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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XX/XX/XXXX **Equifax Information Services LLC XXXX XXXX XXXX XXXX , GA XXXX **Subject : Dispute of Collection Account - Metro 2 Compliance** Dear Equifax Dispute Department, I am writing to formally dispute the collection account XXXX XXXX XXXX account # [ XXXX XXXX listed on my Equifax credit report. This account is reported inaccurately and does not comply with Metro 2 standards.

According to the Metro 2 format, data furnishers must ensure the accuracy, completeness, and integrity of the information reported. I believe the collection account in question violates these standards. Specifically : 1. **Inaccurate Information : ** The account status, balance, or dates reported are incorrect.

2. **Incomplete Reporting : ** The account does not reflect accurate information about my payment history.

3. **Misleading Information : ** The account includes information that is misleading and damaging to my credit profile. 
I respectfully request a thorough investigation and prompt correction of this information. In the spirit of ensuring complete transparency and accuracy, please provide : - Documentation verifying the accuracy of the information being reported. 
- Verification that the data complies with Metro 2 reporting guidelines. 
- A detailed explanation of the steps taken to investigate this dispute. 

In support of my dispute, I would like to draw your attention to several court cases where Equifax was found to have reported inaccurate or incomplete information, emphasizing the importance of adherence to accurate reporting standards : 1. XXXX  XXXX XXXX, XXXX , Equifax , et al. ( XXXX ) : ** In this case, the court ruled in favor of the plaintiff due to incorrect and misleading information reported by Equifax, highlighting the significance of accuracy in credit reporting. 

2. **Soutter v. Equifax Information Services LLC ( XXXX  ) : ** This case resulted in a settlement where Equifax was found liable for not maintaining accurate credit information, which further stresses the necessity for strict compliance with reporting standards. 

3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Equifax ( XXXX  ) : ** Although primarily against XXXX , Equifax was also implicated for failing to ensure accurate and clear reporting, leading to legal repercussions. 

Given these precedents, it is clear that inaccurate reporting can lead to significant legal consequences. I urge Equifax to address this dispute promptly and rectify the inaccuracies in my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ) and Metro 2 standards. 

Please provide written confirmation that this account has been corrected or deleted from my credit report within the 30-day investigation period as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I look forward to your timely response. 

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

According to your investigation of XXXX Inquiry reporting per a membership I pay through to let me see all XXXX bureaus it appears as of XXXX XXXX, XXXX claims there is no such statment and there is!!! If you cant get it removed I will then alert the FTC about the insubordination reflected by this! I am going to break this down into 3rd grade language for you Experian Credit Bureau charges me a certain amount of money ea month to process 3 bureaus, they are as listed XXXX. XXXX XXXX. Equifax XXXX. XXXX XXXX one has a report that XXXX supposedly monitors and what that means is This business is to UPDATE accurate information with ACCURATE dates- something of which they DO NOT DO, you seem to be fine with this- for what reasons I have no clue but for the information to be listed as a LIE to make me look bad and unreliable your willing to accept it. 
This inquiry is on Equifax 's report handled through XXXX that is what a membership does, why you cant grasp it I don't know, but my patience is run out! The inquiry is dated XXXX XXXX and is supposed to be removed XX/XX/2024. What year is this now? XXXX what month is it now? well looks like it is XX/XX/2024 about to go into XX/XX/2024 I have sent print outs to both parties by MAIL that's United States Mail and this was done 2 weeks ago, it does not take a flipping month for mail to arrive unless the carrier cant read! And to this day the dang information is still there pending as a LIE! I don't need to refresh my browser, I don't need to format my entire computer to clear something XXXX XXXX wont remove and XXXX ignores it. What is the excuse this time?
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in on those accounts to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX OF XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous.The 3 Credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmedinformation without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account : XXXX XXXX XXXX {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$6300.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$340.00} ; XXXX XXXX XXXX XX/XX/2022.
Product: Mortgage

Specialized Loan Servicing LLC is unable to provide a payoff request or deed or reconveyance on a HELOC which they did debt forgiveness on XX/XX/XXXX. I started the process to request this on XX/XX/XXXX and Speciliazed Loan Servicing LLC said it would take 30 days to get a response and after 30 days, I have yet to get a written response from them and it is now XX/XX/XXXX. 

Timeline : 1. Specialized Loan Servicing LLC issued a 1099C in XXXX for Acct # XXXX dated XX/XX/XXXX for {>= $1,000,000} for cancellation of debt The loan was for a HELOC on XXXX XXXX XXXX in XXXX CA XXXX. After they issued the 1099C, they should have also completed a Deed of Reconveyance for recordation with the County Recorder and should have sent me a copy. They never did this. 

2. On XX/XX/XXXX, I called customer service # on my 1099C for XXXX. That # is XXXX. 
I spoke with XXXX # XXXX who informed me to send in an email to and provide a handwritten letter stating : " Still showing a lien on property no longer owned and please issue Deed of Reconveyance. I emailed this letter to XXXX as instructed. XXXX informed me it will take 30 days to get a response. 

I emailed them as instructed : a handwritten authorization, the 1099C - XXXX for the Cancellation of Debt, and the preliminary title report showing the forgiven debt still showing as a lien on XXXX XXXX XXXX. 

3. On XXXX, I called again and requested a supervisor call me back. XXXX # XXXX and confirmed they received the email and my letter was acceptable. 

4. On XX/XX/XXXX, I spoke with XXXX # XXXX to get an update and said should ask for CC3 to expedite. 

5. On XX/XX/XXXX, I spoke with XXXX # XXXX in CC3 and asked for a supervisor but they couldn't contact me with a supervisor. 

6. On XX/XX/XXXX, I called CC3 and spoke with XXXX # XXXX for an update and informed file is in archive and will take awhile for a Lien Release and would send an email to that department. I asked if I could speak to that department or get an email backed and I was told no. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to issue the Deed of Reconveyance to be recorded with my local County Recorder and provide me with a timeline. 

I am asking the Consumer Protection Finance Board to fine Specialized Loan Services for their incompetence. 

I am asking the Consumer Protection Finance Board to have Specialized Loan Services to provide me with a written update on my request with an executive level contact.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX Account Number : XXXX Reason for Dispute : The repossession status is inaccurate as the vehicle was redeemed. The late payments reported in XXXX and XXXX are also inaccurate. The late payments reported in XX/XX/XXXX to XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), and XX/XX/XXXX ( 90 days late ) are inaccurate.
Product: Credit reporting or other personal consumer reports

Credit Karma which I dont use anymore and opted out. I also opted out on the 3 credit bureaus from promotional offers and credit karma continues to check my credit agencies up to 4 times a month.
Product: Debt collection

I did a Settlement in the amount of {$280.00} with Convergent Outsourcing Inc. account number XXXX on a XXXX XXXX account number XXXX on XX/XX/2020. The agent documented the account notes of the Settlement because every agent Ive spoken with requesting the Settlement In Full letter has specified it. XXXX XXXX negotiated the settlement and took my payment. Since this time Ive spoken with XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. I was advised the account would be dated to reflect Settlement In Full / Closed as of XX/XX/XXXX and I would be able to access this letter online. As of today the account is still reflecting derogatory on my credit as a Collections Account with a remaining balance. 

I spoke with XXXX previously and notified them this account wasnt my account, however Im in the process of trying to purchase a home and was advised I cant have any open collection accounts on my credit. Therefore I reached out to the agency to Settle the account to move the process along.
Product: Mortgage

XXXX XXXX is a servicer of mortgage, I called to try to come out of covi-19 forbearance plan. I have called several times and was told I had been submitted for a work out plan, and Three people told me not to make payments. They call me daily using a robo caller. I answer and no one is there. I call back and I am placed on hold for two hours, I am told that mortgage submitted for workout by three people, one says it wasnt. In the mean time they reported the loan to credit bureaus. I am placed on hold for over 1 hour and 40 minutes to speak to someone. I have been hung up on, I have been trying since XX/XX/XXXX to come out of forbearance plan.
Product: Credit reporting or other personal consumer reports

Im wanting these inquiries to be deleted because i did not authorize these companies to run your credit this is fraudulent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to fraud. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

Was informed of a certain amount to pay every time would send the rate amount would be a different fee. Charge you on this end more than once then I pay those fees then pay fees when they would pick up. So being charged 3 times {$1300.00} XX/XX/year> I have several pleny XXXX {$1000.00} another thing being called by someone to purchase items to say after you pay then you have to pay Cashapp another fee to get items those fees would vary different amounts.
Product: Credit card or prepaid card

XX/XX/XXXX I made a booking for XXXX. it was a bus service in XXXX. When I reached the bus stop, they had no instructions on how to find which bus we are suppose to get on. Then, the customer agents there did not speak XXXX. When we found the bus with a lot of struggle, they refused to let me and Friend get on the bus. They claimed that there was only one ticket on the reservation. I showed them my reservation and they lady checking in clients for bus refused to look and did not let us sit. 
I explained this to chase and they opened a dispute. The dispute letter was sent out in mail and they asked me to sign it. Then I received another letter in the mail saying to accept or refuse the claim. I refused it and went to the chase bank branch office to fax it. The bank claims that they never received my signature and closed the dispute. Then another agent on the phone claimed that they don't even accept the dispute and resolved in the bus company favor. I believe that chase is being ethical towards this claim and would like some further help to resolve this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is XXXX XXXX  My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have Unauthorized inquiries appearing on my credit report and Three Fraudulent collections.
Product: Debt collection

Account should never have been in collections, written proof of debt requested TWICE via Debt validation letter. Sent certified mail with return address. No response. Needs to be removed from credit report.
Product: Debt collection

I am writing to formally file a complaint against Jefferson Capital for failing to provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I submitted a request for debt validation, but I never received the necessary documentation verifying the legitimacy of this debt.

Additionally, I disputed this debt with the credit bureaus, but it was never properly investigated, which violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Under this law, credit reporting agencies are required to conduct a reasonable investigation when a consumer disputes an item on their credit report. Furthermore, furnishers of information, such as Jefferson Capital, have a legal obligation under 15 U.S.C. 1681s-2 ( b ) to investigate and correct any inaccurate or unverified information they report.

Given these violations, I request that the CFPB take appropriate action to ensure that all three credit bureaus comply with federal laws by providing the requested validation or removing the unverified debt from my credit report. I also ask that the credit bureaus conduct a proper investigation as required by law. 

Thank you for your time and assistance in resolving this matter. Please keep me informed of any updates regarding my complaint.
Product: Credit reporting or other personal consumer reports

Judgements are void and shouldnt be reporting see cases 

- [ ] Valley v northern fire and marine ins co
- [ ] Old Wayne mut. I. Assoc. v. McDonough 
- [ ] Potenz corp. v. Petrozzini 
- [ ] Rose v. Himely 
- [ ] Williamson v. berry
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payment entries recorded on my credit report. These late payments impacted my financial management capabilities. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. 
I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into these accounts promptly and make the essential corrections. The bank associated with these late payments has agreed to remove them.. 
Here are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On  XXXX   XXXX   2017 , my paychec k ( direct deposit ) {$1300.00} was transferred to my ( adult ) daughter 's account without my permission. I was told by the bank that my daughter added me to her account as a joint owner. I never gave Navy Fed  eral CU authorization to add me nor did I sign any agreement. In order to be eligible to open an account with Navy Federal, you need to be related to a member. I gave her my information so that she would qualify but not to be added to her account. When she signed up, she provided my info and the account was set up incorrectly. I spoke with two different supervisors and my daughter went in to the bank in the city she lives in and spoke with a branch manager. The y all said the same thing, they could not return the funds to my account because I was responsible for her account. I explained to a supervisor named  XXXX  that I had not given authorization to be added to her account and her response was " you should not have given your daughter your information. '' I am unsure of what I could do have this issue corrected.
Product: Money transfer, virtual currency, or money service

Between XXXX and XX/XX/2020, I was transferred a few transactions to my cash app account, totaling {$350.00}. Fortunately, I have been unable to retrieve the money from my cash app. I have tried every action possible to contact Cash App and to retrieve my cash myself but I have not been able to fix the issue please help. Thank you!
Product: Debt collection

I reached out to collection agency to advise I was not needed as a co-signer and never signed lease. 

The company was only provided a copy of the application.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX - XXXX XXXX. XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Debt collection

This company is breaking the law but failing to provide validation details as required under 12 CFR 1006.34 ( b ) ( 5 ) .Despite this, theyve added a collection to my credit report.
Product: Debt collection

I went to see XXXX XXXX XXXX XXXX XXXX XXXX for medical services on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX at XXXX ( business name ) Address : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX , NV XXXX Phone # : XXXX. I paid my copay. My insurance company ( XXXX ) owes the remaining balance and is under a RECEIVERSHIP/Court order XXXX Judicial District Court of XXXX County, Nevada ( the " Receivership Court '' ), in case number XXXX, and pursuant to Nevada Revised Statutes chapter XXXX, entered its Permanent Injunction and Order Appointing Commissioner as Permanent Receiver of XXXX ( the " Permanent Receivership Order '' ) Per the court order XXXX can not bill consumers or patients, but have done so anyway and have ignored the court order. After explaining this several times by phone and email, on XXXX/XXXX/XXXX I received an email stating I was no longer in collection status from a XXXX XXXX XXXX. I continue to be billed and reported to collections. The last transmittal letter from Transworld Systems Inc. Collection Agency on behalf of their client XXXX XXXX XXXX XXXX is dated XXXX/XXXX/XXXX. My credit is being effected negatively and should n't be.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which appears to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX Balance Owed : {$180.00}.