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

Equifax lists a public record judgement on my credit file as  XXXX  as reported as of  XXXX    XXXX  . I have no knowledge of this public record and it has not been reporting on my credit report. I have lost points from my credit score because of this reporting and it is damaging my report and hindering me from obtaining credit. Please remove this public record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I am responding to last previous dispute against Experian Credit Bureau response to you. I give the company Experian authorization to proceed with my complaint to resolve this issues on my credit report to remove the incorrect information immediately. 

I have previously submitted a compliant in regards to the company Experian Credit Bureau, that is continuing to report inaccurate account on my credit profile without mailing me proof of their method of verifying that account. I have submitted proof of letters of concerns with Experian and provided a letter from the GA Bankruptcy Courts stating they do not use third-party or do not report to any credit bureaus. This has been a stressful process dealing with Experian unethical behaviour of not investigating my request properly. 

Experian is not in compliance with reporting this inaccurate information on my credit report that is ruining my credit rating and reporting misleading information. I have been patient for several years and ask that you hold them accountable to the FTC, FCRA, FDCPA Law of my right of reporting accurate information on my credit profile. Experian has not sent me proof of any document of their method of verification and documents thats shows that my account. 

I ask that Experian mail me the documents that i requested and not an automated statement that does not prove anything. I am requesting method of verification documents with my signature that the requested account be Removed from my credit report immediately. This process has been stressful and this is my last result before I will have to take legal actions against Experian Credit Bureau. 

Thank You for helping me resolved this matter and hold Experian Credit Bureau accountable for reporting inaccurate information that's ruining my credit rating from obtaining any credit. Thank You for helping me correct and resolve this misleading information on my Experian credit profile. 

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

On my credit reports there is a closed account with huge amount of missed payments. BANK OF AMERICA ( Date opened XX/XX/2017 XXXX Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We submitted a short sale to USbank on XX/XX/2016. They collected documents and had a complete file on XX/XX/2016. It has been 96 days since the short sale was submitted. They have not even ordered and appraisal on this case.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX  and all payments were placed on XXXX. 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 to be removed/updated. 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 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Date Updated : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was a victim of this data breach and XXXX has done nothing. Please help me to delete these illegal accounts from my reports.
Product: Checking or savings account

Chime bank sent a written statement to my account detailing their mobile check policy ( I have a copy ). It states 1 business day after check accepted I receive {$200.00} partial payment. Under this written premise i initiated mobile check deposit on XXXX. Check was cashed by chime on XXXX. Chime has since refused to place any of my funds in my account. I have not had money for a week. I have suffered severe financial damages. I do not understand how a company is so lacking in ethics, negligent, producing fraudulent documents to customers, yet still allowed to operate. There only response is " the check may hold for 5 days ''. It has been 6 days. Please help me i am out of options. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a third party XXXX agency reporting in a debt which I dont believe is mine or in the least is reporting inaccuracies. I also believe it is a violation according to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. And would like it removed from all three credit reporting agencys. Please remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I notified Transunion throughly CFPBs complaint portal, that two inaccurate late payments in XX/XX/2020 were listed on my credit report. The companies XXXX  XXXX and XXXX XXXX  are listed on my credit report as XXXX XXXX XXXX XXXX 

The complaint is as follows : XXXX, XXXX, Transunion, XXXX XXXX  and XXXX XXXX are all in violation of the CARES Act, by erroneously reporting a late payment, from XXXX XXXX and XXXX XXXX and refusing to allow me to dispute it. I contacted both XXXX XXXX and XXXX XXXX, regarding being directly affected by Covid and created a payment arrangement. I honored my payment arrangement by paying XXXX XXXX in full and by making a payment amount on XXXX  XXXX. I was told to send a request in writing and to then dispute the erroneously reported information to the credit bureau. To date, neither company has corrected my credit report, nor have I been able to dispute the erroneous information with any credit bureau or get the erroneously reported late payments removed. I am a XXXX veteran that had a current account with no late payments or delinquencies, at the onset of covid-19. This erroneous reporting has caused my credit score to drop nearly 75 points. This is in direct violation of the CARES Act which states : If your loan is considered current ( not past due ) at the time you make an agreement with your creditor to modify repayment, the creditor needs to report to the credit bureaus that you are current on your loan. If your loan is considered delinquent ( past due ) when you make an agreement with your creditor, your status will continue to show as delinquent until you bring the account back into good standing. Once you bring the account current, the creditor must report your status as current to the credit bureaus. According to the new law, an " accommodation '' could be an agreement to make partial payment, to put a loan in forbearance, to modify a loan or to offer any other relief. The CARES Act protections require creditors to follow these guidelines for all agreements made between XX/XX/2020, through either XX/XX/2020 XXXX 120 days after XX/XX/2020, when the law was enacted ), or 120 days from the date the COVID-19 national emergency is declared over. 

Despite this, Transunion has not corrected my report. Their response was that no such accounts appear on my credit report and to check it again. This is completely inaccurate as the accounts are in fact on my credit report as XXXX XXXX  XXXX XXXX. Just for my own information, I purchased my Transunion profile from XXXX, and the inaccurate delinquencies are still there. This is a violation of the FCRA and is unacceptable. These inaccuracies caused my credit score to plummet and has completed disrupted my plans of purchasing a home.
Product: Checking or savings account

I have been having trouble documenting all of what happened within the 30 minute allotted time and also submitting this because i is deleting the whole thing. 
Briefly : chase bank has changed in such a way that it is not providing information or support to their customers despite many attempts. They have persons that do not have a clue as to how to help anyone beyond the information that I could glean from the website and XXXX. It cost me a lot of money, time and emotional distress and damage to mine and my daughters credit rating and resulted in a snow ball effect that I am still dealing with. I got sick. I am the only person who does the bills. I was convinced by companies to do the automatic payments on everything some even required this. I used designated accounts for this purpose to try to keep it all straight. An error of some sort created a domino effect. I transferred money from an outside account and it took about 14 days to clear. This caused items to be returned and fees attached and I was not aware of this for sometime. When I figured out what happened I attempted to go to the bank. No one was available to help and I was directed to the 800 number and/or their app. After many many many attempts and this happening in months of issues and being transferred to hold department and speaking with them and being told that the 12-14 day hold was everything to do with XX/XX/11 up to being policy to nothing was on hold at that moment and they could not help without something being on hold and 5 trips to the bank. Numerous emails that were rude and flippant and condescending. With we are processing your quick deposit enlisting the other bank to call them directly to explain things and to see how we could speed up this process. I finally learned from yet another bank that I could link the accounts thus avoiding this whole mess. They also returned items presented after the deposit where they could see there was funds. They never made any of the amount deposited available and our credit cards that are chase or synchrony owned by chase were canceled and fees on top of fees on top of fees. Our credit is ruined and now that I am a little better I am trying to fix it. I have called all of them many times and tried to even have them accept part of the money and I would continue payments. I have continued to pay all this time. On top of that they didnt return a XXXX dollar charge that was XXXX suspicious and there was no funds for. I have all documentation to support all of this so do they!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am writing to formally dispute the inaccurate reporting of a late payment on my credit report. The account in question, under the name XXXX XXXX, is erroneously listed as having a late payment for XXXX. This is incorrect, as the payment was made on time and in accordance with the accounts terms. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), it is the responsibility of consumer reporting agencies to ensure that all information reported is accurate and complete. The reporting of a late payment on this account is neither. This account has never been late, and the record must reflect that fact. 

I have enclosed a copy of my credit report highlighting the disputed item. I demand that you investigate this matter thoroughly, correct this inaccuracy, and delete the erroneous late payment from my record without delay. 

Please provide written confirmation of the results of your investigation and any corrective action taken.
Product: Checking or savings account

I opened an account online with Bank Of America XXXX. XXXX, 2022. I deposited {$100.00} into the account. On XXXX XXXX, 2022, I tried to log in to my account online and was blocked from doing so. I called the customer service number for Bank Of America that evening and was told that my account was closed. On XXXX XXXX I again called customer service during regular banking hours and was told that there was a freeze on my account and the bank decided that it was best to close my account for business purposes. I inquired about receiving the money in the account and was told to go into the branch with my ID to get the money. I went into the local branch that afternoon and was told that they cant give me my money, the account was closed. I asked for someone in charge and was told he was with another customer and to make an appointment which I did for XXXX pm on XXXX XXXX XXXX After going in and speaking with the bank manager I was told that the account is going on for closure and they planned on sending me my money with a cashiers check. I also let them know that I changed my military allotment to go into that account and wanted to know what would happen to that. They explained that it would be mailed to me. First of all, if the account is still open, why can I not get my money out. Secondly, if the account is still open why am I being told its closed. They also had the nerve to ask me if I wanted to open a new account. Can you please help me get the funds that are currently in there and any future deposits expeditiously. Per there own words they have until XX/XX/XXXX to close my account. At that point I will receive my money. How fair and right does this sound. Who gives them the right to hold MY money XXXX?
Product: Debt collection

on XXXX, XXXX 2025 I noticed a levy was placed on my personal checkings account. upon investigation with my bank they told me Midland Credit Management was the creditor to said XXXX. After investigation with a midland credit representative, we discovered multiple filing errors on their internal accounts. these errors include permanent residence, full legal name, phone number, and social security number. 
the person who owes that debt is named XXXX XXXX like me, except my full legal name is XXXX XXXX XXXX XXXX 
hyphen included. 
not only does the debtor live in a completely different state as me, they also owe money to a bank in which I have never even opened an account with. 
the only information on the midland credit account that relates to me is the social security number. Because of this, I never received court notices, notices from midland credit, or any entity involved regarding a court order being placed. And still, a levy was placed through New Jersey courts on my personal checking account. Leaving me with absolutely nothing in my account. 
I would like this to be rectified, and the actual debtors to be identified and placed responsible for this mess.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

" AFNI '' is reporting on my credit report an account with a high balance and original creditor they listed as " XXXX XXXX XXXX. '' I had already verified with XXXX this account had been paid a couple years ago, and I have sent " AFNI '' two requests for validation of this account. The most recent was on XX/XX/2017, and I have attached it to this complaint. They failed to respond or provide any documentation of such account as required by FDCPA regulations.
Product: Mortgage

I have already filed XXXX complaint against Truist for multiple withdrawls of my mortgage only to discover this morning they did it AGAIN. This bank is clearly operating under the assumption they can foul up XXXX transactions without repercussions, which is outright fraud.
Product: Credit card or prepaid card

I hired a Company to take care of my debt they advised me to close my account with discover in order to qualify the. They started over charging me both for my debt and there services so I cancelled
Product: Student loan

Several times over the past approximately 5 years navient has texted me statements saying that I can easily take care of my problem with a forbearance by just clicking yes here or typing yes here and sending it back to them. Made it seem like this was a very simple fix and did not at the time specifically offer income-based repayment plan. Feel like they purposely made it very easy to just type in yes send it back for forbearance which causes my payments in the end to increase over interest still necessary to pay during the forbearance.
Product: Credit reporting

the questions they asked me i answered them correctly to my knowledge ... and couldnt get report might be fraud
Product: Debt collection

Back in XX/XX/2014 we was sent a judgement from XXXX XXXX XXXX, we was told that a lien was placed on our home .when we sell the house the money would be taken from the proceeds. Did not hear anything from the co for four years until XX/XX/XXXX when they garnished our checking account and tripled the amount we have a -XXXX. We had enough money to pay the debt, we was told that it would be frozen for a week, it is now 2 months later and Bank of America still has the account frozen. Bank of American says it is XXXX XXXX and XXXX XXXX  says it is XXXX. We need to know why a co is allowed to keep your accounts frozen, they have their money. They threatened to garnish wages for another account. Why would a co be allowed to not care and tells us that our accounts can be frozen for as long as they feel like it. This should not be allowed to not help or given a reason that our accounts can be frozen as long as they feel like it. My husband is getting ready to retire and dont know how to handle social security. The file number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My TransUnion credit report shows that I have approximately XXXX in debt on my XXXX credit card and I paid it off. The dispute says that the report is correct and account is settled but it is not. It still shows that I owe the money.
Product: Debt collection

Statewide Credit Services wrongfully placed collection on me, harming my credit greatly for the last 3 years. Beginning from XXXX to today, on a monthly basis, they damaged my credit score by placing collection every month, for the money that I do not owe XXXX XXXX XXXX XXXX. As a result of the lawsuit provided, the case had been dismissed. 
In addition, I am currently going through a dispute with XXXX XXXX XXXX XXXX where they have wrongfully overcharged rent on the rent stabilized property that I resided in. I moved out in XXXX of XXXX and paid my rent in full. This is currently under review by XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX and was submitted on XX/XX/XXXX. The XXXX has also provided the rental history under request no. XXXX as provided in supporting documents along with the case dismissal provided. Statewide Credit Services has wrongfully placed me on collection and has ruined my potentially perfect credit score due to their negligence.
Product: Debt or credit management

I used Lex law and didnt receive a check from the Law Suite
Product: Vehicle loan or lease

Santander Consumer ( USA ) date of loan XX/XX/2014 balance is {$3000.00}. the car was a total lost. I no longer have possession of this car. They refuse to remove it from my credit report and they have a class action lawsuit that is in place. 

I have sent them several certified letter request the removal from my report and every six months they do a update, which effecting my score tremendously. I am asking for help with this. 

Thanks