23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX MORTGAGE SOLUTION ( EQUIFAX MORTGAGE SERVICE ) labeled Miscellaneous meaing of various types or form different sources. I did not give any authorization for the process of that, different sources unknown using my Private information for applications etc. I applied for mortgage loan with XXXX this is an Act of an Privacy Breach, there is no reason i shall have inquiry from EQUIFAX based on mortgage service. Resulting in other mortgage services having inquiry on my credit file as well.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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
Product: Credit card or prepaid card

Received credit alert about a capital One credit card opened in my name. Called Capitol One and notified them of potential fraud, it was for a Walmart card???. Then called ID protection XXXX. 
Daughter received same notification same day. 
Was this due to my XXXX  router and WIFI being changed out??
Product: Credit reporting or other personal consumer reports

Please remove Bankruptcy from credit file, XXXX XXXX does have it nor does The Courts provide information to credit reporting agencies.
Product: Checking or savings account

I was robbed by Chase for about {$14000.00}. 
In 2021 i was awarded a check from The ERAP Program of Colorado. This check was to help me avoid XXXX during the XXXX outbreak. I in Turn Opened a Chase Bank Account Since the check was a Chase Check. Once i opened the account and established myself with the New Bank account i went ahead and deposited the ERAP check made out to me directly into my New account. I waited the time the bank told to i needed to have it clear. I also held off my Landlord from eviction another few weeks, explaining that he would be paid in full once the check was clear. When the time came for the check to clear. I went to try and make a withdrawal of the funds. I was asked by a Manager of the Branch where i had gotten the check and asked why i was trying to Fraud Their bank with a faulty check. I explained what ERAP was and explained that i was running out of time so please process the check asap. For more then 6 weeks i was given the run around, transfered to different head quarters around the country. I supplied Every necessary proof of the checks legitimacy to no avail. They would not even give me back the check so i could cash it at a cashing center to save my home.Finally i was evicted and lost everything i had to my name. My last XXXX  was spent on trying to keep my family off of the streets until i succumbed and was forced to beg family to atleast let my children stay with them. I ended up literally on the streets in a shelter. XXXX later chase sent an email apolgizing and asking if i would like my account back since they wrongly closed it. But no mention of my check or money. This is a spit in the face to all the XXXX XXXX help Our Government faught for and a blatant slap in my face discriminating me for my appearance and race as i didmt look the part depositing a {$12000.00} check. My family and i did not deserve this. We lost everything we had and are still trying to recover from this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

Bank of America is holding my monthly SSDI benefit due to ( another party 's ) fraudulent activity of the account. This matter is based on a dispute with a former vendor who " ran up '' false charged to the amount of {$1900.00} In any event, the entire amount taken includes the proceeds of my monthly Social Security Disability benefit. 

I have informed the bank of this, but the bank persists in holding my SSDI payment and causing damages as a result.
Product: Debt collection

I just received a collection notice as to a XXXX credit card to which I never owned. It is not on any of my credit reports with XXXX XXXX or XXXX ... .. they are saying the balance is {$1000.00}. 


I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
Product: Debt collection

Was sent satisfaction of judgement for debt with XXXX XXXX  and still am being garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rocket Mortgage has been reporting Fraudulent information to my credit report since XXXX without my written promission and without any communication or opt out ever sent to me. 

Fraud Alert. This account does not belong to you.

No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report.

Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SEVERAL ISSUES WITH MY CREDIT REPORT SEE LIST ON ATTACHED XXXX  XXXX ' THERE ARE MULTIPLE UN AUTHORIZED INQUIRIES THERE ARE LATE PAYMENTS THAT NEVER HAPPENED THERE ARE COLLECTION ACCOUNTS THAT ARE NOT MINE THERE IS A CHAPTER XXXX THAT IS NOT MINE I HAVE ATTACHED A LETTER WITH EVERY DETAILED EXPLANATION OF THE ITEMS TO BE FACTUALLY CHALLENGED AND CORRECTED
Product: Credit reporting or other personal consumer reports

reviewed my credit report from Experian and noticed that the report has credit inquiries that I did not authorize. I request you to investigate and remove the inquiries as soon as possible. I will be applying for a loan very soon and it is crucial that my credit score reflects my accurate credit standing. In case you come across evidence that counters my claim, I request you to please send me a copy XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SYNCB/WALMART, SYNCB/CARE CREDIT, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, SYNCB/WALMART, SYNCB/CARE CREDIT, and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

XXXX XXXX acct # XXXX This account was reported as a collection charge-off.and is affecting my score negatively.The reporting of this account is incorrect as I still see a balance as it was charged-off.I urge your agency to reinvestigate and provide all the missing info.Also please explain why theres past due balance reporting while the report shows as a charge off? Im pretty sure you know that is a violation.I demand immediate deletion of this account to ensure to ensure that your agency is reporting full and only complete information.According to 15. U.S.C.1692 C. You have violated my rights in lawful communications please move this collection off my credit report.Also 12CFR1006.34C has been violated. I dispute the XXXX of my profile and Method of payment. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, I contacted XXXX XXXX XXXX to let them know that they erroneously reported a late payment on a loan held by my son, XXXX XXXX, on my report. Not only was the payment on time, but an additional principal payment had been made that month. The late payment was only reported to my equifax report, causing an 80 point difference on my equifax report from the other two agencies. I spoke with various employees such as XXXX XXXX and XXXX XXXX. XXXX XXXX told me that he would get the correction taken care of but has never answered another call or email again. After two years of waiting and a letter from my lawyer, a correction still has not been made. This is now causing me to get higher rates quoted on other loans that I have applied on.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted complaints XXXX and XXXX to CFPB, against XXXX and Barclays Bank Delaware, respectively XXXX The issue was improper use of my XXXX credit report ( a hard inquiry ) dated XX/XX/XXXX. In its response ( dated XX/XX/XXXX ) XXXX refused to remove the hard inquiry and referred me to Barclays Bank Delaware instead. In its response ( dated XX/XX/XXXX ) Barclays Bank Delaware acknowledge that there was fraud involved and stated that a request has been submitted to the consumer reporting agencies for the removal of the associated hard inquiry. Barclays Bank Delaware also stated, Please allow up to 60 days for the update to be processed by the consumer reporting agencies and reflected on your credit bureau report. Today, XX/XX/XXXX, ( after 60 days had elapsed ), I pulled my XXXX credit report from the annual credit report.com website. The hard inquiry was still on there.
Product: Credit card or prepaid card

I found out that both of my credit cards from syncb had a charge of {$5000.00} and change A dispute was started and on XX/XX/2021 I received a bill from XXXX XXXX I tried to call them spoke to XXXX and he gave me an XXXX in which I was not able to connect to a live person. I was on hold for both on XX/XX/XXXX and XX/XX/XXXX and was not able to receive any answers in which where the furniture got delivered, who signed it, and when was the transaction was made. After being transferred to the fraud team on XX/XX/XXXX, and tried to get answers the person stopped speaking for approx 10 minutes and then hung up on me. Both accounts are from synchrony Bank and they are XXXX XXXX, and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

bankruptcy can not be verified by courthouse but they said its been verified. So if the courts cant verify this than who has the authority to verify? XXXX could not verify there fore they removed bankruptcy so why are XXXX  and Transunion saying the opposite?
Product: Debt collection

Maryland changed the statute of limitation to collect on a Mortgage loans to Three ( 3 ) years from Twelve ( 12 ) years. 
A lender who fail to foreclose on a loan within three years, on an owner occupied property, can not take any LEGAL action to collect the debt. 
the last time according to the lenders record any payment was made was XX/XX/2010. 
They are not disputing the Maryland law, but are not interested in releasing the LIEN The LIEN IS UNENFORECABLE under Maryland law. 
We request them to release the LIEN ASAP..
Product: Credit reporting or other personal consumer reports

Violation of Fair Credit Reporting Act ( FCRA ) by XXXX and Equifax Improper Investigation of Credit Report Disputes To Whom It May Concern, I am submitting a complaint against XXXX and Equifax regarding their failure to properly investigate and resolve disputes about inaccuracies on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 
I have sent multiple dispute letters to both companies regarding the erroneous information listed on my credit reports. However, they have failed to conduct a reasonable investigation into my disputes ( 15 USC 1681i ). Correct or delete incorrect or outdated information ( 15 USC 1681c ). Reinvestigate the errors, even after they were flagged for removal ( 15 USC 1681s-2 ). Fail to respond to my dispute within the required timeframe. 
Furthermore, I was recently made aware of a CFPB lawsuit against both companies for similarly failing to conduct proper investigations into consumer disputes. The lawsuit alleges that these credit reporting agencies are improperly handling dispute investigations, potentially harming consumers ' access to credit, housing, and employment. Given this legal context, I believe my experience mirrors the issues the CFPB is investigating, and I am seeking, immediate correction of the inaccurate entries on my credit report. A proper investigation into the disputed items, in line with FCRA requirements. An explanation as to why the errors have not been rectified or investigated properly. Compensation or resolution for any harm caused by these incorrect reports, if applicable. The inaccurate accounts are : 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. Please confirm receipt of this complaint and provide me with updates on its status. I request a prompt resolution of this matter and ask for confirmation that the credit reporting agencies will comply with the FCRA moving forward. 

Thank you for your time and attention.
Product: Checking or savings account

On X/XX/2017, at approximately XXXX XXXX, I deposited XXXX ( XXXX ) one hundred dollar bills into the BBVA ATM in XXXX, CA, immediately after depositing the bills, I noticed there was a problem with the machine. The ATM emitted strange noises and the screen showed an error message, Take unrecognizable bills out, but the bills were not returned. The Deposit door on the ATM didnt open, and a few seconds later, the machine gave a message that it was Out of Service. I was frantic as to what to do, and I waited around for about an hour, spoke with two other customers who were unable to complete their own transactions, because of the malfunction with mine. I sent a message through the online portal and on Monday, X/XX/2017, I visited the bank and attempted to sort the problem out in person. The employees were dismissive, and wouldnt give me the time of day, rudely stating that they couldnt help me, because my problem was an ATM issue. After contacting the BBVA call center, numerous times, dealing with hangups and less than enthusiastic call center agents, and agents in the dispute department, finally on X/XX/2017 my deposit was credited to my checking account. Unfortunately this was not the end of this nightmarish experience. I was still charged NSF on that very same day, and additionally on X/XX/2017, well after there was money in my account to cover the charges. On XX/XX/17, I spoke with an representative of the bank, who identified himself as the XXXX XXXX, manager of call center in Puerto Rico. I ask XXXX XXXX about credits for the NSF charged by my financial institutions, and he told me It is policy not to credit insufficient charges ( outside of BBVA ) that  customers experience from a ATM malfunction. I asked him to provide evidence that this ridiculous claim was true, and his response was Its just known. He also told me that I had received all of the BBVA NSF that i was entitled to, but I received only XXXX out of XXXX NSF. While all the financial institutions that I am a customer to, expressed regret for my troubles, they will not reverse their fees, even though I am able to submit a letter from the bank showing a dispute and that the action occurred through no fault of my own. It seems that I am being penalized for BBVA faulty equipment and slow processing times.
Product: Credit reporting or other personal consumer reports

I have seen authorized inquiries on my credit report and have disputed and attached the relevant FTC Identity Theft Report but Equifax has refused to delete the inquiries.
Product: Student loan

As I approached my graduation date I called my loan provider to get assistance with consolidating my loans. The person that helped me took me through so many steps that I actually felt good about about the process and felt that the person was actually consolidating my loans. Well a year or two later I get a call saying that I owed all this money to all these different companies regarding my student loans. I explained to the person that that could not be possible because I had consolidated my loans already. The person told me that that was not the case. My loans were not consolidated and had never been consolidated. I began to feel angry and I wanted to cry. So the person on the phone began to yell at me about making a payment. When I explained that I was still trying to process that for nearly two years I thought my loans were consolidated and come to find out that they were not, I was lost for words. So I was told that I could get into some type of repayment plan for nine months and after that period I would be caught up. And my loan would come out of default. Well I participated in the repayment plan, they garnished my checks and withheld my tax refund from me for years. The student loan process is not worth the stress that people go through. Many people aspire to go to college, get a degree, and hope to become a part of society and positively impact the world. Well for many they live with worry about how they are going to make it from day to day. And then when these college graduates get married and have kids of their own they struggle with how will me child pay for college especially if I 'm still trying to pay off a large debit that I owe. I would urge people to save as much as they can to make a better future for their families. It 's much easier said than done. But do we really want our children to suffer the way many are suffering today? Something has to change. You ca n't build up hope and expectations with little kids about going to college if they wo n't be able to afford it or be able to afford to live after they have gone to college and graduated with a large debt chained to their legs. Something has to change. Build a better and brighter future, PLEASE!
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently received a copy of my (, XXXX, Experian XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; XXXX, XXXX, Experian, They reported my account as LATE in the months of XX/XX/2021 and XX/XX/2021 - 30 - 60 days Names of the accounts : - - XXXX XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( 3 ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2021 and XX/XX/2021 you reported transactions from XXXX XXXXXXXX XXXX XXXX, Account Number XXXX on my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report!

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency. 

I need the transactions reported as Late Payments on XX/XX/2021 and XX/XX/2021 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

I need the above transactions deleted from my consumer reports! 

Best Regards XXXX XXXX