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

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am writing to request these inquiries are r emoved from my credit report. of the following information that appears on my TransUnion Consumer report. I have NEVER requested credit from the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Unions and Finance Companies Other Than Personal Finance Companies I don't recognize the following accounts in question. I'm a victim of identity theft and I don't recognize these accounts on my report. I'm requesting the following information be deleted from my Trans union report immediately!
Product: Credit reporting 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. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$1100.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX XXXX : Account Number XXXX XXXX : Balance : {$1300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$1300.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$460.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I never made an agreement with the party on my credit report, I want the account to be deleted. I sent in records and they provided, after the investigation creditor demanded payment without adequate proof.
Product: Payday loan, title loan, or personal loan

I received a loan in the amount of {$300.00} in XX/XX/2019, and I have been paying {$66.00} every 2 weeks since then, which totals 10 weeks as of today XX/XX/2019, totaling {$660.00} I have already paid them. When I made my first payment on XX/XX/2019, It showed I had a balance of {$300.00}. When I made my 2nd payment on XX/XX/2019, it showed my balance was XXXX. When I made my 3rd payment, it no longer showed me a balance. I have been paying every 2 weeks, {$66.00}, and as of right now, they are still saying my payoff balance is {$370.00}. It continues to increase as I made a payment. This was not discussed with me by anyone when I took out the loan.
Product: Debt collection

I OWE NO MONEY TO ANYONE!!!!! I'VE PUT IN COMPLAINTS BEFORE BUT THEY KEEP CALLING!!!!! STOP STOP STOP OR I'M GOING TO SUE THE PANTS OFF THIS COMPANY, NORTHLAND!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! XXXX
Product: Mortgage

Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount, they also assessed a " cushion fee '' of a few hundred dollars, which I was not allowed to pay in parts. Besides that, they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year, when a law was passed so that FHA loans would pay far less Insurance Premium, I called Regions to get a " the law is too recent and we have not established changes to procedures/PMI '', while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so, thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also, since all these charges were just too much for me, I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore, Regions has taken over 50 days to refund me the escrow account balance, due to several mistakes, sending the payment to my old address ( the house I sold ), despite my phone calls and letter mailed to them with my new address. I mailed such letter the same day the sell closing took place. 
Please investigate this mortgage company as I am sure there are plenty of mortgagee suffering because of this. Thank you.
Product: Checking or savings account

This is relating to a business account- XXXX, XXXX XXXX, and XXXX XXXX which was incorporated in XXXX under XXXX XXXX XXXX. The relevant account is a checking account ending in XXXX. 

On XXXX I discovered several declined payment emails from vendors. I logged into my account and realized I had no access to the checking account which had a balance of circa {$80000.00}. I immediately contacted the bank and I was informed that the account had been closed and no information could be provided. It was suggested to me that I contact a branch office. I quickly attended the branch closest to me, and again I was told that they could not give me information as there was no XXXX or supervisor at the branch. They were all in meetings. I was given a number to call and on that call, the representative I spoke to, advised that no information could be provided as to the reason behind the account closure, and that the bank could close my account without reason and this was based on a US Bank policy. They had decided to sever the relationship with my company. She added that a check for the balance on my account had been overnighted to me. I was confused and had no further information as to why the bank had unilaterally decided to server the relationship with a business account serving multiple employees. To date, I have received no further information, I have no access to my bank statements, and Im unable to reconcile my accounts. I had selected the paperless option and as, this was unexpected and no notice was provided to me regarding the closure of the account, I was unable to download my statements prior to account closure. This is now XXXX of my very crucial concerns. Overall, I demand more information as to the reason for the account closure, I would appreciate all of your help. 
Thank you. 
Sincerely XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the inaccurate inquiries immediately XXXX XXXX  inquiry date XX/XX/XXXX XXXX inquiry XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete all accounts and inquiries listed below from my credit file, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) due to my victimization in a recent data breach. These accounts and inquiries were opened or reported without my consent or knowledge and are the result of fraudulent activity. 
Please ensure that all of the following accounts are blocked, deleted, and marked as " fraudulent '' on my credit report : Accounts to be blocked and deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to dispute the late payment entries on my credit report as per the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), specifically referencing 15 U.S. Code 1666 ( b ) concerning billing errors.

Upon reviewing my credit report, I discovered discrepancies related to the reporting of late payments, which appear to be in violation of 15 U.S. Code 1666 ( b ) and 15 USC 1637 a ( a ). These errors include the failure of the creditor to accurately reflect payments made by me or credit issued to me within the stipulated time frame. Additionally, there are apparent computation errors or similar accounting errors made by the creditor in the statements provided.

It is imperative to note that I did not receive a statement from the creditor at least 21 days before the due date as required by law. Therefore, any reported late payments are unfounded and constitute a billing error.

I hereby demand that the creditor provides substantial evidence from their records that validates the alleged late payments. It is essential for me to be furnished with concrete proof that payments were not received within the agreed-upon time frame, as failure to do so would confirm the presence of a billing error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX keeps showing information on my credit report from Equifax and XXXX thats incorrect. I have disputed online with XXXX XXXX, Equifax and XXXX several times but each time the credit agencies dispute my information rather than investigate it and XXXX XXXX emails me that whats on the credit report is correct. They have never asked for additional information so I can prove the report is wrong. The last time I disputed information online thru XXXX XXXX was XX/XX/XXXX. They keep showing late/missed payments for XXXX XXXX but my XXXX 1st mortgage was sold to XXXX XXXX in XX/XX/XXXX. Their report shows it 's in a Chapter XXXX which it is not. The XXXX 2nd mortgage is included in my Chapter XXXX but they keep saying it also has late/missed/derogatory payments. I pay the Bankruptcy Trustee each month who distributes payments to XXXX for the 2nd mortgage, so the payments should not be reported as late. They also show that I opened the XXXX XXXX XX/XX/XXXX ... which is incorrect. XXXX sold my mortgage to XXXX in XX/XX/XXXX.  XXXX is the only mortgage I have and it is not a part of my Chapter XXXX. I pay them over the phone each month on time. The credit report shows my XXXX mortgage was closed XX/XX/XXXX. They also show the last payment I made to XXXX XXXX was XX/XX/XXXX but I have been with XXXX XXXX and have not made any payments to XXXX XXXX since XX/XX/XXXX when they sold my loan to XXXX. The XXXX loan should show as closed out as of XX/XX/XXXX. Equifax and XXXX   are also showing that I have a XXXX bankcard thats late and the last payment was XX/XX/XXXX. The XXXX bankcard is a part of the Chapter XXXX and they are responsible for making the payments since XX/XX/XXXX which was when the bankruptcy went into effect. I have documentation to show all of this if needed. Why the reporting agencies hasnt asked for proof is beyond me. With the agencies refusing to correct and update my credit report/credit score, it has caused me to either be denied for credit or pay very high rates. THIS IS UNFAIR AND THE CREDIT REPORTING AGENCIES HAVE REFUSED TO CORRECTLY INVESTIGATE THESE ISSUES AND UPDATE MY CREDIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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 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 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

To the best of my knowledge I did not authorize the following hard inquiries : - XXXX  XXXX Inquiry from XX/XX/2018 No institution information - XXXX XXXX Inquiry from XX/XX/2018 Institution Information XXXX   XXXX  XXXX XXXX, CA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX - Cbcinnovis Inquiry from XX/XX/2018 Institution Information Cbcinnovis XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A unknown suspect has been using my identity. My name and social security without my permission. When I reviewed my credit report I observed two loans ( XXXX XXXX XXXX ) and three credit cards ( XXXX XXXX  and two XXXX XXXX cards ) that I did not apply for or authorize. Also I observed two other unknown suspicious accounts. The loans, cards and two other unknown accounts were applied approximately a year ago or longer. I have took action and filed a police report with my local police department. Please remove these fraudulent unknown suspicious accounts from my report as soon as possible. 

MEDICAL DEBT XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting an unsubstantiated claim by XXXX XXXX XXXX  a collection in the amount of {$2700.00} partial account number XXXX. ( Please see page 24 of the attached credit report. ) These line items report Ownership as either Joint and/or Co-Signer. I did, in the past, co-sign for a friend on her apartment. She resided in the apartment for the one year lease term. After the initial lease term expired, I was no longer financially obligated to this lease. She decided to stay in the apartment for another year. She solely, on her own, signed the new lease. I did not sign any documentation for a new lease term. She consequently decided a short time after to vacate the premises. Now XXXX XXXX XXXX are holding me responsible for her breaking her lease. I, again, did NOT sign any documents for the new lease and I am NOT monetarily responsible for this debt. This incorrect reporting of a collection on my credit report is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX Balance : {$6300.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern The following inqueries on my credit report are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report. I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX, XXXX, A EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX RIGHT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, AZ XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is opened up in my name and signature was forged...
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX of the people affected by the recent Equifax hack, and I want to file a formal complaint against the company for not only jeopardizing my information but failing to report the leak for several months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is falsely reporting a high balance on my credit report. I had a vehicle with them opened in XXXX of 2015 for approximately $ 12K. I voluntarily surrendered this vehicle and the remaining balance is $ XXXX after the sale of the vehicle. My equifax credit report shows the accurate $ XXXX tradekime but tally also added another $ XXXX tradeline onto my equifax credit report. It goes without saying that this is negatively impacting my credit score. This trade shows a term of one month, no payment history, and also that it was charged off. I have tried to contact XXXX XXXX XXXX to update my credit report removing this negative information to no avail. Please help.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Ive sent numerous certified letters over the last 18 months! Nothing has been done! I've sent in everything that was asked of me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX card that was serviced by XXXX XXXX it was charged off XX/XX/XXXX. I have disputed this numerous times with all three credit bureaus and XXXX XXXX. The payment history is not accuracy. It shows no data until the charge off on XX/XX/XXXX then shows current on XX/XX/XXXX and XX/XX/XXXX. Then no data after that. This whole account needs to be deleted from credit reports due to none of my on time payments being posted. Also does not have exact charge off date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing recent hard inquiries that I am not familiar with.I believe someone may have made these inquiries without my consent.
Product: Debt collection

XXXX sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from XXXX what a did receive was a letter and copies of statements but no contract with my signature. XXXX now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.