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

I submitted a letter to all three credit bureaus to verify that every item on my credit report was verified by a signed contract and I requested that Experian XXXX   and XXXX submit proof that they have a signed contract on file with my signature on it to verify that these debts were mine. They told me over the phone numerous times that they dont have a signed contract on file which by law they are required to and they are required by law to furnish a copy of the signed contract for any debt on my credit report upon request I have done this 4 times and they have just disputed information and have removed the wrong items from my credit report which were reporting positively and have caused me to get sued because they arent following directions in my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against EQUIFAX. This is regarding the XXXX   ACCOUNT ref # XXXX. This account was disputed to EQUIFAX on two occasions. This items has been been disputed to other bureaus and and I also filed a complaint against them last XX/XX/XXXX, and there has been no mention of anything about their investigation on this account .They are the only credit reporting agency reporting this account. Aside from that, this account is being reported with incorrect balance, status and inaccurate payment history which violated FCRA.
Product: Credit reporting or other personal consumer reports

I looked back at my TransUnion credit report I disputed this XXXX XXXX XXXX  credit card account on XX/XX/year>. In the Fair Credit Report Act, Credit Reporting Agencies have 30 days to investigate a dispute that was requested by a consumer with accurate information if not verified the account needs to be deleted from my credit report. XXXX XX/XX/year> marks 31 days.
Product: Credit card

This credit card company has decided to raise fees after I acquired the card, without any input. They increased the interest rate as well as added a monthly fee to this card, besides the annual fee. I was not given notice and with no choice. As I spoke to a representative, he stated there is nothing I can do about it, and stated this just started XX/XX/year>, but looked back at old statements in the portal and saw this has been happening for a while.
Product: Credit reporting or other personal consumer reports

I have been disputing the following incorrect information on my credit report since XX/XX/XXXXXXXX  and yet theyre still refusing to delete them from my credit history. 

XXXX. XXXX XXXX XXXX  account # XXXX XXXX. XXXX account # XXXX XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX. XXXX XXXX account # XXXX XXXX. XXXX  XXXX account # XXXX XXXX. XXXX XXXX from XXXX is still showing up on my Transunion credit report. 

These are very old accounts and should no longer be reflecting on my credit report and my credit reports with Transunion, XXXX, and XXXX are inconsistent. 

I believe this is discrimination against me because I am an XXXX XXXX  female who is trying to achieve goals that are being hindered due to inconsistency in my credit reporting.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX Balance : {$16000.00XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts : XXXX Account # XXXX XXXX Account # : XXXX American XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX Are reporting to XXXX, TransUnion and XXXX when it is my understanding an reason to believe that because these debts were charged off that is was memorialized with a Form 1099C as proof or evidence thereof. I have a copy B of the 1099-C forms proving the debt was accepted by the IRS and discharged and that because of that fact, this debt is cancelled. According to IRS publication 4681 ( 1. ) Canceled debts, When a debt is canceled or forgiven, the amount of the canceled debt is treated as taxable income to the debtor by the IRS. Income can not be reported on consumer credit reports this indicates inaccurate reporting on these furnishers behalf and therefore is a violation of the FCRA by the furnishers to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that 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.

I demand that these accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel.

Attached you will find copy B 's of each 1099-C from each furnisher, and the IRS publication proving 1099-C 's are discharged debts and therefor income and INCOME does not get reported on consumer credit reports.
Product: Mortgage

We bought our home XXXX years ago however have made significant improvements. Based on our estimated new value, we suspect we would have hit 80 % LTV ratio on our mortgage. We submitted a request to our mortgage lender to cancel our PMI. They explained the process to use which included an appraisal at our cost and gave us the final number the appraisal would need to come in at to cancel the PMI. We signed this letter and awaited the scheduling of the appraisal from the bank. The bank then called and told us since we hit two years on our mortgage since the request, we now had a new standard of 75 % LTV ratio which now significantly increases the value we need to get on the appraisal. I ca n't find anywhere that this is normal or legal and it directly contradicts the information they gave me just weeks ago. Do I have any recourse in this situation? The bank is Everbank. We are on time for all our payments. This seems completely unfair that they can change this because now paying {$420.00} for the appraisal is a much bigger risk if we can not get the new appraisal value which they quoted us by phone ( about an XXXX increase from what they originally told us in the paperwork we signed requesting the PMI cancellation ). Also, how will I even know if I can cancel PMI if they keep changing the LTV standard???
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company PORTFOLIO account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Debt collection

I did not take any credit on my name when I Check my credit I saw credit card that was taken on my name
Product: Vehicle loan or lease

I Wrote Capital One bringing to there attention a series of actions by Capital One Auto Finance that I believe contravene several key statutory provisions, resulting in a severe impact on my ability to provide housing for my family and fulfill familial responsibilities. Specifically, these actions involve the involuntary repossession of my vehicle, the dissemination of false and deceptive information on my credit report, and violations of 15 USC 6805, 15 USC 1681, and 16 CFR 313.7.

Capital One 's purported violation of 15 USC 6805 and 15 USC 1681 is evident in the inaccurate, false, and misleading information reported on my credit report. This not only undermines the integrity of my credit profile but also constitutes a breach of statutory obligations. 

Furthermore, the reporting of the incident as a charge off is of great concern, as charge offs are considered certificates of indebtedness, triggering 1099-C ( cancellation of debt ). According to established principles, such cancellations result in income, and income can not be reported to a credit bureau. This adds a layer of complexity to the matter and further emphasizes the need for immediate resolution. 
In addition to the aforementioned violations, it appears that Capital One may have contravened 16 CFR 313.7 by engaging in practices that hinder my ability to provide a home for my family.

Moreover, the invocation of my Right to Opt Out, in accordance with the Fair Credit Reporting Act, has not yielded any response or discernible results, raising concerns about compliance with Federal Trade Commission guidelines, which mandate the dissemination of information only with explicit consumer consent. 

Notably, the Privacy Act of 1974 ( 5 U.S. Code 552a ) appears to have been violated in the process, necessitating urgent attention to rectify these matters. 

I request an expeditious and comprehensive investigation into these allegations, with a detailed response outlining the corrective actions taken. Additionally, I seek clarification on the resolution of my Right to Opt Out request. 

Immediate attention to these matters is crucial, and I anticipate a swift resolution to mitigate any further legal consequences.
Product: Credit reporting or other personal consumer reports

Please see the attached XXXX  response and remove the account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX from my credit report. The original creditor has failed to validate this account after multiple attempts from the XXXX. The collection agency that purchased the alleged debt failed to furnish something with my signature as required to prove ownership and agreement to credit or services. This document does not exist, and you need to stop reporting this account. XXXX has already deleted this account. Furthermore, under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. As a consumer by law this account must be deleted immediately, or I will seek monetary damages in small claims court in my city and state.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to TransUnion regarding two XXXX XXXX accounts that were inaccurately reported on my credit file. One account was listed as a charge-off with a balance of {$10000.00}, and the other with a balance of {$530.00}. I disputed both accounts as inaccurate and misleading. 

On XX/XX/year>, TransUnion responded stating that the accounts would remain unchanged on my credit report. However, the response provided no evidence of a reasonable reinvestigation. TransUnion did not provide any explanation, documentation, or method of verification, nor did it appear they contacted XXXXXXXX XXXX  to verify the information. 

This lack of investigation violates the Fair Credit Reporting Act, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and ensure the maximum possible accuracy of consumer credit files. I believe TransUnion merely issued a generic response without conducting the necessary steps to verify or correct the disputed information. 

I am requesting that the inaccurate XXXXXXXX XXXX entries be properly investigated and corrected or removed, and that I be provided with the method of verification used to allegedly validate the accounts.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and I request that you remove the fraudulent accounts from my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have attached my FTC reports and my driver 's license + proof of address. Kindly remove the account asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am XXXX XXXX. I am a victim of identity theft. I have listed the accounts that I did not create. This is wrong and I ask that all items be deleted. I need these items deleted. So, the correct information is listed on my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

God Bless, XXXX XXXX
Product: Mortgage

The mortgage was sold to Shellpoint Mortgage, since then the company has received funds and kept them in an unapplied payments account. After additional payments the funds are still in unapplied status. I have called and chatted multiple times and they have not fixed the issue nor have they provided a reason why the funds remain in the unapplied account. Each time they said they would resolve the issue but to date, it has not been fixed. Now I am unable to send payments as it calculates various incorrect amounts due because they will not apply the payments. 

Further, when I inquire in chat on the phone they have begun to state that they are always having technical issues and are unable to assist. This happened as recently as today. 

In addition, for the month of XX/XX/year>, they did not even generate a monthly statement. The XXXX and XXXX statements were inaccurate and improperly calculated. 

Finally, the monthly payment has not been adjusted based on the recent rate cuts. The payment total for the current month is unknown as they have failed to apply payments properly. Any new payments I make are not applied and just add to the money they are holding and refuse to apply to my amounts due.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # 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
Product: Credit card

On or around XX/XX/XXXX I contacted Navy Federal Credit union to advise them that I had just been released from the hospital after being admitted to the hospital for almost XXXX months due to my body rejecting a XXXXXXXX XXXX I also advised Navy Federal that my XXXX credit cards were being used fraudulently in XXXX and in other countries. They agreed to open an fraud investigation on my behalf, I even explained the situation with navy federal on how things had occurred. That I was trying to open my car door when my body had just shut down due to my body rejecting my XXXXXXXX XXXX The hospital is pointing the finger at the ambulance company and the ambulance company pointing the finger at the hospital. The hospital is saying I arrived VIA ambulance without any belongs ; no purse, no wallet, no ID, no Cell phone basically saying I arrived with absolutely nothing.The Ambulance is saying upon arrival to where my body was there was nothing there. No purse, wallet, no ID no documents. So, basically when my body decided to shut down someone stole my purse which had everything in it. It had my credit cards, debit card, photo ID, insurance card, cell phone, passport, money, medicines many many things to much to list. When I contacted the credit card companies and open my fraud claims I also provided them with police report number along with an detective name, address, report number and direct phone number along with his extension to where he can be reached. I have been in contacted with him on many different occasions and have never had any issues with him not answering me or calling me back most of the time whenever I have needed to speak to him and ive called his number he always answers me. What hurts me or upsets me about this situation is Navy Federal opened my fraud claim on or around XX/XX/XXXX but denied my fraud claim on XX/XX/2024 so what I am saying is not even XXXX week you did am investigation on my fraud claim and let me remind you that my credit cards were being used in XXXX and many different countries. This makes no sense to me how were you able to due a full fraud investigation that entitles different countries, along with many transactions. I am sorry to involve you in this incident but Navy Federal left me no other option. Please help me with this as this is no fault of mine and I feel that Navy Federal truly did not investigate my case. It is not feasible to do especially in less than a week time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company Is reporting late payments to credit bureaus without my consent. 

This company also have broken a law. 
15 U.S. Code 1666b I have never received a letter 21 days before due date. 
I only recieved mail telling me that I am in danger of repossession. 
Which violates law 15 U.S. code 1692j - furnishing certain deceptive forms Please remove all late payments account - ALLY FINANCIAL account number - XXXX
Product: Credit card or prepaid card

I opened a Home Depot credit card through CITI bank. Home Depot says they provide " everyday financing on purchases over {$290.00} 6 months no interest ''. After opening the account, Home Depot/CITI sent me a 10 % discount coupon. On XX/XX/XXXX, I made a purchase on my Home Depot CITI card for {$1100.00} and I used the coupon. No where on the coupon does it say that you don't receive 6 month financing if you use the coupon, and no where on the " everyday financing '' emails does it say a purchase doesn't qualify for financing if you use a coupon. 

I called CITI and requested that they allow 6 month no-interest financing on the purchase butthey said they won't budge.I asked them to point me to the terms on the coupon or the financing promotion that says " no financing if you use a coupon '' but the representative could not. I opened the account for the purpose of the financing and I used the coupon which was given to me by Home Depot/CITI after opening the account. This practice is a fraudulent trap, to give someone the coupon after opening a " no interest financing credit line '' and disallowing the financing if you use the coupon they just gave you.
Product: Debt collection

I was sued by Stenger and Stenger is XXXX for a debt to XXXX XXXX bank for a credit card. In XXXX my wages were garnished and my debt was paid. As of XX/XX/XXXX the judgement still sits on my credit as an unpaid judgement. For four years this debt has been killing my credit even though it is paid. I am now trying to buy a home and can not due to this debt not showing paid.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX
Product: Debt collection

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX  ACCNT # XXXX Bal : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I desagree with the account listed below which still appears on my credit report, even after your investigation.I would like this inmediately re-investigated.The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX In accordance with The Fair Credit Report Act. Public law 91-506, Title VI, Section 611.

Please provide the names and business adresses of each individual with whom you verified above so that I XXXX follow up. Please me an update a copy of my credit report after you investigation.
Product: Credit card or prepaid card

This company is currently showing late payment. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank/Victoria 's Secret is reporting two duplicate accounts to XXXX XXXX, and XXXX. Both accounts are in chargeoff status. It is the SAME account reporting twice to ALL THREE bureaus, impacting my credit score in extremely injurious ways as my home purchasing process was stalled as a result of the erroneous entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
The last letter I sent to the XXXX and Equifax credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$270000.00}