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

Company continues to report debts on my credit report, showing that the debts have been charged off. However, company has not provided me with any documentation verifying the alleged debts, despite my repeated requests. Additionally, if the debts have been charged off and forgiven, I have not received a 1099-C form from either company, as required by law for forgiven debts over {$600.00}.

I am concerned that these debts are being inaccurately reported, and the company failure to provide validation documents puts me in a lose-lose scenario. Without these documents or the 1099-C forms, I am unable to confirm the legitimacy of the debts or address them properly. 

Steps Taken : XXXX. I have sent written requests asking for : Verification of the alleged debts ( e.g., account statements, contracts, and itemized breakdowns ). 
A copy of the 1099-C form if the debts have been charged off and forgiven. 
Proof that the debts are valid and accurately reported. 
XXXX. Despite my efforts, I have received no response company. 
XXXX. I have also checked my credit report and noted that the debts remain listed without any accompanying proof or updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the accounts was erroneous. The credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have XXXX loan modification agreements with Chase, finalized in 2013, after my hardship and bankruptcy filing.The bank offered a concessionary rate compared to market rates to reduce the recurring debt service. The difference between the concessionary rate and the market rate for the life of the loan was capitalized in the form of " Deferred Principal '' to be paid at the end of the life of the loan. The " Deferred Principal '' was 7.3 % -7.6 % of the outstanding principal at the time of the loan modification. I am now selling my property ( closing next wek ). Chase 's demand statement requires me to pay XXXX % of the " Deferred Principal '' -- a predatory practice that penalizes the borrower as a Prepayment Penalty. My understanding before the loan modification was that the " Deferred Principal '' was to be earned by Chase over time. Therefore, the " Deferred Principal '' was to be prorated on the basis of the time the loan has elasped compared to the loan maturity. Chase used a fine print -- half hidden from the eye, i.e., not in bold letters -- to lay the trap for an equivalent " Prepayment Penalty ''.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, is trying to collect an allege debt ( XXXX ) : {$100.00}, {$100.00}, {$140.00}, and {$140.00}. This collection company changes its address and refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, is trying to collect an allege debt : {$350.00}. This collection company refuses to accept certified mail requesting a copy of the contract I'm alleged to have signed that authorized payment of this fraudulent account. XXXX XXXX XXXX XXXX XXXX have changed the date ( XXXX ) of these alleged accounts to keep them active on my credit file report ( XXXX ). I have been denied credit or offered high interest rates by potential creditors.
Product: Credit reporting or other personal consumer reports

INQUIRIES 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 XXXX HAVE REACHED OUT TO ALL COMPANYS ASKED FOR A LETTER TO DELETE BECAUSE OF FRAUD AND DO TO THE FCRA LAWS THAT IT BE REMOVED AND HAVENT IM VERY CONCERN AND NEED THESE ITEMS REMOVED DO TO FCRA STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING A PERSONS CREDIT REPORT IS ( 1 ) A FIRM OFFER OF CREDIT ( 2 ) INSURANCE, ( 3 ) AN APPLICATION FOR EMPLOYMENT, OR ( 4 ) A COURT ORDER. THE FOLLOWING INQUIRIES ARE NOT RELATED TO ONE OF THE ALLOWABLE PURPOSES AS I HAVE REITERATED FROM THE FCRA.

15 USC 1601 15 USC 1602 15 USC 1681 B 15 USC 1692B
Product: Credit reporting or other personal consumer reports

I am writing to submit a formal complaint against Equifax located in XXXX, GA. This company has consistently violated my consumer rights under the Fair Credit Reporting Act, resulting in substantial financial and emotional distress. To start, they have reported an inaccurate and unverifiable account on my credit report, and despite my requests for proof of claim as mandated by the FCRA, they have been unable to provide the necessary documentation. Despite my persistent efforts to resolve this matter over the past several months, Equifax has chosen to disregard my communications and legal submissions aimed at rectifying this inaccurate information on my credit report. It is disconcerting to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate with impunity. The unprofessional and negligent conduct of Equifax has caused significant harm not only to my ability to establish credit and secure favorable interest rates but also to my professional standing and personal well-being. I urgently request your assistance in putting an immediate halt to these unethical and immoral business practices, not only for my benefit but also for the countless other consumers facing similar issues. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 accounts 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 accounts. 


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 XXXX XXXX XXXX XXXX
Product: Checking or savings account

The manager at the XXXX location is horrible. I waited 30 min for a card pin charge. Then I had to wait 30 min for a cashier check. I was then charged {$15.00} for the check. I can't believe so many unprofessional and sketchy bank employees are working at this branch. I was asked to share my personal protection on a staff member personal electric device.

So you charged me {$25.00} twice got a cashier check. Then you asked me to share information that never supposed to be shared with you sketchy staff
Product: Credit reporting or other personal consumer reports

Re : Dispute of Inaccurate Information Account Number : XXXX Dear TransUnion, I am writing to dispute inaccurate information contained in my credit report regarding an account with XXXX XXXX. The account details are as follows : Account Name : XXXX XXXX Account Number : XXXX Account Type : Cell Phone Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection account. {$750.00} past due as of XX/XX/XXXX. 
Status Updated : XX/XX/XXXX Balance : {$750.00} Balance Updated : XX/XX/XXXX Recent Payment : - Monthly Payment : - Original Balance : - Highest Balance : {$750.00} Terms : 1 Month On Record Until : XX/XX/XXXX Payment History : Collection as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX This account contains several inaccuracies that I believe to be incorrect. Specifically : XXXX : The account is listed as a collection account with a past due amount of {$750.00}. However, this information is inconsistent with my records. 
Comments : The account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), which implies that the previous dispute did not resolve the inaccuracies. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the specific methods and sources used in the verification process. Therefore, I am requesting : The name, address, and contact number of the party who provided the information. 
The specific methods used to verify the accuracy of the information. 
Any documentation or evidence used to support the verification. 
Additionally, I would like to point out that XXXX XXXX has not provided any documentation proving the validity of this debt. Without proper verification, this account should not be listed on my credit report. If the account can not be verified as accurate, I request that it be removed from my credit report immediately. 

Enclosed are copies of my credit report with the highlighted inaccuracies, as well as proof of my identity. Please complete the investigation within the time frame required by the FCRA and provide me with the results. If this account is not verified as accurate, please remove it from my credit report. 

Thank you for your prompt attention to this matter. 



[ Enclosures : Copy of Credit Report with highlighted inaccuracies, Proof of Identity ]
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that doesnt belong to be. Im a victim of identity theft. Ive contacted the creditors and credit bureau about this
Product: Money transfer, virtual currency, or money service

I started a XXXX XXXX XXXX  and since business is picking up I deduced to use a more useful way of tracking my payments instead of using cash app. A colleague suggested square so on XX/XX/XXXX I signed up for an XXXX  account to be able to send and accept payments. As your account is created they walk you through steps of adding your bank account and making sample invoices. On XX/XX/XXXX me and a colleague came to an XXXX  agreement that totaled out o be {$3500.00}. She was sent an invoice on this date from square and I believe she paid by ACH from her account. On XX/XX/XXXX square emailed me and stated " you can still continue to accept payments. However, until we can confirm your information, your funds will be held in your Square account. You will not be able to transfer your funds into your bank account and they will not be accessible on your Square Card. '' I logged into my account and it sent me to a page with different questions and link to be able tp upload any documentation. I answered each question honestly and to the best of my ability, I also upload my CA XXXX XXXX, CA drivers license, bank statements, CA Secretary of State papers, and proof of EIN from the irs. All of this info was submitted on XX/XX/XXXX, they sent an email on XX/XX/XXXX that my information is now being reviewed. In under a hour my account was blocked, and I can no loner use any of their services. my 1 {$3500.00} payment they told me will now be on a 90 day hold an i can not get my funds until after XX/XX/XXXX. All of my info and documentation is correct and can be verified. They gave me no other explanation and they also have no customer service so you can not talk to anyone.
Product: Credit reporting or other personal consumer reports

To whom it my concern upon checking my credit report ive noticed unauthorized inquiries. 
( 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/year>
Product: Credit reporting or other personal consumer reports

All Student loans have been forgiven eff. XX/XX/year>. 3 Credit Bureaus reporting inaccurate information. XXXX still has the balance and Equifax. XXXX shows correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that appear on my credit report. I have recently reviewed my credit report and identified the following inquiries as fraudulent : XXXX XXXX via dealer - XX/XX/year>XXXX XXXX XXXX - XX/XX/year> & XX/XX/year> XXXX XXXX XXXX XX/XX/year> & XX/XX/year> XXXX XXXXXXXX XXXX XXXX  XX/XX/year> XXXX of XXXX - XX/XX/year> Accurate Financial Ser - XX/XX/year>, XX/XX/year>, XX/XX/year> & XXXX I did not authorize these inquiries, nor did I have any knowledge of these entities performing a credit check. Therefore, I am requesting that these fraudulent inquiries be removed from my credit report immediately. 
Attached to this letter are copies of my credit report highlighting the disputed inquiries, as well as a copy of my government-issued ID for verification purposes. I am also including a signed FTC Identity Theft Report and a police report documenting the fraudulent activity. 
Please investigate these unauthorized inquiries and remove them from my credit report. 
Additionally, I would appreciate confirmation in writing that these inquiries have been deleted. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
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 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 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 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

Checked report and saw lots of negative items and derogatory inquiries that have no knowledge of. Tried contacting these collection agencies and debtors to no avail.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX || Date of inquiry :XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Equifaxs duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. 

Equifax is reporting an inaccurate late payment for the XXXX XXXX account " XXXX ... '' This is a 30 day late payment posted in XX/XX/2021. 

This is incorrect and supposed to be reported as PAID AS AGREED. 

Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report.

A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this, I did NOT give Equifax written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ).

It is clear that Equifax violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. 

I am trying to get business funding and this incorrect information is directly harming my ability to do so.
Product: Mortgage

My husband and I have been trying to refinance our mortgage with CALIBER HOME LOANS for over 6 months. We have had to call them several times a month to get any feedback on the loan, and we are still waiting to close this loan. At this point we don't have a close date and the paperwork we filled out at the beginning of this loan request has been refilled and our credit reports re-ran ( due to no fault of ours ). 
I am beyond frustrated as we had to pay for the home inspection and we continue to receive the run around from this company. 
I did ask in XXXX if I would have to pay another inspection fee if I pulled this loan and found another lender. I was told the paper work with with the final person before being handed over for closing. I understand COVID has affected the process but speaking with a few people connected to this loan ( outside of XXXX  has said this is way out of the norm and with my credit rating their is no reason why this loan has not been closed. 
I hope I am wrong, but the lower interest rate may be what is causing my problems. Is it wrong of me to think they have now received 6 months ( almost 7 ) months at the higher rate instead of the XXXX VA rate? I would sincerely appreciate any help you can provide as I have purchased many homes and refinanced many home loans and have never experienced anything like this.
Product: Credit card

Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. I am uncertain as to why there are reports of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, any errors should be rectifiedXXXX
Product: Credit card

First, let me start by saying your sign-up requirements are extreme. You require at least 12 characters which entirely too lengthy, plus you then on top of that ( which by the way there was no information about these requirements in the beginning process. It's as if by withholding the requirements, you were trying to discourage people from using the site ), you then require a special character. 

Now, on to my complaint. 

Company : Wells Fargo Bank Division : Credit Card Violation : Non-disclosure of payment due date Simply put, the bank does not make one aware of a payment which is due when you do online banking. I can't make it any clearer, they do not notify you. 
You have my contact information however I trust if you call me that the caller ID is shown on the screen, there are far too many solicitations which are either fraudulent or inappropriate sale calls. 
XXXX XXXX
Product: Debt collection

Account has been previously disputed documents have been asked for several times, I have not received an answer.
Product: Debt collection

Since XX/XX/2020 someone opened credit card on XXXX as my name, and bill went to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Account number : XXXX Seller : XXXX XXXX Merchant : XXXX Current Creditor : PORTFOLIO RECOVERY ASSOCIATES. Balance : {$800.00} But until recently I received this bill at my XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT THERE ARE A NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT. XXXX COLLECTIONS OPENED XXXX {$250.00} XXXX XXXX XXXX OPENED XXXX {$830.00}. INCORRECT S THESE ACCOUNTS WERE NOT MADE BY ME. PLEASE HAVE THEM REMOVED. THESE ADDRESSES ARE ALSO INCORRECT Addresses : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA , XXXX Address ID # XXXX Multifamily XXXX XXXXXXXX XXXX XXXX PA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Single family XXXX XXXX  XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX MA, XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family
Product: Credit reporting, credit repair services, or other personal consumer reports

Ability Recovery Service reported a collection for $ XXXX to the bureaus in XXXX, for a debt in XXXX. Theyre claiming I paid nothing on the debt ( taken out XX/XX/XXXX ) but state the delinquency occurred XX/XX/XXXX three years later. The document does not have a grace period of three years, so that timelines is impossible. I pointed that out ; it was not fixed. I pointed out that the original debtor had 90 days from the date of delinquency to report/sell the debt, and the collector 90 days to report it- it was not fixed. At this point, my problem is with ARS AND the credit bureaus ( mainly XXXX and XXXX ) because Ive disputed it maybe XXXX, with supporting documents, to no avail. I am entitled to be represented accurately by the bureaus, instead Ive received letters refusing to even look at my disputes- even if I did provide supporting evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Home Equity Line of Credit managed by Specialized Loan Services. In XXXX, I noticed my monthly payment scheduled for XX/XX/XXXX was not automatically withdrawn. I have a 15 days grace period and my payment was due on XX/XX/XXXX. On XX/XX/XXXX, I called Specialized Loan Services. I talked to a representative who took my payment online. Unfortunately, I later learned that this representative incorrectly applied my payment to the principal instead of taking it for my monthly payment which made my account delinquent. In XXXX, I called Specialized Loan Services and was told the mistake was on their end and they would fix it and let the credit reports now that my account was not late. In XXXX, this was still not done and I was told the same thing again. I called today and apparently this is still not fixed. My account on XXXX still shows a late payment of 30 days. This is impacting my XXXX XXXX and the company has taken more than 60 days since I first notified them of the issue. Every representative I talked to has always told me XXXX was at fault and that would be fixed but nothing happens.