00}. This was also more than enough for the monthly balance. I have sent at least seven letters, and spoken to multiple people at Commenity Bank and XXXX stating that due to the large payments that they are not reporting these as late payments. I haven't had late payments, and my credit report history is great. In XXXX, when I purchased a vehicle it was XXXX. Now with this, we are unable to refinance our home, because it is showing negative payments on my credit report history. I need this taken off of my credit report immediately, because with everything going on we are worried we are going to lose our jobs. We have to refinance so the payments are more affordable, even if one of us lose our jobs. I need help, and have been waiting for months. 
XXXX Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX. XXXX XXXX XXXX, DE. XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/year> and noticed my personal information was incorrect. The incorrect information is my name. I spoke directly with Experian and this information should have been updated per the conversion from XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. However, weeks later and nothing has changed. I dont know what else to do. Can you look into this matter. Update the information asap!
Product: Credit reporting or other personal consumer reports

I understand FCRA 605B requires the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccurate reporting, with incorrect amounts and dates.
Product: Student loan

Ive attempted to make my payment multiple times. The latest time I called they said they would open a payment investigation. I called my bank to verify they attempted to pull the money on the payment dates and they have not record of any attempted debits from Mohela. 
They also took my account off auto debit and stated that I could set it back up online which I tried to do several times but it kept failing when I was trying to hit the submit button. I called to try to setup auto debit after that and they stated they couldnt set that up over the phone that I would have to request a paper copy of the auto debit form and mail it back. I requested the paper form be mailed to me of which I never received. 
These people are collecting interest on my account and saying Im in default when Ive been trying to pay my loan for months!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 and imposter attempted to open credit card accounts using my name and Social Security number from two different banks. One was Wells Fargo card services in XXXX XXXX Iowa and the other was XXXXXXXX XXXX XXXX in XXXX North Dakota . I did speak to sale in fraud department at Wells Fargo and he saw the application but said it was denied. XXXX XXXX XXXX told me they did not see any application attempt on my credit, yet XXXX XXXX shows a hard pull. Neither of these attempts to get a credit card were done by me, so I am disputing both of them and request to have any points docked from my credit score reinstalled please.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX