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

On XX/XX/XXXX I received my credit/consumer report back from Onsite regarding an apartment that I had applied for. After receiving the report I noticed that their were traffic violations over two years old being reported, not even my tickets, along with a Bankruptcy that did not belong to me. The traffic tickets belong to my XXXX mother as well as the bankruptcies. I did not submit my social security number when I initially applied, so I submitted my identification along with my social security number to get the traffic violations removed along with the bankruptcy. Neither was corrected nor removed from my consumer report after I sent in the information to prove that those items did not belong to me.
Product: Credit card or prepaid card

I recently applied to a Chase XXXXXXXX XXXX XXXX XXXX XXXX. I was denied for no reason and no explanation, which makes absolutely no sense. I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. 

I am planning on traveling and I believed Chase XXXXXXXX XXXX XXXXXXXX is the right choice for myself as I am now a XXXX member and plan at staying at their properties. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration even by moving balances around if that is what was required, and they were absolutely no help and said to reapply again. This is very unethical on their side. Why would I reapply when that will count as another hard inquiry, and they can reconsider. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.
Product: Debt collection

I previously submitted a debt validation letter to LVNV Funding and requested that they validated a debt that they claim I owe. Once the letter was sent I also spoke to a customer service representative with their company who insured me that the account was resolved and that the validation of debt was being sent. Since the letter was sent I have not received anything validation of the debt from the company and they still are inaccurately reporting the account on my credit report. They are in violation of my Fair Debt Collection Practices Act and also my Fair Credit Reporting Act. I am asking that they please remove the account from my credit report cease and desist all communication with me in regards to this debt collection. I have also attached the letter that I sent for reference. Due to non response from the collection agency I am prepared to file a complaint with my State 's Attorney General Office and request damages for up to {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - SAMS club has been addressed multiple times this regard. Since the last negative reporting is over 5 years, they were asked to remove negative items from the credit reports. It has been over 30 days and nothing has been done by the creditors or the SAMS. The last negative item was provided to the reporting agency in XX/XX/XXXX. Yet, all fails to remove this from my report. Also, proof of the negative items were requested by XXXX XXXX, 30 days late and XXXX 60 days late was never provided. All the creditors take thier word and NEVER ask for proof nor have provided me any. Since this was an old report I had asked multiple times, to include XX/XX/XXXX, to get the negative items or SAMs as a whole removed from my credit history. SAMS was paid in full and I had them close the account. Why is date of status at XXXX???? in the XXXX  report? This can cause XXXX employment issues and credit issues. The negative is more than 5 years old. This needs to be removed. By law, they can remove it and chose to leave it there. Reporting is optional, but not by law. This can be removed at any time. I asked SAM to be reasonable to remove them totally from all reports or at least these two things. I receive a electronic computer generated report that they are right, no proof or reasoning. NO further repeat investigation will be done. This go for the creditor and SAMS. I am trying to fix my report to work. Lack of cooperation and abuse continues. They, at this point, are required t prove what thy are reporting. 

SYNCB is the crediting bank.
Product: Checking or savings account

Not allowing either robo-investing/saving accounts to link to my PNC account. It's 2020, they should have a way of playing nice. I have previously tried to link my PNC account for usage with XXXX. I was unable to link it so that the " rounded '' amount could be transferred. However, I was unable to do so since PNC says they want " too much information ''. As a result I have since stopped using my PNC debit card and pivoted to using credit cards solely ( something I am sure PNC can attest to, and probably misses the fees associated with those charges ). I attempted to sign up for an account with XXXX as  well and have run into this issue again. 

It almost seems like PNC wants me to close my account and move to a more tech and future friendly bank.
Product: Credit reporting or other personal consumer reports

The currently reported XXXX XXXX with account number displayed as XXXX XXXX on my XXXX XXXX report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on Equifax in this reported claim on my Equifax report XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Even after knowing all of the information of how institutions function in the United States to disempower certain communities and people of XXXX. It is still necessary to challenge the institutions to attain equitable treatment. The credit bureaus has an interconnection between financial institution, insurances companies, and credit unions, etc, who uses them for housing, redlining, and for devaluing an entire community by labeling all of its resident as " high risks ''. 

Equifax has attempted to devalue my credit health as the United States Government devalued XXXX Americans for homeownership in the XXXX. The Ponzi Schemes was used by the United States government to build projects for white privileged soldiers. Then the United States Government emerged with the G.I. Bill to allow white privileged soldiers to escape from the projects but kept XXXX Americans trapped in the inner-city by alleging the government did not have money to lend to XXXX Americans soldiers for the 235 homeownership program. 

The existence of economic and XXXX inequity continues to prevail with Equifax against my credit health. Equifax has developed a sense of superiority over my credit health on or about XX/XX/2019. Equifax distorted conditioning process was used to report to XXXX XXXX XXXX XXXX and other creditors that there are derogatory on my credit health. Such as a derogatory public record, or collection, and proportion of loan amount is too high on my credit health that all are unfounded in fact. 

Equifax knows that access to excellent credit health, or quality education, and health care, is the road to empowerment. Equifax internalized XXXX oppression has attempted to disempower me with inaccurate  credit information to my creditor. Equifax has generated their wide disparities in my life by their biases, stereotypes, and behaviors that characterize they're " real '' XXXX. America ( Equifax ) institutionalized racism is supported by your white power structure that allows you to loot America of goods, or steal goods, or plunder people of XXXX credit health. 

According to Professor XXXX XXXX companies of the upper socioeconomic class engage in much more criminal behavior as Equifax has done than the lower socioeconomic offenders.
Product: Debt collection

I'm a victim of the XXXX XXXX breach and I reviewed a copy of my credit report and noticed a account that is the result of fraud and this data breach as I was and I still am incarcerated I was incarcerated when this account was opened and I'm currently still incarcerated please block this account immediately
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 XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX FIN XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$9500.00}
Product: Debt collection

I get a call everyday asking for " XXXX XXXX ''
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well over 30 days and you are in XXXX of this law because I am the victim of identity theft. Please delete these items IMMEDIATELY. 
These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

XXXX XX/XX/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: Debt collection

Midland Credit Management has filed a civil lawsuit alleging I owe them XXXX. In the petition filed, the debt collector has stated that I have refused to pay the alleged amount and now seek the lawsuit to recover. 

This is completely false and I attach not only the petition filed by Midland Credit Management but my attempts to resolve and receive the information pertaining to the alleged debt by XXXX. 

Due to my efforts exhausted I ask that CFPB conduct a review of Midland Credit Management action stemming from this alleged debt for violations. 

I believe that I requested throughly information that was not provided, yet this debt collector decided to file a lawsuit stating otherwise.
Product: Credit reporting or other personal consumer reports

Experion, XXXX XXXX and so forth are getting sued or have been i want what was taken from me
Product: Vehicle loan or lease

I submitted a request to apply the Louisiana Provision of the SCRA Louisiana Statute Section XXXX and 29:312 to my auto loan ( # XXXX for XXXX  XXXX XXXX XXXX ) with Santander Consumer USA. As you may be aware, this Louisiana law differs from the federal requirements of the Servicemembers Civil Relief Act ( SCRA ). I believe that my situation qualifies under the provisions of this specific state statute, and I am seeking to have it applied to my account accordingly. Please let me know if any additional information or documentation is required to facilitate this request. I appreciate your prompt attention to this matter and look forward to your response. I submitted this request and was denied but should have been approved because I was stationed in Louisiana at XXXX XXXX on XX/XX/year>. I sent this all to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I applied for XXXX XXXX & was approved my score with Equifax was XXXX & XXXX with XXXX a hard inquiry drop your score between XXXX. My XXXX went do XXXX and my Equifax went down XXXX. This makes NO SENSE, the customer service reps dont care because its not their credit & want to tell me how to better my credit by paying things on time which has NOTHING to do with why a hard inquiry has dropped both my scores over XXXX. Im very aggravated and annoyed because now Equifax is saying that is correct and verifiable that it was suppose to go down that much. I did my proper research and spoke with financial/credit advisor before I even applied. This is EXTREMELY upsetting because how in the world does it drops so much over an hard inquiry then it has to stay for XXXX?? That is crazy. I need more information in regards of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion had two separate glitches XX/XX/XXXX- XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. 

During these time I used XXXX to monitor my credit file. All of my inquires were removed during the glitches. The inquires were placed back on my credit report illegally after the glitches were discovered. I was not notified in writing 5 days after the inquires were added back to my report. I have called several times and spoke to representatives about this violation with no solution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX My name is XXXX XXXX owner of XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Florida Im reporting Exquifax commercial Solutions XXXX XXXX XXXX, XXXX GA XXXX for inaccurate information on my commercial credit file Equifax claims my company under name XXXX XXXX XXXX XXXX as per Equifax letter XXXX XXXX XXXX and Equifax Commercial Credit Report my company name under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX My company name is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Equifax inaccurate information and Equifax reporting account number XXXX ending in XXXX, not from my Company XXXX XXXX XXXXXXXX XXXX XXXX XXXX and also inaccurate company name Attached herewith Equifax letter dated XXXX XXXX, Equifax Commercial credit report Equifax account number XXXX I want inform that I never received any information for account number XXXX Account dates XXXX is XXXX 10 years lapse in which I never was informed by Equifax or credit card company about it, being contradictory also during the last 10 years I never received any collections Im requesting Equifax to delete account number XXXX ending in XXXX, not from my Company XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to send me a confirmation letter of account deleted within XXXX business days. 

This is harming my company profile. 


Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Re : Loan # XXXXXXXX XXXX XXXX XXXX On XX/XX/XXXX, I submitted an initial mortgage payment to XXXX XXXX  in the required amount of {$2900.00}. This was the first payment due under the mortgage and was due on XX/XX/XXXX. A copy of my statement confirming the payment is attached. 

On XX/XX/XXXX, I received a letter from XXXX XXXX  advising they purchased the above mortgage form XXXX. 

Since that time, XXXX has incorrectly alleged I did not pay the initial payment of {$2900.00}. As such, they have incorrectly reported late payments on my credit report going back to XXXX. I have written to XXXX in XXXX, XXXX, and XXXX advising them of their error. They have taken no action to correct their error and have continued to incorrectly report the mortgage in arrears to the credit bureaus. I have 4 plus years of bank statements demonstrating every single monthly payment was made timely. I have now been denied a loan on an investment property and have had to pay substantially increased loan rates as a direct result of this error. 

This has gone on for four years. That a financial institution can cause so much damage to someone and be free to operate normally is an absolute crime. I am providing the Company 15 days to resolve this amicably prior to filing an Order to Show Cause seeking an Order that the mortgage under loan # XXXX be deemed fully satisfied as a result of XXXXXXXX XXXX continued error and relieving me of any further responsibility under the Mortgage.
Product: Checking or savings account

I have had XXXX issues with Sofi bank they wont respond first was an incorrect disbursement of funds from the atm and they never re calculated the atm. I request XXXX and only receive a XXXX and they havent fixed this issue. Next was XXXX XXXX it has been over 23 days and still no provisional credit
Product: Credit reporting, credit repair services, or other personal consumer reports

An address appeared on all 3 of my credit reports ( XXXX, XXXX, Transunion ), but I have never lived at that address.

Then, all 3 reports show that there is a collection on me from XXXX XXXX XXXX XXXX. This collection company was sent by XXXX XXXX for an account opened in XX/XX/2018. I never opened a XXXX account. Also, the address I never lived at is connected to the XXXX account. 

This is damaging to my credit score. I believe this is fraud, and I have attempted to follow each credit report company 's dispute process, however, I am unable to confirm that the dispute went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  - XX/XX/XXXX Equifax XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is not a duplicate complaint, this complaint is due to the new fraud items on my report. I'm not using any third party for this matter. I'm victim of identity theft, someone has applied on my behalf for credits, these inquiries I have never authorized : XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/2023 ; XXXX XXXX XXXXXXXX. XXXX : XXXX. XXXX, XXXX. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry waw made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. Please remove these fraud items from my report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with CFPB regarding an account XXXX XXXX XXXX on XX/XX/XXXX. This item was successfully removed from my XXXX report based on the CFPB 's investigation completed on XX/XX/XXXX complaint # XXXX. I submitted the documentation to CRA Experian and they have refused to remove this account from my report. I am requesting that this account be removed from the other 2 credit  reporting agencies ( Experian & XXXX ) based on the investigation results that removed the item from my XXXX report.
Product: Credit reporting or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 1.XXXX  XXXX XXXX from XX/XX/XXXX 2. XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 4..XXXX  XXXX  Credit Bureaus/Mortgage Processing Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX  XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX 9. XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 10. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 12 XXXX BANK XXXX XXXX Bank - Mortgage Loans Inquiry from XX/XX/XXXX 13.XXXX XXXX XXXX XXXX - Finance Inquiry from XX/XX/XXXX 14. XXXX -Inquiry from XX/XX/XXXX 15. XXXX - Inquiry from XX/XX/XXXX 16. XXXX XXXX - Inquiry from XX/XX/XXXX 17. XXXX - Inquiry from XX/XX/XXXX 18. XXXX - Inquiry from XX/XX/XXXX 19. XXXX XXXX - Inquiry from XX/XX/XXXX 20. XXXX - Inquiry from XX/XX/XXXX 21. XXXX - Inquiry from XX/XX/XXXX 22. XXXX - Inquiry from XX/XX/XXXX 23. XXXX Inquiry from XX/XX/XXXX 24. XXXX - Inquiry from XX/XX/XXXX 25. XXXX XXXX - Inquiry from XX/XX/XXXX 26. XXXX - Inquiry from XX/XX/XXXX 27. XXXX - Inquiry from XX/XX/XXXX 28. XXXX FCU -Inquiry from XX/XX/XXXX 29. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX 30. XXXX XXXX  XXXXXXXX XXXX XXXX, Used Inquiry from XX/XX/XXXX 31. XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX 32..XXXX XXXX XXXX XXXX  XXXX, Used inquiry from XX/XX/XXXX 33.XXXX - Inquiry from XX/XX/XXXX