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

I received two crowdfunded loans from Prosper Marketplace, the first for {$12000.00} in XX/XX/XXXX and the second for XXXX in XX/XX/XXXX. A XXXX diagnosis and divorce forced me to default on both loans in XX/XX/XXXX. Prosper charged off both loans in XX/XX/XXXX with charged-off amounts of {$13000.00} and {$7900.00}. 

Five years later they increased the balances and reported such to the credit reporting agencies. The first loan balance was increased to {$18000.00} with the second increasing to {$10000.00}. The increases were first reported in XX/XX/XXXX. I contacted Prosper to inquire why they would increase balances on six-year old charged off accounts. I took the position that the increases were improper and that they had not made any attempts to collect the debt. They referred me to their third party collections company. 

I contacted the collections company and a representative informed me that not only did they not have my account, they also don't report any information to the credit reporting agencies. They referred me back to Prosper 's in-house collections unit. 

I contacted Prosper again. They also could not locate my account and could not advise why the balances were increased.

I never received a follow up call from Prosper, the balances, however, were returned to the original amounts in XX/XX/XXXX. Then a month later the balance were AGAIN increased. At that time Prosper also updated the second loan to indicate that they account had been closed as of XX/XX/XXXX, four-plus years AFTER the account was charged-off. 

I view these actions to be malicious with clear premeditated intent to damage my credit rating by unlawfully increasing balances, changing the 'closed ' date of the account, adding payment history where there was previously none, and updating the accounts monthly to hold down my scores.
Product: Credit reporting or other personal consumer reports

Trying to apply for financing and the application is getting rejected because Experian is reporting that the credit report is locked or missing. I have already unlocked my account with Experian and every time I log in it says that its no longer frozen and is available. However the applications still keep getting rejected. When I tried to call Experian for assistance, their automated system keeps hanging up on me after saying that it " can not transfer you to a support representative '.
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. 

Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : 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 or other personal consumer reports

In accordance with The Fair Credit Reporting Act, the list of accounts below have violated my federally protected rights to privacy & confidentiality under 15 U.S.C. 1681. 
I requested that XXXX, Equifax, and XXXX to investigate 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  ( {$7400.00} ). 
All three consumer reporting agencies stated that everything was complete and accurate, but I have evidence from Identity IQ that almost every open date, date of last activity, balances and so much more are completely inaccurate. I have provided documentation from Identity IQ Credit Reporting- revealing all incorrect reports. According to 15 U.S.C. 1681i ( 5 ) The Bureau 's ' are supposed to modify or delete accounts that are not reported correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan was transferred to USA Funds in XXXX from XXXX. on XX/XX/XXXX, USA Funds reported to the credit bureaus that my loans " ACCOUNT PAID IN FULL '' with a {$0.00} balance ... But continued to report a COL code on the loan following it being paid in full. Now they have transferred this same loan to a new company and are giving me the run around, even though I have provided copies of my credit reports showing where THEY reported the loan PAID IN FULL and closed as of XX/XX/XXXX. They have continued to take money from me, both from my pay checks AND my Federal taxes. NO one will listen and this needs to be taken care of and the money taken after the paid in full date of XX/XX/XXXX needs to be returned!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX was denied stating that : " Based on you r application information, application submitted is incomplete or can not be verified. '' XXXX Equifax XXXX Relations : Time since most recent account opening is too short. ( I was approved for a XXXX XXXX XXXX XXXX without issue {$1500.00} XXXX XXXX which is being managed appropriately ). 

Number of accounts with delinquency. ( I have no accounts with delinquency and have a 100 % perfect payment record ) Proportion of balances to credit limits too high on bank revolving or other revolving accounts. ( I am using between 10 - 25 % Credit limit way below 30 % ) Time since delinquency is too recent or unknown. ( There is no delinquency )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

XXXX XXXXXXXX XXXX Validate Account XXXX XXXXXXXX Validate Account XXXX XXXX XXXX Validate Account XXXXXXXX XXXX XXXXXXXX Cancel contract. Please provide the original contract or delete XXXX Validate Account XXXX XXXXXXXX XXXX XXXX Validate Account * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 

In accordance with the fair credit reporting act convergent account Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A auto loan account on my credit was charged off by the lender XXXX XXXX as a loss write off but is still on my credit reporting negatively. Also the payment history information in inaccurate. The lender XXXX XXXX has not sent me a 1099C form as since the account was a loss then it will be income to me for tax purposes.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am following up on the complaints I submitted regarding discrepancies in my credit report. To date, I have not received any updates or communication regarding the resolution of these disputes with the credit bureaus. While I understand that investigations can take time, I would appreciate an update on the current status and any progress made in addressing the issues I previously outlined. 

Below are the specific items I am requesting to be removed from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 was a victim of identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 1. XXXX XXXX XXXX - XXXX XXXX, XXXX  XXXX. XXXX XXXX XXXX - XXXX XXXX, XXXX
Product: Mortgage

We refinanced our home a few years ago with XXXX XXXX. Eventually, our loan was purchased by a debt collection company, Lakeview Loan Servicing , LLC, based out of XXXX  XXXX, VA. Because our loan isn't serviced by a major bank, nor is it one of the types of loans specified as eligible for deferments during the pandemic, Lakeview is only offering forbearance plans. 

On XX/XX/XXXX of this year, I phoned their customer service and asked if I could learn more about the forbearance plans they offered. I confirmed I wasn't asking to enter one of the plans at that time. I merely wanted to talk to someone about them. I was told I would hear back from someone in their mitigation department within 5-7 business days. No one ever called, or attempted to call, according to my phone log. 

I have auto-draft, so the mortgage payment is normally taken out of my bank account on the 1st day of each month. In XXXX, no auto-draft took place. When I called Lakeview on XX/XX/XXXX, I asked what was going on. They informed me THEY had disconnected the auto-pay and placed me in a forbearance plan. I told them I had never agreed to either of their actions, nor had I ever heard back from anyone when I had inquired about it. They checked their logs and admitted this was true ( my wife and I recorded this phone call ). 

In the XX/XX/XXXX call, I asked that they reinstate the auto-draft. They said they would, and that the payment should be taken out on the XXXX or XXXX ( the date I wrote this ). Today, XX/XX/XXXX, I went to their website and it indicated auto-draft was never reinstated, so I manually made a payment on the site so we would be current for XXXX. 

In reading comments about Lakeview, their forbearance plans are such that if, say you didn't pay for 6 months because of loss of work due to the pandemic, you would owe the entire amount for those 6 months once that period is up. In light of current circumstances, many people will struggle to keep their mortgages current one month at a time, and very likely won't have the total of 6 months ' worth of payments when that period is up. When people can't pay at the end of the forbearance plan, their credit scores are trashed and their homes likely will go into foreclosure anyway. 

There are still homeowners who do not have the protection of deferred payments, either because of their type of loan, or which outlet is servicing it. Lakeview isn't required to offer deferments, so they aren't. Instead, they are placing people into forbearance plans that will often cost them their homes anyway. On top of that, in my case, they did so without my knowledge or permission. 

They appear to be a predatory debt collector, and I would like them warned, investigated and sited. Doing business in California is a privilege. Doing it honorably is an obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple items on my credit report that have not been validated or verified properly as my debt. I have since contacted the credit bureau various times starting from XX/XX/2018 to verify and correct the items on my report. Since then I have received letters saying that the debts have been verified without providing any proof of these debts. With this complaint I have uploaded and included the credit bureaus response as proof that they did not follow the law and provide ANY verifiable proof showing who and how these debts were verified. Nor were ANY signed documents provided which the credit bureau must have on file and be ready to furnish to be able to legally report items on a credit report.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract of all accounts posted on my credit report. Given the fact that anyone paying for reporting services could fax, mail or email in a fraudulent account. I have requested to physically see Verifiable Proof ( an original Consumer Contract with my Signature on it ). Which my request has since been ignored by a company that is supposed to uphold the law. The credit bureau has instead decided to not verify these accounts, only to send a dispute status without verifiable proof of their investigation which by law I am allowed. Which the document I included shows as proof the law was NOT followed nor any verifiable proof was provided. Given the credit bureau did not follow the law Section 609 ( a ) ( 1 ) ( A ) and the rules of the FCRA nor provide physical proof any debts. I am requesting the items below be deleted and then corrected on my credit report before certain litigation in court is proceeded.

Creditor 1 - 09 XXXX  XXXX Unverified Account, Creditor 2- XXXX XXXX XXXX XXXX , Unverified Account, Creditor 3 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 4 - XXXX & XXXX XXXX Unverified Account, Creditor 5 - XXXX XXXX XXXX XXXX Unverified Account, Creditor 06 - XXXX XXXX Unverified Account, Creditor 7 - XXXX Unverified Account, Creditor 8 - XXXX XXXX Unverified Account, Creditor 9 - XXXX XXXX XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX we received a Loan Estimate where it had a CITI credit card reporting under the Liabilities. It shows there's a balance of {$510.00} with a monthly payment of {$54.00}. I contacted our lender and she said it may not be fraud since sometimes people have a credit card for Costco, Home Depot, etc... She called on XX/XX/XXXX to go over the loan estimate and the details of the Liability portion. She gave me a phone number to call ( XXXX ) XXXX and right away it said it was for a Costco Anywhere Visa Card. On the report it only has 12 numbers for a credit card, not 16. I entered my social and the 12 digits for the credit card that was on the report and nothing came up. I then was transferred to an agent and could he could not find anything under my social, name, or 12 digits of the credit card. I contacted the loan officer and she informed me that it was opened in XX/XX/2022, it's only reporting under my social, and there is a balance. I relayed this information to the agent and he transferred me to CITI credit card. After we explained the situation again they transferred me back to Costco Credit card because of the numbers it began with are for Costco credit cards not a regular CITI credit card. Once they transferred me I asked to speak to a manager and the lady asked why I needed a manager and she needed the information to be able to transfer me. I explained again and she told me she would get a hold of their Fraud Department and ask for guidance. She came back on the line and said to pull a credit report and dispute the CITI credit card and that there was nothing they could do on their end.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry on my Experian credit report from XXXX XXXX XXXX on XX/XX/ that I did not authorize, nor do I know who the merchant is.
Product: Credit reporting or other personal consumer reports

All these companies reported Inquires and Incorrect Information ( 15 USC 1681 ) to TransUnion, XXXX, XXXX : XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a closed account listed as XXXX for {$9100.00} which says Charged Off and that is a " certificate of indebtedness '' which is considered income, and income can't be reported. TransUnion has a closed account listed by XXXX XXXX XXXX  for {$25000.00} and late 60 days. TransUnion XXXX XXXX have a closed account listed by XXXX XXXX for {$390.00}. TransUnion has a closed account listed by XXXX XXXX XXXX for {$8500.00} and 30 days late. TransUnion, XXXX, and XXXX have a closed account listed by XXXX XXXX XXXX for {$250.00}. TransUnion and XXXX have a Charged Off account " certificate of indebtedness '' " Income '' listed by XXXXXXXX XXXX XXXX  XXXX for {$7300.00} reported twice. XXXX has a closed account listed by XXXX XXXX for {$15000.00}. TransUnion has a closed account listed by XXXX XXXX for {$27000.00}. XXXX has a closed account listed by XXXX XXXX for {$27000.00}. TransUnion, XXXX, XXXX have XXXX XXXX XXXX XXXX 's listed for {$210.00}, {$2300.00}, {$530.00}, {$1600.00}, {$1800.00}, which are all illegal to report.
Product: Credit reporting or other personal consumer reports

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-C cancelation of debt from the following charged off accounts below. WESTLAKE FINACIAL SVC XXXX After checking my most current report the updated information stated the account was purchased by XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. please send 1099-C form.
Product: Debt collection

Equifax XXXX - you removed XXXX  XXXX from the report { was reading { XXXX XXXX } No response from XXXX  XXXX sense I started disputing this 6 months ago please explain why XXXX XXXX was removed from report I have sent you evidence that XXXX has no factual evidence that this account is mine or made by me it is a case of fraud in 2014 enclosed are incoming and outgoing responses to this matter, it is clearly visible that XXXX  XXXX refused to respond and there is No evidence this was made by me. You Equifax keep claiming its been updated with old information and have not did an investigation as you claim has been done, You state if the information can not be verifiyed it is removed this is the evidence enclosed its not my account I never made it and it was fraud. Under the FCRA this should of been removed a long time ago Please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with the Credit companies to get this remove and its been over 60 days
Product: Debt collection

Due to Covid-19 travel restrictions I did not pay a credit, and the debt was sent to collection. A soon as I was able to come back to XXXX I sent a check from my personal checking account fo {$340.00}, 100 % of all the debt that actually was less that {$150.00}. The check was cashed by the debt collector, Midland Credit Management, on XX/XX/2021. However, they keep calling, sending me letters of collection and adding interest and late fees to the debt. 
I have tried many times and different ways to make them correct their mistake. I called them, I sent 3 letters to them including a copy of the cashed check, but they keep calling and they sent me a letter that their records are correct and that I still owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Bank of America, who is falsely reporting my account : 1. They are falsely reporting that I made {$500.00} payments onXX/XX/XXXX andXX/XX/XXXXto account # XXXX to re-age the account. No payments were made.

2. They are falsely reporting an account number that I never had.

3. They are reporting the date of last payment as XX/XX/XXXX, yet report the date of first delinquency asXX/XX/XXXX, which is false and in an effort to keep negative information on my CR longer.

4. They are falsely reporting that this account meets FCRA requirements in the remarks section. The FCRA does not allow Bank of America to make false statements.

5. In XX/XX/XXXX, they reported the debt through form XXXX using the original account number and a different balance. Balance was incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

I, XXXX XXXX, ( XXXX ) XXXX, have a complaint on record with C.F.P.B., on Selene Finance, LP. THIS IS NOT A DUPLICATE. This SEPARATE COMPLAINT involves Selene Finance letter dated XXXX XXXX, 2017, addressed to C.F.P.B. the second page under " Enclosures '' fraudulently states the following : " Note '', " Deed of Trust '', " Notice of Assignment, Sale or Transfer of Servicing Rights ''. All of which DOES NOT EXISTS. <P/>Please create a separate complaint against Selene Finance & research specialist- XXXX XXXX . <P/>Thank you, XXXX XXXX XXXX
Product: Student loan

XX/XX/2018 I was in contact with Discover for a student loan. I did not create an account with their company.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated with the ongoing inaccuracy in my credit report. The accounts in pending litigation have no place on my report, and Ive contacted you multiple times, yet no action has been taken.