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

Subject : Urgent Inquiry and Request for Compliance with Metro 2 Standards/verification methods.

Resposne to CFPB Compliant # XXXX Dear Equifax, I am writing to express my serious concerns regarding your adherence to Metro 2 compliance standards. Specifically, I have questions and requests regarding the reporting of my bankruptcy information.

Despite Federal regulations mandating the complete, accurate, and compliant reporting of all information, particularly within the Metro 2 data fields, it appears
there have been deviations from these standards in my case. This is not only a violation of federal regulations but also a breach of consumer trust.

I am seeking clarity on the following : Metro 2 Compliance : Why has Equifax failed to comply with Metro 2 standards in the reporting of my information? 

If the bankruptcy court did not report any information to any credit agency or vendor, how could you verify information that was never reported? ( see attached Letter from Bankruptcy court ) Verification of Information : Provide irrefutable physical proof of the validity, accuracy, and compliance of the reported information. 

Specifically, I request : The name and contact information of the individual at the original creditor with whom you communicated to verify these items.

The method of contact used ( e.g., phone, email, written correspondence ).

Whether you utilized a Universal Data Form ( UDF ) or an automated dispute verification system.

A detailed description of the reinvestigation procedure, including the steps taken to verify the disputed items.

Additionally, I am exercising my right to opt out of any reporting, given that my privacy and confidentiality have been compromised. 

Should you fail to substantiate the claims made in my report with the requested information, I expect the inaccurate accounts to be removed immediately. Failure to comply with my request will result in my taking legal action, including filing a lawsuit in small claims court for {$1000.00} per violation, pursuant to FCRA 623 ( a ) ( 3 ).

I look forward to your prompt response and resolution of this matter.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SY Reported I open this account XX/XX/2023 Not my account did not have XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following collection accounts and credit inquiries listed on my Trans Union, XXXX and XXXX credit report are all fraudulent, unauthorized and dont belong to me : XXXX XXXX XXXX, {$1500.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, {$150.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$3800.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX. I been receiving harassing and threatening phone calls of profane language, death threats and threats of arrest and jail from representatives from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX for accounts that are fraudulent and the result of identity theft. The 4 collection agencies are in violation of The Fair Debt Collection Practices Act ( FDCPA ), a violation of Federal law.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Debt collection

For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX  XXXX XXXX XXXX  {$3000.00} I have sent letters to XXXX  and neither parties have responded to these disputes. 

I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX  about the Validation of this account. 

I am requesting for XXXX XXXX  XXXX XXXX XXXX  to delete this account off of my XXXX  report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

CA Civil code 1785.25 ( c ) mandates the furnisher 's of credit information to add " CONSUMER DISPUTES '' to the furnished information to the credit bureaus. DRS ( Designed Receivable Solution ), even though has been sued under Civil Code 1785.25 ( a ) for furnishing INACCURATE & INCOMPLETE information to the credit bureaus still refuses to comply with the code and add " CONSUMER DISPUTES ''! Additionally, reports a medical bill as LOAN. This way drastically has MISREPRSENTED the case and as a loan claiming interest in on a disputed account. XXXX is the number DRS is registered with the Secretary of State. 
Said conduct of DRS does meet requisite elements of violation of Business and Professions code 17200 as well.
Product: Debt collection

Wakefield XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX These are bills which were financed through the charity of the Hospital and through The emergency indigent support for patients whom don't have resources to satisfy emergency medical care.
Product: Debt collection

I am filing a formal complaint against XXXX XXXX XXXX, XXXX at XXXX XXXX XXXX XXXX, IL XXXX. This company is attempting to collect a debt that I do not owe. XXXX is falsely accusing me of not fulfilling a contractual obligation with SPOTLOAN ( PAYDAY LOAN ). I have never heard of this entity and have not done any business with neither the debt collection agency nor the creditor. 
I am not sure how this entity has obtained my information but I can assure that I have never applied for a payday loan.
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. XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Chase bank is reporting on my credit card a 30 day late payment on XX/XX/XXXX and XX/XX/XXXX to the credit bureaus XXXX  XXXX and XXXX. 
This is false and I have requested that they correct this and remove the late payment. They still have not updated this
Product: Money transfer, virtual currency, or money service

These are the facts of the case : XXXX {$500.00} XXXX XXXX was sent via Ria Financial Services to my father who lived in XXXX XXXX XXXX XXXX I notified my father who was the recipient, XXXX XXXX. We chose XXXX XXXX as the location for the cash pick up as he had been able to retrieve previous transfers successfully. He was informed by the staff at XXXX XXXX by XX/XX/year> ( XXXX  ) they would have the money ready at XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX my father and recipient, presents himself to XXXX XXXX XXXX approximately XXXXXXXX XXXX and they tell him the money isnt ready, to return on XX/XX/year>, XXXX. 
However, on this date I received an email saying payment was completed which typically happens when the money is paid out. I did not verify this with my father. 
XXXX XXXX XXXX XXXX XXXX my father and recipient, returns to XXXX XXXX XXXX directed and he is told the money isnt there. He calls me to let me know. While on speaker phone, the manager tells us that the transfer is most likely on hold and there is nothing they can do and I just contact the company where the money was sent from. 
That same day, I call Ria and Im asked for one more day to receive information. 
XX/XX/year> - I call Rias customer service and I am asked for 5 days. 
XX/XX/year> - I receive an email from Ria that they are working on a recall request, to follow up in 5 days. 
XX/XX/year> - I receive the dame email from Ria as the one from XXXX asking for XXXX additional days. 
XX/XX/year> - I receive an email from Ria saying they are unsuccessful in recalling my request and there is nothing further that can be done. On that same date I request proof of payment for the transfer. 
XX/XX/year> - I receive an email from a customer service representative saying they are still actively working on the case and they have requested proof of payment from XXXX XXXX. 
XX/XX/year> - I am provided proof of payment with a forged signature of my fathers signature. 
XX/XX/year> - I inform Ria that the signature is not my fathers signature and need further assistance. 
XX/XX/year> - I receive an automated email saying they are in constant communication with the bank where the money was received. My money was not sent to a bank and I had previously disclosed this information. 
My father is a XXXX XXXX XXXX man and the primary caregiver of our XXXX XXXX XXXX mother who has XXXX XXXX XXXXXXXX. He is unable to frequently leave the house and try to resolve this issue himself as my mother is XXXX XXXX XXXX  still and can not be left alone. This money is a means to assist my father in providing for my mothers care.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required FTC Identity Theft Report, these inquiries remain on my credit file. As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the FTC report and removed these unauthorized inquiries from their records. 
Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

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: Student loan

I started at XXXX XXXX in 2008. I was told that all of my classes would be in the class room. Unfortunately, XXXX XXXX went to an online format for my remaining XXXX credits. They also told me that they would accommodate my XXXX and my work schedule. My XXXX is XXXX XXXX. While I was trying to fix the problem with XXXX XXXX  and their refusal change from online classes to in-class instruction, I was not given any more funds and had to start paying my loans. At the time, I asked for the loans to income based. Navient put me into forbearance at least 7 times that increased the interest. My loans are costing me {$72000.00}. I would like to consolidate my loans ( I have three ). Navient has told me that I can not consolidate. I need help with this situation. I am paying for loans and have no degree. Any help that you can provide would be appreciated. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer rights have been violated. 
Under 15. U.S 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

I have unauthorized credit inquiries on my credit on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have always made my payments on time. For some reason, I realized that there were days of late payment on my credit report and I do not believe I was late on the dates they are reporting. This account should not be showing the current status of late since it's already been paid for. It seems impossible to appear late on an account that has already been paid. This is the account I want to correct and please assist me : XXXX XXXX XXXX : {$670.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 a hard inquiry by XXXX XXXX  appeared on my Transunion credit report that I did not recognize or authorize. I reached out to Transunion to report the unrecognized hard inquiry on my report and they were unwilling to remove it. I was then able to get evidence from XXXX 's that they had investigated the inquiry and made the decision to remove it. They said it would take up to 30 days for this change to reflect on my credit report. Today is XX/XX/2023, well past the 30 day mark and the hard inquiry is still showing on my Transunion credit report. Per the FCRA, it is Transunion 's duty to be reporting correct and accurate information on my credit report and file, however they are NOT. This inaccurate information is damaging my reputation and causing unnecessary emotional and mental stress.
Product: Credit reporting or other personal consumer reports

There is a Bankruptcy reported inaccurately on my XXXX and XXXX account. Both XXXX and XXXX claimed that the information was verified with Lexis Nexis. However, I've suppressed my Lexis Nexis ( and have the confirmation letter below ) months before requesting the removal of the bankruptcy and they ( XXXX, XXXX ) managed to still get information from Lexis Nexis. This in violation with FCRA regulations and I'm requesting the Bankruptcy reported on my XXXX and XXXX account be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK HOME MORTGAGE - I WAS UNDER CARES ACT UNTIL I PAID OFF MY MORTGAGE IN ONE LUMP SUM. US BANK REPORTED AS A DELINQUINT ACCOUNT. I WAS NEVER ONCE LATE ON A PAYMENT OUTSIDE OF THE CARES ACT IN 20 YEARS - MY ACCOUNT WAS CURRENT UNTIL I QUALIFIED FOR FORBEARANCE. I THEN PAID OFF MY MORTGAGE/ ACCOUNT AT THE END OF MY FORBEARANCE. US BANK REPORTED AS " DELINQUINT WITH XXXX BALANCE '' AND DROPPED MY CREDIT SCORE OVER XXXX POINTS. I HAVE REACHED OUT US BANK TO DISPUTE AND RECIEVED A LETTER THAT I DID PAY DURING THE FOREBEARANCE TIME AND SO THEY REPORTED IT AS DELINQUENT.
Product: Credit card

Discover XXXX  bank has placed my account on hold for no reason I have a XXXX $ security deposit My card was blocked because discover bank couldnt send a verification code to my phone. I called in to verify and even asked to send a picture of my ID but they are telling me that I need to have a phone number thats in my name in order for them to send me a verification code. But I am on my grandmas phone plan so I dont have a phone number thats under my name. They basically are telling me that I need a phone number on the account thats under my name in order to continue using my card and I feel like thats unlawful It doesnt say anything in the disclosure about having to have a phone number under your name. 

Nobody has an answer for me and there almost XXXX $ stuck in my account The supervisors cant help me either
Product: Mortgage

I have a Traditional 15 yr fixed home mortgage with Key Bank The payments for the same have been made for the past few years and set up as an automatic payment via XXXX XXXX XXXX XXXX. 
These payments have been made on a timely manner every month to Key Bank I am in the market for seeking a home loan for a new home purchase. During this process I spoke with mortgage brokers and on XX/XX/2022 was offered a rate of 3.0 % by XXXX XXXX. During their process they informed me that my credit score was low due to non payment of a Key bank payment for XXXX. I went to the local XXXX branch the next day where I was informed that my mortgage rates had changed due to tax increase by $ XXXX. There was s shortcoming as my account was on autopay and they would attempt to resolve it. This matter was discussed at the local branch, with Key Private Bank, with Key Mortgage and all agreed that this issue should be resolved. In addition Key Bank had an incorrect telephone number as well as no email address to contact me. The remaining downside in payments was made, the autopay amount corrected and submitted.

The concern I currently have is that Key bank refuses to withdraw their report to the credit agencies. No attempts apart from the monthly account statements were made to notify me of the a ) Change in amount, b ) The shortfall in payment or c ) The intention to report this to the credit agencies. 
Further after I had started conversation with various departments in Key Bank I start getting certified letter regarding non payment and potential foreclosure clearly an attempt by them to show that they are doing the " right thing ''. 
The bank and its representatives did not have an answer when I queried why a certified letter had not been sent previously. They further mentioned that they have glitches in their internal system and my email which is available to them as I am a business banking customer was not visible on the home side. Even after I updated my information, I was old that they were unable to reach me for a follow up call and when queried they confirmed they had called the old defunct number. 
The banks process has 1 ) Multiple internal issues with poor communication and updating information on their system 2 ) the bank failed to contact me appropriately regarding a payment change 3 ) The bank failed to reach out to me regarding a payment shortfall 4 ) The bank failed to notify me regarding a pending negative report to the credit agencies and finally 5 ) The bank has failed to provide me a documentation of what has transpired over the past 3 weeks. 
The bank employees I have spoken to are but not limited to XXXX XXXX XXXX XXXX Thanks
Product: Credit reporting or other personal consumer reports

My rights have been violated. I have a right to privacy. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The Fair Debt Collection Practices Act ( FDCPA ) ( 15 USC 1692 et seq. ), which became effective in XX/XX/XXXX, was designed to eliminate abusive, deceptive, and unfair debt collection practices. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit. Responsibilities of furnishers of information to consumer reporting agencies. 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. 

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
Product: Credit reporting or other personal consumer reports

From XXXX XXXX, XXXX  to present my identity was looked up 94 times. Experian says they have submitted reports to remove the exposures- it has been more than 45 days and only 3 have been removed from the sites. 


Unauthorized Inquiries are showing on my credit from : XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not have permission to run my credit with these corporations and needs to remove these inquiries from my credit report - I did not give them permission to send my credit to these companies. Instead of removing the inquiries XXXX XXXX of XXXX XXXX denied wrongdoing and threatened me. 


There is Dark Web Compromised Information Found From Websites and I was never compensated : thecreditpros.com - put my SSN on dark web XXXX  - breach occurred in XXXX, XXXX  - never compensated me for damages chegg.com - breach occurred in XXXX, XXXX, XX/XX/XXXXXXXX  with my old XXXX email poshmark.com - Date : XX/XX/XXXXXXXX  with my old XXXX email chronicle.com - Date : XX/XX/XXXXXXXX  with my old email : XXXX homechef.com - Date : XX/XX/XXXXXXXX  with my old email XXXX myfitnesspal.com - breach occurred in XXXX, XXXX and XX/XX/XXXXXXXX  with my old email : XXXX gonitro.com, Date : XX/XX/XXXXXXXX  with my old email : XXXX I am NOT related to any XXXX- that is my XXXX XXXX, dishonorable XXXX, XXXX XXXX XXXX I am NOT related to any XXXX- that is XXXX XXXX XXXX ( XXXX  ) XXXX XXXX I am NOT related to dishonorable XXXX, XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX dishonorable XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX is my, XXXX, XXXX, half cousin who should not be looking up my information at all I am NOT related to XXXX or XXXX - don't even know anyone with these last names Several times I have put in request to have my information deleted from : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX and it keeps showing back up on their sites ( Disrespectful and illegal ) I have been dealing with RICO practices- with threats to me and my children 's life Duty The agent had a duty of care towards others Breach of Duty The agent failed to live up to the duty of reasonable care Causation The breach of the duty of care is the cause Damages the victim ( myself and children ) suffered damages.