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

To Whom It May Concern, I am Disputing The charge-off account listed by XXXX XXXX XXXX should not reflect as my liability since I was not the original requestor of the credit but rather the guarantor. 

Charge Offs are income and I should have received the XXXX or XXXX cancelation of debt form, that I NEVER received which is a blatant violation and MUST be removed. 

Congress passed the FCRA law no income can be reported on your consumer credit reports ( USC 1681 ( 2 ) ( a ) ( i ) no transactions or experiences can be reported. I

ncome is transactions and experience.

I want Explicit documentation that TransUnion investigated this matter thoroughly and provide me with documentation to support this. Per 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and proper attribution of debt. Reporting this charge-off under my name misrepresents the nature of my obligation.

I also want explicit proof and documentation of the charge off from the company as well as the 1099C or 1099A- cancelation of debt form Effective immediately I expect that the status and all reporting on this account associated with XXXX XXXX XXXX be removed from my credit report.
Product: Student loan

Information that was not told to me before the student loan consolidation took took place.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. 
ACCOUNTS : XXXX XXXX - Account number - XXXXXXXX XXXX XXXXXXXX - Account number XXXXXXXX XXXX XXXX XXXX XXXX  Account number - XXXX XXXX XXXX - Account number - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Account number - XXXX XXXX XXXX Important dates Inquiry date XX/XX/year> 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Debt collection

Focus Receivables Management keeps calling my cell phone number, when I call I get a person who can not even speak clear XXXX. I tell them I am not receiving letters from them, so obviously I do not owe them any money. They insist I am the person owing money. I have no debts to them.
Product: Debt collection

Portfolio Recovery has been harassing me and showing inaccurate information on my Credit report. I've sent sevral letters to dispute this error situation but they continue to report the wrong information! XXXX amount they say I owe {$2700.00} on XX/XX/XXXX, XXXX another amount they say I owe {$2700.00} on XX/XX/2017 and on another amount of {$2300.00} on XX/XX/2017. Portfolio recovery has been reporting information and is trying to collect1
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each company listed below as well as Experian, XXXX, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
8. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

i had insurance to cover a medical bill from this company covered through medicaid for my daughter. I should have never had this bill submitted through the credit reporting agency as my daughter had insurance covered through me at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent accounts in my report, I have reported it to the bureaus, but I did not see receive any response. The accounts are damaging my credit and limiting my ability to obtain XXXX.
Product: Credit reporting or other personal consumer reports

My information was exposed from A data breach and I FTC complaint was filed ref number : XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXXXXXX Balance XXXXXXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$7500.00} from my report. As of this date, Experian, XXXX and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law
Product: Mortgage

I applied for a new jumbo mortgage with CIT Bank/One West Bank. A loan officer represented me with CIT - XXXX XXXX - XXXX, XXXX. 
The new mortgage required a downpayment of 20 % which I agreed to do. I was given a pre-commitment letter for the full amount of mortgage requested - $ XXXX and all the information that bank had requested - tax returns, pay stubs, bank accounts, etc. The bank ran credit reports - my FICO score is at least XXXX, with no foreclosures or forebearances. I am also the CEO of a public company - my compensation arrangements are fully disclosed. The loan officer submitted the files and believed that given my income ( well in excess of mortgage payment requested ) and all other credit information, there shouldn't be a problem. Underwriting told the loan officer that the mortgage would be denied unless I could provide documentation that I had three years of future income. Aside from this requirement being virtually impossible to fulfil, it was never part of the underwriting requirements disclosed initially. I did receive the bank 's statement indicating credit denial - the only item checked was " unable to verify income ''. This statement is entirely inaccurate given their statement presented to me to qualify for a mortgage and the information I provided. I am XXXX years old, and XXXX. The three year forward income assurance is a red herring that masks the real reason they denied me credit. Please investigate, as this is inequitable and inconsistent with the information they required. Furthermore, their request is completely outrageous, especially considering that I was going to put an increased amount of down payment towards the purchase ( 20 % ). They did not provide any alternative to the mortgage they were going to offer. Please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX account I moved from one address to another address in my new address i never got service they billed me i spoke to them 3 times first 2 times they said that's their problem they will fix it I don't owe anything. Just to day they report to the credit report that I owe {$100.00} which is their fault now my credit report went down because of their fault
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts are out of compliance : XXXX XXXX XXXX  XXXX : Account # XXXX | Account History Invalid - No Consent Given. 
Extra Credit Card : Account # XXXX | XX/XX/2022 - Inaccurate Payment History. ( This payment was not missed. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account # XXXX | Account History Invalid - No Consent to report given. 
XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX | Account Payment history invalid - No written consent given - Account Paid in full Invalid Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - The aforementioned accounts and creditors have violated my rights. 

According to 15 U.S.C 1681 section, 602 A. States : " I have the right to privacy. '' Additionally, 15 U.S.C 1681 section 604 A Section 2 : states " a consumer reporting agency can not furnish an account without my explicit written instruction. '' 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

I received a hard credit inquiry on my Experian Credit Report from a Payday Loan company called " XXXX XXXX '' and I did not apply for a loan with this company. I called the company to report the fraudulent credit inquiry and have not received any response in over 24 hours. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, UT XXXX. I am not the first person to report this type of fraudulent activity from this company as I 've seen other complaints online ( and XXXX that was resolved on this site ) as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraud account showing up on my experian report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XX/XX/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 XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am so stressed that transunion reports false information on my credit report. They are failing to act and respond. they are breaking the law
Product: Student loan

I've filed several disputes and currently XXXX XXXX XXXX have taken the case to resolve illegal loans. My student loan is already forgiven under the XXXX program and already met the 10 year requirement. The company has mismanaged these loans intentionally. They have sent payments to other loan holders, repeatedly lied, lost all my documents including my original documents, hung up Everytime I called, discriminated against me, and told me off in a email when I asked for this to be fixed. Since I have XXXX XXXX XXXX dealing with it they fixed a few of the issues but have just stonewalled me and the thousands other people in limbo in the XXXX in XXXX  The XXXX office have been able to get more documents that has exposed that there has been fraud of federal loans and working on fixing this. 

I'm filing another complaint because instead of finalizing the forgiveness that should have been done under myfedloan and MOLEHA they instead added XXXX loans to my credit report. XXXX loans!! So instead of claiming I owe XXXX they claim I owe XXXX when that is wildly off. I've called a bunch of times and just get hanged up on after waiting hours. 

What I would like is for the credit agencies to remove both illegal loans. I want the XXXX paperwork to be processed which it's clear they are intentionally violating federal law and engaging in fraud. If this isn't fixed I think MOLEHA should be fined billions of dollars and all staffers should be under criminal investigation by the federal government.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting my complaint and therefore I demand the immediate removal of inaccurate informations in my file. I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing and I have been disputing fraud accounts on my credit report all this time. The fraudulent accounts must be REMOVED from my credit file. Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items needs to remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 formally address a violation of the Fair Credit Reporting Act ( FCRA ) and to highlight specific inaccuracies in how COMENITY BANK has reported my account to the credit bureaus XXXX and XXXX. These actions breach FCRA sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting of information and reasonable investigation of disputes. This company has several class-action lawsuits against it for predatory and immoral practices ( ex. XXXX XXXX. XXXX ). I believe I am a victim of such predatory practices, and demand this account to be removed immediately. Moreover, the account status have not been updated to reflect the payment accurately, as required under FCRA Section 623 ( a ) ( 1 ) ( A ), which mandates that information provided to credit bureaus be accurate and truthful. COMENITY BANK has also reported inconsistent and inaccurate information to XXXX and XXXX regarding this account. Specifically, the account status is reported as " Paid as agreed '' on XXXX, and " Legally Paid for Less than the full balance '' on XXXX. Also, the last payment date is reported as XX/XX/year> on XXXX, and XX/XX/year> on XXXX.The account status is " Open '' on XXXX, yet " Closed '' on XXXX, and there are several other inconsistencies as well. XXXX has already removed the account due to these inaccuracies. Despite multiple disputes, both credit bureaus continue to report this inaccurate information, indicating COMENITY BANK has failed to fulfill its obligations under FCRA Section 623 ( b ), which requires a reasonable investigation of disputes and the correction of errors. These actions have caused significant harm to my financial well-being and creditworthiness. The inaccurate and unfair reporting on my credit profile directly impacts my ability to access financial opportunities and has created unnecessary stress. As a consumer, I have the right under FCRA to dispute any inaccuracies on my credit report and expect them to be corrected.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address multiple serious issues with your handling of an account under my name. Specifically, 30-day late payments were reported for XX/XX/year> and XX/XX/year>, despite protections under the CARES Act, which prohibit the reporting of late payments during that period. 

Additionally, the account was paid after repossession, but I have not received the required 1099-C form for debt forgiveness reporting. Failure to provide this form constitutes tax fraud under IRS regulations, as the 1099-C is mandatory for settled or forgiven debts. 

I also have reason to believe that the repossession was not conducted in accordance with the Uniform Commercial Code ( UCC ). I reserve the right to seek damages from all involved parties under all available state and federal laws, including UCC 9-625 remedies.

Under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681e ( b ), you are required to ensure that all information reported to credit bureaus is 100 % accurate. This account, as currently reported, does not meet that standard. Therefore, I am demanding the immediate removal of the inaccurate payment history from my credit report. 

If the inaccurate information is not corrected or removed within 21 days, I will pursue legal action to enforce my rights under the FCRA and FDCPA, including seeking damages for non-compliance. 

If the incorrect information is not corrected or removed within 21 days, I will pursue legal action to protect my rights under the FCRA and FDCPA, including seeking damages for non-compliance.
Product: Credit reporting

Equifax sent me a letter saying I need to provide driver 's license information, SS stub, copy of social security card, utility bill with current address. 

Most importantly they have my the middle initial of my name wrong on the letter to me. When I submitted the form for free credit report my application information was all correct including my name which Equifax got wrong. 

I am not submitting additional information to Equifax since they did not record my name correctly using the wrong middle initial. Besides, both XXXX and XXXX did not request additional information to receive a credit report which is useless to me because it did not contain information about my credit but included information on a credit card provided to me as a courtesy from a family member which I rarely use.