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

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$4000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

Ditech Financial LLC has wrongfully denied me of loss mitigation assistance.The reasons stated in their denial letter ( s ) are untrue. I have provided them with all the requested documentation to prove their reason for denial is incorrect.They have foreclosed on my home and a sale date is pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Capital One Bank Credit Card reported my account late. I have never been late because I have automation payments set up. I spoke to the company who stated they would remove it in XX/XX/XXXX as of today it still remains Account number- XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting XXXX XXXX on my credit report which is past the reporting date. The account 's first late payments were in XXXX and XXXX of XXXX and should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Agency states that my credit score is half of what the other agency says. In order to request a copy of the report I am required to send the follow per their website : Please provide the following information to request your consumer report : 1. A written request with signature that includes the following information : First name, middle name, last name, suffix ( if applicable ) Current address including ZIP code Current phone number with area code Social Security number Date of birth ( month, date and year ) 2. Copies of at least two of the verification documents listed below that substantiate the personal information that you provide as listed in Step 1 : Current state-issued drivers license or other current Government issued identification ( such as a passport ) Recent cable, utility or phone statement, produced 60 days ago or less Social Security card Birth certificate U.S. passport picture page Alien registration card Voided personal check with your current preprinted address Send your request to us at : Secured fax : ( XXXX ) XXXX Or Postal mail : SageStream , LLC Consumer Office XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX As I do not know who this is nor have I ever heard of them I do not feel comfortable sending that kind of information to them. In searching for answers I see several reviews that they are a scam and do this to keep your credit score low to get higher interest rates. There needs to be a better way to get the information they are reporting with out giving them everything to steal my identity. Also if they are a credible resource then the public should be made aware. <P/>Also, a key factor that adversely affected my score was listed as : Distance between address and area code of phone. That is just ridiculous. Why would that effect my score?
Product: Credit reporting

I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have experienced incorrect information about a bankruptcy that was submitted by someone other than myself, XXXX XXXX XXXX in my name and this information appears on my credit report I have asked all three credit bureaus to remove investigate and I never receive any response nor support. I would like for them to remove this is a deliberate action to stall and stifle my credit rights from with Section 1681 ( a ) ( 5 ) of the FCRA. The companies are Trans Union Consumer Solutions, XXXX XXXXXXXX XXXX XXXXXXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian improperly charged me {$24.00} for one month with the promise of charging each month for their stupid Premium membership. I was charged on XX/XX/2021. 
The initial purpose of my contact with this scum, was to lift a security lock in order to open a business checking account.
Product: Payday loan, title loan, personal loan, or advance loan

One main Financial I'm apart of that complaint
Product: Credit reporting or other personal consumer reports

XXXX was opened on my credit report and does not belong to me and would like this item removed immediately, i was also a victim of XXXX data XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern, This letter is to formally dispute a credit inquiry on my credit report, originating from XXXX XXXX XXXX, that I did not authorize. I did not grant permission for a credit inquiry nor do I have any account with XXXX. The alleged inquiry appears on my Equifax credit report on [ Date of XX/XX/year> ]. The inquiry is associated with XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX I believe this unauthorized inquiry is likely a form of identity theft. I request that this inquiry be immediately removed from my credit report. 


Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Every inquiry on my credit report is wrong and incorrect. Because my information has been breached with XXXX XXXX others.
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payment on XX/XX/2022 ( XXXX XXXX  ) is reporting inaccurately and must be removed immediately!
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to express my serious concern about the multiple violations that I have noticed on my consumer credit report, which have been caused by your agency. As per my understanding of FCRA 15 U.S. Code 1681n, I am entitled to monetary compensation for the damages caused by these violations. 

Upon reviewing my credit report, I noticed that your agency has furnished reports if 162 connection with credit or insurance transactions that were not initiated by me. According to the FCRA, this can only be done if I have given you authorization to do so. Since I have not authorized any such transactions, it is clear that your agency is in violation of the law. 1681i ( 5 ) removal of inaccurated credit information remove immediately XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the creditor who is reporting this information and waiting on their agreement to delete the information from my credit report. However, I would like to ensure that your agency also removes this inaccurate information from my credit report Furthermore, I would like to remind you of FCRA 15 U.S. Code 1681n ( b ), which states that a natural person can be held liable for obtaining a consumer report under false pretenses or knowingly without a permissible purpose. This can result in actual damages sustained by the consumer, which can be a minimum of {$1000.00}, whichever is greater. The court may also allow punitive damages. 

I did not initiate any of the inquiries that appear on my credit report. Therefore, I request that you send me copies of my written signature that give consent to this matter. In the absence of such evidence, I demand that you take immediate action to rectify the damages that have been caused to my credit score and remove all inaccurate information from my credit report. 

Finally, I would like to inform you that if this is not resolved, I am prepared to send this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission ). I look forward to hearing from you soon regarding this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX for violations of my rights under the Fair Credit Reporting Act ( FCRA ).

Violation of Privacy Rights ( 15 U.S.C. 1681 Section 602 ) : The FCRA stipulates that I have the right to privacy concerning my consumer credit information. XXXX has violated this right by mishandling my account information without my explicit consent.

Unlawful Re-reporting of Account Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : According to the FCRA, a consumer reporting agency can not refurnish an account without written instructions from the consumer. XXXX has failed to adhere to this regulation by re-reporting my account information without obtaining my written consent.

Improper Late Payment Reporting ( 15 U.S.C. 1666B ) : Under this provision, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if it was made in accordance with the required payment terms. XXXX has incorrectly reported my account as late, which is inaccurate and violates my rights under the FCRA.

Account Information : Creditor : XXXX Account Number : XXXX Supporting Documentation : I am prepared to provide any additional documentation required to support my complaint. Please let me know what specific information or documents you need to facilitate the resolution of this matter.

Declaration : I declare under penalty of perjury that all information provided in this complaint is true and accurate to the best of my knowledge and belief.

Thank you for your prompt attention to this matter. I look forward to your response and resolution.
Product: Debt collection

Amount {$1000.00} collection company : Oxygen XL I closed down my business in XXXX XXXX after I closed business, i got notified from the merchant company that a client disputed a charge of {$100.00}. the business was closed all workers left, i couldn't pay that back to the merchant company. 
the merchant company sent my debt to Oxygen XL collection co., i was charged {$1000.00}. 
this is incredible ripped off. 
they also sent to my credit report. the debt was from an LLC, it can't be reported to my personal credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying multiple times to dispute the erroneous items on my report but my disputes has been ignored by the Credit Reporting Agencies. I am requesting that the Credit Bureaus look into this matter as required to do so under the FCRA. If the Credit Bureaus do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. I am investigating my Credit File for proper understanding my XXXX XXXX XXXX noticed the following : 1 ) the account DPT EDXXXX XXXX Balance Owed : {$3700.00} is reporting as late when in fact I never paid late for this account ; 2 ) the account XXXXXXXX XXXX XXXX Balance Owed : {$0.00} has been paid and the balance is XXXX and yet the accounts is being reported as late ; and 3 ) I noticed that the disputed accounts report their dispute status as " Account not disputed '' even though I have been disputing this account for 6 months already. How could the Credit reporting Agencies report the status as " Account not Disputed '' when I have been disputing these accounts for a long time already? It made me wonder whether the Credit Bureaus are really contacting the Creditors or are they just making things up. As what the Credit Bureaus have responded to my CFPB Complaint via Consumer Portal, the Credit Bureaus have verified that the disputed items are accurate. It makes me doubtful of the Credit Bureaus action and I need to stop their erroneous reporting by updating the disputed accounts or completely removing the disputed accounts completely from my Credit file.
Product: Credit card or prepaid card

XX/XX/XXXX statement credit bal of XXXX was because this bank if you have autopay and have XXXX bal still takes auto pay from your ckg account. Called them they sent a ck for XXXX and also credoted my account which of course made me have bal ofvXXXX om my acct. Then my autopay was cancelled by me in XX/XX/XXXX when i found this out this basically was all goofed up so i thought i didnt have a balance was on vacation for 20ndays when i gotnhome i tried to straighten this out over phone pd bal plus late fee now they have reduced my avalable credit down to XXXX . Very unhappy with this bank and how they reduced my credit down to XXXX. And have 2 late pymnts on my record because of this mess. They sent me ck and credited my account, didnt they know this happened in their records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a monitoring service and noticed several accounts I did not open. XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. 
My husband is upset with me thinking I opened these accounts and messing up my name thus his name. He is threatening to leave me if I don't get this off my name. Please help.
Product: Credit reporting or other personal consumer reports

I have previously sent disputes requesting verification and debt validation for the item ( s ) listed below. Additionally, I have requested specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using e-OSCAR or PACER is improper validation and a violation of FCRA. The absence of method of verification and validating debt ownership via third party fails to meet the Consumer Finance Protection Bureaus ' guidelines for what constitutes proper debt validation. Additionally under FCRA 623, I am requesting investigation as to the accuracy of the records on this debt.

The FCRA requires the CRA to assure maximum possible accuracy with your credit file. [ 15 U.S.C. 16 81 e ] ( b ) " Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. How is it possible that maximum accuracy is assured when the collection agency is verifying erroneous information to the CRA through an ACDV, and hasn't provided you with proper validation of the debt?

Under 623 ( b ) ( l ), FAIR CREDIT REPORTING ACT/REGULATION V when a furnisher receives notice from a CRA that a consumer disputes the completeness or accuracy of information the furnisher provided to the CRA, it must investigate the disputed information, review all relevant information provided by the CRA, and report the results of its investigation to the CRA.

Please provide information to the following questions When was the dispute started internally at Equifax?

When was the dispute sent to the original information furnisher?

When did Equifax receive a response from the original information furnisher?

What information was sent to the original information furnisher and what detailed information was received from the original information furnisher in response to the dispute? The furnisher is required to investigate their records and ensure that they are accurate as well as Equifax is required to have an INDEPENDENT role and actively investigate a dispute and compare evidence. The case law XXXX XXXX Equifax Corporation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the judge ruled that Equifax violated XXXX Fair Credit Reporting Act by failing to compare evidence. Equifax has failed to provide an INDEPENDENT debt verification, specific method of verification, and accurate debt validation. 

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

Todays date:XX/XX/XXXX Dear Sir/Madam : I have wrote several letter of dispute I have been ignoring and the proper protocall was not used to determine my dispute reason permited by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX/XXXX Reported : XX/XX/XXXX + {$910.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the  court may allow ; and 3 ) costs of the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission. 
XXXX, XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, fl XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and disappointment regarding the denial of the Equifax Data Breach SettlemenXXXX. The repercussions of this denial not only affect the affected consumers but also raise significant questions about accountability and justice in cases of data breaches. 

I am writing to express my deep concern and disappointment regarding Equifax Data Breach Settlement, filed on XX/XX/2023 and no response as of today. Despite my clear evidence and confirmation that my personal information was impacted by the data breach, my claim was denied on the basis of not being a member. 

The Equifax Data Breach had severe consequences, resulting in the exposure of sensitive personal data, including mine, which subsequently appeared on the dark web. 

This negligence has exposed me to potential identity theft and financial risks, highlighting the substantial impact on individuals whose data was compromised. 
I firmly believe that the denial of my claim overlooks the essence of the settlement, which was intended to provide restitution to individuals whose personal information was compromised due to Equifax 's negligence. My direct exposure to the dark web due to the breach confirms the impact on my personal information. 

I appreciate your prompt attention to this matter and request a reconsideration of my claim in light of the undeniable impact the breach had on my personal information. 

Thank you for your time and consideration.
Product: Mortgage

I continue to make monthly payments and they continue to continue with foreclosure. 

see attached return payment
Product: Mortgage

I am in the process of a loan modification with PennyMac after Covid forbarance. They have sent the initial loan modification offer and the program they say it is " Veterans Administration ( VA ) Disaster Streamline Modification ''. ( You have qualified for a loan modification " Trial Plan '' under : Veterans Administration ( VA ) Disaster Streamline Modification. ) From what I saw and told them there is no program with that name. There is the VA Disaster Modification and a Streamline Modification. After about 20 minutes they still did not say what of the two programs it was but by some of the definitions they read off it seemed like a Disaster Modification. 
It seems they are being purposefully deceptive on what modification they are offerning.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Name : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX  {$410.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was unknowingly scammed and led astray out of money that I was promised
Product: Checking or savings account

I wrote a check ( XXXX ) to the XXXX XXXX XXXX XXXX XXXX$30.00} for certified marriage certificate. The funds were debited from my account against my check. XXXX XXXX has not confirmed receipt of my payment. XXXXXXXX XXXX issued a check image with missing information. The image provided by XXXXXXXX XXXX shows a JP Morgan stamp with a hand written account number. There is no other information to show date and time of deposit, no payee account number or identification and my account number as payer is missing? XXXX XXXX can not confirm if they had received the payment from me. I want JP Morgan to provide the missing information or an explanation why my check was not deposited into XXXX XXXX account? Otherwise refund my {$30.00} back into my XXXXXXXX XXXX account XXXX.