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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Debt collection

XXXX XXXX XX/XX/2024 Please reference CFPB # XXXX XXXX XXXX XXXX XXXX XXXX stated they sent me a validation letter on XX/XX/2024, and we are still in XXXXXXXX XXXX XXXX so these are the lies they tell Please have them delete this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly asked for evidence to support your reporting, but yet again, TransUnion has failed to provide me with a copy of any viable evidence submitted by the following. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I have sent seven ( 7 ) or more previous letters to you, all by certified mail ( copies of receipts attached ) requesting that you remove inaccurate information from my file and you have failed to do so. Since the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, ) I repeatedly asked for Validation as well as Verification and even requested the method of verification, and TransUnion has not complied still. The following information, therefore, needs to now be deleted from my credit file. I have given TransUnion ample time and opportunities to make the appropriate corrections to include 1 ) correction on Account Numbers ( description ) - all descriptions end with XXXX Therefore I can not verify the correct account is being properly reported. The line item is incorrect if the account number is not listed therefore and again inaccurate information is being reported, 2 ) Outdated employment data is reported. All companies listed under this section is no longer reportable as I am not employed with any of those companies, 3 ) Telephone number ending in XXXX does not belong to me this is an unknown telephone number. In reviewing my credit report dated XX/XX/XXXX, I realized there are several inaccurate listings still. These accounts are incorrect and several are outdated. All reported data must be complete, correct, and proven if challenged.
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have asked the XXXX and XXXXXXXX XXXX  to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, XXXX, EquiFax and XXXX XXXX. Mostly I called yesterday XX/XX/22 at around XXXX PST and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # XXXX
Product: Mortgage

I called Shellpoint mortgage ( new rez ) at XXXX XXXX XXXX about removing my PMI since I have been in my home for the last 18 years and have paid into PMI previously and it was removed after 11 years, they refused. My home value and loan amount is well within the required percentage to qualify to have the PMI removed. I had to refinance to put the same home in my name alone per the divorce decree instead of both names. My name was on the original loan, its the same address, I have now had the current mortgage since XX/XX/2016 and have not had any late payments in the last 12 months. Actually I have only been late once in the last 4 plus years. I feel that it is unfair that I pay the PMI again for the same house for another 11 years because of a refinance was required. 

My home value is $ XXXX and the amount of my loan is now XXXX
Product: Credit reporting

My direct deposit for my social security check was fraudulently changed in XXXX so I wanted to look at my credit report and ca n't get it without paying for it. I strongly feel my identity has been stolen.
Product: Debt collection

1 Remaining Negative Account. 

Account Name : DISCOVER BANK Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX CONSUMER - XXXX - is reporting inaccurately on my credit report with Experian & XXXX. This account is showing as a profit/loss Charge off and it is NOT as such! I was only late on the account a couple times & when they repossessed it I got it back 2 days later and have been current ever since. I was only late a couple of times. It is not a charge off and I still have the car. It is reporting wrong and that is a violation under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. Equifax is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXXXXXX XXXX XXXXXXXX Date XXXX Balance : {$0.00}
Product: Debt collection

I was verifying my credit reports for employment verification, for credit denial, lowered score and due declared disasters moratorium of DR4493-COVID19 PANDEMIC, DR-4473 EARTHQUAKES, DR-4339-HURRICANE MARIA AND THEIR DISRUPTION CAUSED MEA CAR ACCIDENT WITH PROPERTY LOSS IN XX/XX/XXXX, DR-4336-HURRICANE IRMA. I have noticed that SEARS reported inaccurate information IN XXXX about balances, missed payments and late fees charges and added missed payments and charge late fees to my balance over my credit limit, when i am not using my sears credit card neither more charges were allowed. i would like that they removed the inaccurate information as my rights under CARES ACT, AND following bills 116s3548is, bill 116hr748enr, bills116hr133sarcp11668. those charges not proceeding under declared disasters, i am not a delinquent criminal person. i have the right to privacy and intimacy and i do not want to SEARS shared my information because i was a survivor of the disasters and i was affected, i lost m employment, new contracts, and new jobs, lost my home, lost my cars due to my rights violation and now i am trying to fairly recovering i did not received any aid from fema neither from small business administration, that denied me the loan due to my credit report, and lost employment contract due to my credit report and i can not pay due to the employers do not contract me due to my credit reports and becomes a vicious circle, and libels about my image. i tried to resolve with them in XX/XX/XXXX under DR4473 and in XX/XX/XXXX under DR4493 and they do not want to fix the incorrect balance my credit limit was {$500.00} and i did not used my credit card because there no more transactions allowed so they are adding the missed payments and late fees charges over the credit limit in convenient way for them, and that it is not equal opportunities. i did not owed to sears {$1100.00}, i did not owed to sears {$1000.00}, i did not owed to sears {$1000.00} as the incorrectly and falsely reported to my 3 credit reports agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

A dispute was open and notified that fraudulent account was reflecting on credit report and stemmed from identity theft. I notified XXXX  and they stated that they were going to do an investigation. I received notice that an investigation had been completed and that said account had been removed/deleted but the account was placed back on my credit file by XXXX  stating that they received information from the creditor who told them to put it back on credit file. They advised me that they had not done an investigation and just blocked account per FCRA but the paperwork that they sent me stated a investigation had been completed. I requested the information that was received and they denied me of this information. They are now reporting information that is fraudulent and did not complete an investigation as they said they had done which is unethical and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the negative information that has been reported on my credit report. According to the Fair Credit Reporting Act ( FCRA ), I have certain rights to privacy and accuracy of the information on my credit report. I believe that the negative information that has been reported on my credit report is inaccurate and I am requesting that it be removed. Capital One XX/XX/2023 for the amount of XXXX Section 602 of the FCRA gives me the right to privacy with regards to my credit information. I believe that the negative information on my credit report is an invasion of my privacy rights. 

Furthermore, Section 604 A Section 2 of the FCRA states that a consumer reporting agency can not furnish information on an account without my written instructions. I have not given any such instructions, yet negative information has been reported on my credit report without my consent. 

Lastly, Section 1666B of the FCRA prohibits a creditor from treating a payment on a credit card account under an open end consumer credit plan as late for purpose. I have made all of my payments on time and in accordance with the terms of my credit agreement. Therefore, any negative information on my credit report related to late payments is inaccurate. 

I am kindly requesting that you investigate the negative information that has been reported on my credit report and remove any inaccuracies. I believe that this negative information is unfairly impacting my credit score and my ability to obtain credit in the future. 

Thank you for your time and attention to this matter. Please let me know if you require any further information.
Product: Debt collection

Crown asset management notified me they had bought an old debt from Prosper Marketing that was charged-off, profit loss from 2022. I never received a 1099C for me to file it as income. They are now trying to pursue this collection through court. Neither one of these agency 's are on my credit report with the amount of debt they are trying to sue me for.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACATIONS DONE BY ME.
Product: Credit card or prepaid card

On XX/XX/XXXX, my wife enrolled in a membership program with XXXX XXXX XXXX XXXX in XXXX, TX ( see enrollment agreement. ) She enrolled using her credit card as an authorized payment option. On XX/XX/XXXX, a one-time charge of {$26.00} for treatment of an injury was used to pay for services with XXXX XXXX XXXX XXXX XXXX 

Starting in the month of XX/XX/XXXX, XXXX XXXX XXXX XXXX arbitrarily started changing my account for their membership fee. My credit card was not presented as an authorized payment option for this enrollment, only for a one-time charge. XXXX XXXX XXXX XXXX XXXX TX has charged my credit card without my permission over nine times ( XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX, for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00}, XX/XX/XXXX for {$59.00} ) for a total of {$530.00}. 

I requested Capital One to dispute the charges and refund me those unauthorized payments. The payment where temporarily refunded only to be charged back when XXXX XXXX XXXX XXXX forwards an enrollment agreement. 

The enrollment agreement does not list my credit card as an authorized payment option ( See agreement payment Information for credit card ending in XXXX. ) It was electronically signed without any of my personal information or authorization. 

XXXX XXXX XXXX XXXX in XXXX, TX, provides an XXXX number to cancel, which no one answers.
Product: Debt collection

You are fraudulently reporting an account that does not belong to me. I've attached the police report for this account, remove it immediately from any consumer agencies you have reported it to or I will be asserting my rights in court.
Product: Debt collection

this was filed in chapter XXXX and should be removed off credit report as promised
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX, and I am submitting this complaint/dispute without error or any influence from any third-party agency. Please see the following attached documentation below and meet my requests as soon as possible. THANK YOU!
Product: Checking or savings account

On XX/XX/13 I received an email that a checking account was opened in my name with capital one banking. I then received emails that my email and phone had been updated. I have restricted the account but need it closed as soon as possible.
Product: Credit reporting or other personal consumer reports

On my XXXX credit report, there are 3 hard inquiries related to credit card applications that I did not make : 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX ; 1 inquiry from XXXX XXXX  dated XX/XX/XXXX ; and 1 inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I do not bank with any of these 3 banks and I did not apply for credit cards with any of them. 

The XXXX XXXX inquiry was also reflected in my XXXX credit report and in my Equifax credit report. 

There was also a phone number ( area code XXXX ) in my credit reports that does not belong to me. 

I am in the process of disputing the hard inquiries with all 3 credit reporting agencies, I removed the unknown phone number from my account, and I placed credit freezes and fraud alerts on my accounts with all 3 credit report agencies.
Product: Credit reporting

I relocated to the XXXX area for work and rented a small apartment for XXXX months. The last month 's bill was not forwarded to my address which I had left with the rental agency. The debt of {$59.00} was sold to XXXX by XXXX in XX/XX/XXXX, XXXX years after I had moved out of the apartment. I was not aware of the any debt being owed to XXXX. When contacted by XXXX, I stated I was unaware of the debt, but researched it and determined I owed the amount. I agreed to pay XXXX and was told that my credit bureau would not be impacted due to the circumstances. That payment happened on XX/XX/XXXX. I have followed my credit bureau and my scores have been in the XXXX since that payment was made. My last update was on XX/XX/XXXX and my score was XXXX. On XX/XX/XXXX I applied for a mortgage and was told that my credit score had dropped to XXXX. This was due to a collection account being reported by XXXX XXXX The same account that I had paid in XX/XX/XXXX of the previous year. I had contacted the company and was told that the account had a zero balance and was being reported as paid in full, which it was, but was also showing as a collection account. What does n't make sense is that XXXX reported the account as a collection account XXXX months after it was paid in full and had not been reporting on my bureau during the months in between. They offered to send me a letter confirming a zero balance. I inquired as to why I was told by XXXX of their agents that this would not impact my credit when I paid it and was informed that it was their policy to report accurate data to the credit bureaus within 45 days of a debt being assigned to them for collection. I asked for a supervisor and was denied. After a second call, I asked for the trade line be removed and explained my entire situation again. I asked for a billing dispute team and was informed that they would look into pulling the original call to determine what was communicated to me. I attempted to call back a third time to lodge a formal dispute, but was unable to get through to an agent. I was forwarded directly to a voicemail at XXXX est. I made multiple attempts with the same result. I disputed the trade line with XXXX, will file a dispute with XXXX and attempt to contact XXXX again. I do n't see how this company can place a trade line on my bureau 7 months after I paid as agreed in full and was told that it would n't impact my credit. I am looking for XXXX to live up to the agreement we made in XX/XX/XXXX and remove this negative mark on my credit bureaus.
Product: Mortgage

I am awaiting a response regarding my mortgage interest payment reported to IRS for XXXX XXXX XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner Bank of New York as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, XXXX on behalf of note owner Bank of New York. These two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of Bank of New York, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to XXXX # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : XXXX. What date that XXXX XXXX XXXX sent the original IRS Form 1098 for XXXX to IRS? 
2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 
3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 
4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 
5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX, XXXX as the third-party requestor ; XXXX. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX XXXX has on record for me with XXXX XXXX XXXX as the third-party requestor? 
7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
8. What is the name of the contact person at Bank of New York, the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 
9. Where are the copies of any documents with SXXXX XXXX XXXX XXXX XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by GLBA, Gramm Lilley Beach Act, to third parties?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I called the Equifax in reference to an account that was double reporting on my credit file, was inaccurate, was not mine and was past the statue of limitations in my state ( confirmation # XXXX ). I was told that the account was incorrectly reporting double and that the agent would dispute it and that I would be contacted about the results. As written in U.S.C. 1681i ( a ) ( 1 ) ( A ) " if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate... '' A reasonable investigation was not completed. I was not informed when the investigation was complete until I logged in and check the dispute results myself. Upon login I discovered Equifax had completed the investigation on XX/XX/2022, which was one day after the investigation was initiated. 

I did not receive anything in the mail explaining the procedure or notifying me that the investigation was complete.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within XXXX  days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over XXXX  days old.
Product: Debt collection

I have already disputed this debt and submitted an FTC identity theft report on the XXXX of XXXX this year, this account is still reporting to my credit report as of today. I am filing this new dispute as something relevant has just been brought to my attention. I would like to be clear that I have had no business with the original company XXXX, but even if this were a legitimate debt it is no longer legally collectable in the state of California as per the states Code of Civil Procedure XXXX. As stated in my XXXX credit file this account was opend in XXXX of XXXX this is far past the statute of limitaions and as such this account should be removed from my credit file. I would also like to note that this account information is reported differently on my XXXX and XXXX files and to my knowledge this is also a violation of the FCRA. On my XXXX file it is listed as XXXX XXXX XXXX. On my XXXX and XXXX files this is listed as CREDIT COLLECTION SERVIC but does not show an account number, an open balance of XXXX $ and that it was opened XX/XX/XXXX. I am certain that this account is not mine as I have had no business with XXXX in XXXX nor in XXXX.
Product: Checking or savings account

I have had multiple overdraft fees and non sufficient funds when the money was just not in my account yet but pending
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. DISCOVER BANK XXXX