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

Please see attachments that are included in this complaint. My rights as a protected consumer under 15 usc 1681b and 15 usc 1681 ( 2 ) ( A ) ( i ) are still being violated with request from each credit reporting agency ( Experian, XXXX, XXXX ) to provide precise documentation on how these accounts were verified. Understanding my rights as a consumer, The accounts specified in this complaint are now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The reporting of these accounts as a debt is inaccurate and MUST be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bureau just keeps lying in their responses to you. They say they're going to do something, then when I run my credit I find out they either made more errors or never corrected the items. So they send me their version of a fake report claiming to have made corrections but didn't in reality. So when I run my reports monthly is when I find the errors are still there or worse! I am demanding the information below be removed per my last few complaints to the CFPB that remain in error! If they don't do it right this time they'll be staring down a civil law suit! No one can be this XXXX! But they seem to be! This is why they should not be trusted to handle any consumer information, they're constantly screwing up! 

1. XXXX still remains on my report as an employer when I haven't worked there in XXXX  years! I'm tired of demanding it be removed! Remove it or I sue! 
2. They deleted my current street address ( XXXX ) from the report & replaced it with a XXXX  that I never had! XXXX XXXX & XXXX are current! See attached. Fix it now or I sue! 
3. They " added '' an address that is NOT MINE to my report! See attached. I got a notice from my credit monitoring service recently & now this is on my credit as a " previous '' address when it was NEVER my address! I've only had XXXX XXXX in UT! Remove it or I sue! 
4. XXXX XXXX XXXXXXXX - comments about my having disputed this account when I NEVER DID & demanded numerous times it be removed, remains on my report! If they can't fix it then they need to permanently delete the account BY LAW since they keep screwing this up! I never disputed the account so they either remove the comments or permanently delete the account per the law! See attached. If it shows back up I will sue!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit report per TransUnion. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a FTC report because I found inaccurate accounts on my credit report and nobody is helping me.
Product: Credit reporting

My legal name was not documented or mistakenly written. Instead of XXXX XXXX, they have it as XXXX XXXX XXXX. Basically, I do not have a middle initial
Product: Debt collection

National Check Resolution Inc. contacted me by phone last year in XX/XX/XXXX and told me I owe money from an account from a loan or credit card company and I told them I will send {$250.00} on XX/XX/XXXX and {$150.00} for 11 months and then {$21.00} for the last payment. When they contacted me I panicked and agreed to it without getting this debt validated. So far I paid over {$800.00} and when I started researching credit articles I saw that if I was unsure that I can request verification and validation of the debt that is being collected. On XX/XX/XXXX I contacted the credit bureaus and ask for them to verify the debt however this company was listed on my credit reports. On XX/XX/XXXX, XX/XX/XXXX and today XX/XX/XXXX I've asked National Check Resolution to validate the debt and so far they have failed to do so. I also phoned them today and asked them to take {$220.00} to leave me alone and stop deducting money out of my checking account. I spoke with XXXX who said he would ruin my credit and hung up on me.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$710.00} XXXX XXXX Balance {$100.00}
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I was trying to make a purchase on XXXX and was presented an offer to pay for my purchase through the Apple Card by Goldman Sachs, the offer stated " Apply and use right away. '' and " See if you're approved in as little as a minute with no impact to your credit score. '' I submitted my application and provided pictures of my drivers license per the request, but did not get an approval response in minutes, and still do not have a response 4 days later. 

I received an email Friday XX/XX/XXXX saying it was not approved because they could not verify my identification information, but if I believe this to be an error to return to the application and reapply. I did return to the application, I reapplied and since Friday evening it says my Apple Card application is currently under review, and they will send me an update when there is one to send. They indicate they will call me, email me, text me, or send a push notification, but I have received no updates in 4 days. 

I called on Friday to clarify that my second application went through, and they confirmed it did. I called on Saturday XX/XX/XXXX for an update and the agent only could say it was under review. I called on Monday XX/XX/XXXX and was told that on Saturday it " seemed to clear the verification but was still under review. '' It is now Tuesday the XXXX, 4 days after my application and I have not received a response on my application in minutes, hours, or even days. 

This is a clear UDAAP violation where it was advertising the cash back savings I would get by applying for and using this card for my purchase, but Goldman Sachs has failed to meet its commitment in its processing time. At this point I will be required to pay for expedited shipping to receive the computer for my daughter in time for school to start. So not only have I not received a response, my cost of this purchase has increased due to the delay in processing.
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will report XXXX  XXXX XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, TransUnion, and XXXX to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS. 

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate. 

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies. 

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX  XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave rhino motors my information. Then after discussing I decided I would go through my bank. They ran my credit the next week even though I asked them not to.Then they shared my information and someone else ran it.
Product: Debt collection

I am submitting a complaint about several collection agency that is continuously reporting false information on my credit report. I have tried reaching out to the creditors and the credit bureaus several times, I have also disputed the inaccurate debt with the credit bureaus. The collection agency do not have the proper paperwork that this debt is mine and/or that the debt has been paid off. The collection agency Convergent Outsourcing inc that states I owe XXXX $ XXXXThis reporting is not accurate this was paid in full and/or I returned cell phone to XXXX by mail in lieu of paid in full.
Product: Mortgage

Caliber Home Loan, my mortgage servicer, continues to call me everyday but refuse to tell me what it is about. The agent asked for my social security number and address and I refused based on the ground they called me and I have no way of knowing if they are identify thief. I asked for email or direct mail to detail the matter they would like to discuss but they simply say the phone call will continue. My mortgage is current. Please make Caliber stop calling me.
Product: Student loan

I applied for refinance of my student loan. The original lender is XXXX XXXX. The new bank completing the refinance is Citizens. Citizens calculated the pay off amount on their own by adding one month payment and 60 days of interest to the amount shown on the most recent bank statement. They did not call XXXX XXXX for a 10 day payoff amount. After they paid the loan to XXXX XXXX there was remaining amount of about {$1600.00} which is continuing to increase because the XXXX XXXX loan interest accrues daily. Is Citizen 's bank allowed to calculate the payoff amount on their own without consulting XXXX XXXX.
Product: Mortgage

This is my 3rd attempt. I have been trying to find an affordable option since XX/XX/year>. Please see my last submissions to you. They are DUAL TRACKING and are foreclosing on our home while keeping our hopes alive of a loan modification or forbearance. 

I am actually in the process of pulling $ out of my wife 's XXXX to pay back the past due amount but I had a sheriff come to the house this past Saturday and then the attorney who I attempted to call last week ( no answer ) sent a letter certified this week. 

I would rather get caught up to stop the foreclosure and then enter into a 3 month forberance plan to help us out. But this company, Shellpoint, has been stringing me along for 9 months and every time i send in all the required docs then they ask me to send in more. It is a vicious cycle
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XXXX XXXX XXXX has provided an email dated XX/XX/2020. In this email XXXX XXXX   XXXX has agreed to refund my account for {$3200.00}. This was sent into Fidelity Credit CardXXXXElan Financial. The representative closed the case and the merchant is now not crediting the card back. Fidelity advised me that the credit would be done. In addition, Fidelity had permission to record calls for quality purposes not as a agreement from me as California requires two party consent to record any calls. This was not granted. I have been clear that I didn't ask for the problem to closed out rather that I be credited what the merchant agreed.

Fidelity has violated the state law and based on your response I will submit it to the attorney General of California as it is my right to not permit recordings of my calls. The recording said for improvement purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am expressing my frustration and concern regarding the lack of communication from Equifax regarding my claim ( Claim number : XXXX ) for the recent data breach. I filled out the claims form several weeks ago and have yet to receive any updates or confirmation on the status of my claim. I mailed it out XX/XX/XXXX and it was received on XX/XX/XXXX which is where I got the Claim number from. 

As a customer who has been affected by the data breach, I am deeply concerned about the safety and security of my personal information. I am seeking reassurance that my claim is being processed and that my personal information is being protected. 

Furthermore, I have requested reimbursement for damages caused by the data breach, and I have stated that the amount of reimbursement I am seeking is {$20000.00}. However, I have not received any confirmation that my claim has been received or any updates on the status of my claim. I have documented over XXXX in losses to date and probably missed more than I added. 

The breach has caused significant financial and emotional distress for me. I have spent countless hours trying to mitigate the effects of the breach, including monitoring my credit reports and accounts, changing passwords, and notifying my bank and credit card companies. In addition, I have incurred expenses related to credit monitoring services, identity theft insurance, and other fees. 

I urge you to take immediate action to address this situation and ensure that I am protected from future data breaches. I would appreciate your prompt attention to this matter and an update on the status of my claim ( XXXX ) as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to, authorize nor benefit from any of the following inquiries, Block and remove them immediately this my third complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name : XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX/Account # XXXX XXXX Account name : XXXX XXXX/Account # XXXX, Account name : XXXX XXXXXXXX XXXX/Account # XXXX, Account Name XXXX XXXX XXXX XXXX/Account # XXXX, has violated my rights 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.
Product: Checking or savings account

WSFS Bank charged me in excess of {$400.00} overdraft and NSF fees which caused me to pay over {$900.00} on a closed account over a season of several months while being unemployed and on social security disability benefits
Product: Debt collection

Hi, Im currently XXXX with the United States Military. On XX/XX/XXXX, I checked my credit report and noticed that I had a collection account reported in XX/XX/XXXX. The debt was reported by Debt Recovery Solutions as a medical debt from XX/XX/XXXX. I immediately called XXXX  to dispute the medical debt, because I was not aware of any medical debts. TransUnion asked did I contact Debt Recovery Solutions to discuss the debt. I advised XXXX, that I did not contact Debt Recovery Solutions at the time of our conversation. After disputing with XXXX, I called Debt Recovery Solutions, so that I could get a validation of debt emailed to me. The consultant at the company asked me for my social security number, in order to verify the debt. The consultant, then proceeds to advise me that they sent a letter to my address and had given me 30 days to respond, before they reported the debt to the credit bureaus. I then, advised the consultant that I was not in the United States and have been out of country since XX/XX/XXXX. The consultant then yells at me and states that how did I want to handle this. I then, advised the consultant that I was not in the United States and needed a debt validation emailed to me or mailed to my address back in the United States. The consultant advised, that he would send a letter to my address. Due to me being XXXX, I was not given a proper notice of any medical debt, nor was I given any validation of debt.
Product: Debt collection

To whom it may concern, I was planning on buying my first home i had checked my credit and seen that I have 22 accounts that does not belong to me. I do not know if it 's a mixed credit file or if someone has been using my info, But what I do know is that these accounts on my credit file does not belong to me. One of the accounts are Enhanced Recovery Corp ( XXXX XXXX ). On XX/XX/2016 I filed a police report with my local police station and filed an FTC Affidavit with the Federal Trade Commision. I then sent all that info plus some supporting documents to the credit bureaus and the creditors of the accounts. After waiting 30 days I received an response from the 3 credit bureaus that they concluded that my claim was frivolous. In accordance with Section 623 FCRA, 15 U.S.C. 1681S - 2 of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ) section 623 ( a ) ( 6 ), If a Furnisher learns that it has furnished inaccurate information due to identity theft, It must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information Section 623 ( a ) ( 2 ). 

When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f )
Product: Money transfers

I have a mortgage with XXXX ( XXXX XXXX XXXX ). I wanted to pay on line so they transferred me to Western Union Speed Pay on the web. I put in all my information, and submitted it. After that, I realized that I may have left off a digit in the bank routing code, but there was no way I could tell as the pop-up screen was gone. I would like Western Union Speed Pay to send a confirmation or problem report to the email address I provide, it would make life simpler.
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. 
XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. According to the Fair Credit Reporting Act, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Also according to 15 USC 1681s-2, they are not supposed to 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: Debt collection

On or about XX/XX/XXXX, {$520.00} Transworld report to the three major the 3 major credit bureau on behalf of XXXX XXXX third party company that purchase this account that was closed out on behalf of identity theft. Transworld without given me the rights or sending letters as to notify of the debt and the rights to dispute the debt proceed to report info to the bureaus without my given rights under the fair debt collection laws no one, the agency deceived the bureaus by first claims reporting was due to natural disaster. I have never received any documents to validate or given info to dispute. I however, can valid proof that the reporting is not mine. I have never had XXXX XXXX and Now, Transworld is report that it was open in XXXX in attempts to hurt my good credit. Transworld on XX/XX/XXXX told me it would be remove from my credit report and sent back to the third party agency which, Transworld refused to give me a name or address to file legal actions against both Transworld and the third party. Transworld told me it would be removed from the credit report however, XXXX has update the info to reflect that it was open in XX/XX/XXXX and I have services with XXXX XXXX and it can be verified. No to mention, it shows it will remain on my credit until XXXX. I have never received anything from Transworld and will be obtaining an Debt Attorney licensed under the Federal Trade Commission to handle it this is not removed from all three credit reports. I have supplied Identity fraud info and Transworld is XXXX  which the company has stated info was received.