23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I hold XXXX fully responsible for this derogatory collections on my credit report with Transunion. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

All of XX/XX/2018 I had not received a statement from XXXX XXXX XXXX XXXX regarding payment. I contacted the Management team informing them of the issue. They updated my contact information, removed the late charge from the account but would not remove the late with the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Letter of Compliance - Failure to Follow Metro 2 Reporting Standards Dear, CFPB I am writing to bring to your attention the discrepancies and non-compliance with Metro 2 reporting standards regarding my XXXX XXXX account. It has come to my attention that there are multiple violations in the reporting of this account, which I believe has resulted in inaccurate information being reflected on my credit report. 
According to the information provided in my credit report, the details of my XXXX XXXX account are as follows : Creditor : XXXX XXXX Account Reported : XXXX. XXXX, XXXX Account Status : Closed Balance : {$36000.00} Account Type : Auto Responsibility : Individual Account Remarks : Charged off account Times XX/XX/XXXX days late : XX/XX/XXXX Upon careful review, I have identified five key areas in which XXXX XXXX has failed to adhere to the Metro 2 reporting standards : 1. Reporting of Payment History : The provided payment history table is incomplete and lacks the necessary information for each month. It fails to accurately reflect the payments made and the status of the account during specific periods, resulting in an inaccurate representation of my payment history.

2. Payment Status Reporting : The current payment status and worst payment status of the account are both inaccurately reported as " Charge-off. '' However, I have never made any payments on this account, and it should be reflected accordingly.

3. Account Status : The account is reported as " Closed, '' but there is no indication of the date or circumstances surrounding the closure. It is essential that the closure details are accurately reported for transparency and clarity.

4. Responsibility : The account is correctly reported as an individual account, which aligns with my responsibility for this debt. However, other information indicates an inaccurate payment history, suggesting a failure to properly attribute the responsibility of the account.

5. Lack of Additional Information : The report lacks crucial details, such as the highest balance, monthly payment, and exact terms of the loan, which are essential for a comprehensive understanding of the account.

Based on the discrepancies outlined above, I kindly request that XXXX XXXX promptly rectify these issues and ensure compliance with the Metro 2 reporting standards. Additionally, I urge you to take immediate action to investigate and correct the inaccuracies in the reporting of my XXXX XXXX account. 
Please be aware that failure to comply with these standards and address the inaccuracies within a reasonable timeframe may result in further legal action to protect my rights as a consumer under the Fair Credit Reporting Act ( FCRA ).

I appreciate your attention to this matter and your prompt resolution. I expect to receive a written confirmation once the necessary corrections have been made to my credit report.

I have attached proof of identification ( s ) as well down below in this letter.

Thank you for your cooperation. I 100 % sign and pledge that I am the sole writer of this letter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against TransUnion concerning their failure to address the inaccuracies on my credit report, despite my efforts to rectify the situation. 

On XX/XX/XXXX, I mailed a dispute letter to TransUnion requesting an investigation into inaccurate items on my credit report. These inaccuracies have adversely affected my financial standing and credibility. 

Despite my compliance with the Fair Credit Reporting Act ( FCRA ) guidelines and providing all necessary information, TransUnion has failed to acknowledge or act upon my dispute within the legally mandated timeframe. 

I have taken significant care to ensure the accuracy of my credit report and to protect my financial reputation. However, TransUnion 's failure to respond appropriately has caused unwarranted stress and financial implications for me. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received a response back from TransUnion dated XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letter sent to TransUnion, along with XXXX response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from my credit report. 


I am seeking prompt intervention from the Consumer Financial Protection Bureau to compel TransUnion to conduct a thorough investigation into the disputed items on my credit report and to take necessary corrective action as per the FCRA guidelines.
Product: Debt collection

HIPAA violation no knowledge inaccurate medical bill collection accounts on my Transunion credit report. FTC ID Theft Report # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute of Time-Barred Debt - Expired Statute of Limitations Dear US DEPARTMENT OF EDU I hope this correspondence finds you well. I am writing to formally dispute the validity of the debt you are attempting to collect, as it has surpassed the statute of limitations. rendering it time-barred under applicable laws. 

Details of the Debt : * Account Number : XXXX * Original Creditor : DEPT OF EDUCATION * Amount : {$2000.00} & {$1200.00} * Date of Last Payment : ( N/A ) Upon a comprehensive review of my records and understanding the relevant state laws, XXXX have determined that the statute of limitations for the debt in question has expired. As such, I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable statutes to dispute the collection of this time-barred debt. 
I kindly request the following actions : XXXX. Cease and Desist : Cease all attempts to collect this debt immediately, as it is time-barred under the statute of limitations. 
XXXX. Written Confirmation : Provide written confirmation within 30 days that all collection efforts related to this debt will be terminated. This confirmation should also include acknowledgment of the expiration of the statute of limitations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNTS THAT NEED TO BE REMOVED FROM MY CREDIT REPORT AND STOP ALL NEGATIVITY REPORTING ARE LISTED BELOW US DEPARTMENT OF EDU- {$2000.00} XXXX ACCOUNT # - XXXX XXXX. US DEPARTMENT OF EDU {$1100.00} ACCOUNT # - XXXX Key points on why the account need to be removed from my credit report and is reporting inaccurate Statue of limitations account was opened in XXXX were in XXXX 8 Years Address not on my credit profile for the original allege debt Disputed in the pass and failed to contact me back regarding my dispute Account payment history is inaccurate and reporting wrong
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 i applied for a line or credit with NETCREDIT and was denied my right to credit because of information inside my consumer report. information contained inside my consumer report is not a determining factor of credit and is a violation of the Equal Credit Opportunity Act. Not only was I denied my right to credit but NETCREDIT also used my credit card ( ssn ) and I received no benefit from the use of my credit card. NETCREDIT is violating the Equal Credit Opportunity Act and the Consumer Credit Protection Act by denying me my right to credit. This has hindered me from providing basic necessities for my and my family. Denying me my right to credit has also hindered my unalienable rights to life liberty and the pursuit of happiness.
Product: Credit reporting, credit repair services, 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, IL XXXX Please update my name to XXXX XXXX My only social security number is : 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 {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$1100.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXXXXXX {$20000.00} XX/XX/XXXX BANKRUPTCY XXXX XX/XX/XXXX
Product: Credit reporting

I am currently disputing negative items on my Equifax credit report upon every dispute I am penalized Equifax drops my score by major points. Is this fair? I am trying to pre-qualify for a home loan. The way Equifax is dropping my score for every dispute I will never get a fair chance to be able to own a home. Can someone help me understand why I am getting penalized for fighting the negative information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

installation of solr panels in XX/XX/XXXX and than getting very high electricity bills what I was told there would be NO ELECTRICITY bills at all. I keep requesting no response from XXXX XXXX XXXX XXXX XXXX  at all. Solar panels disconnected still i am getting bills from XXXX ITs false representation and till today since XX/XX/XXXX I complained to CFPB no response yed. 
Kindly help
Product: Credit card or prepaid card

On the day of XXXX XXXX, I revived hard Inquiry alert of Wayfair/Citibank on my credit report. I never ever once authorized the company Wayfair/Citibank to check my personal credit information. I did not apply for this credit card EVER. No desire whats so ever to even have an account with this company. I soon realized i was a victim of identity theft for I started seeing I had more and more hard inquiries from different companies that I never even applied for!. Now I immediately called Wayfair to tell them, that the account was not mine and that I never authorized the account in the first place. They closed it and marked it has card lost or stolen they were very neglectful to the fact the the account was opened fraudulently with my personal information!. I wrote a dispute letter on the month of XX/XX/2022, to one of the Three major credit reporting companies reporting inaccurate information about the account Wayfair/Citibank for they are reporting that I still owe a balance even tho the account is closed. These company Wayfair/Citibank has been harassing me about the balance even though it was opened fraudulently with my personal information they are claiming I am fully responsible for the balance on it. I provided my FTC report my local Police report and all my Proof I had about this very stressful matter In the dispute letter I mailed out. Iv calling the company Wayfair/Citibank and I get no help whats so ever they dismiss me all the time.
Product: Debt collection

XXXX 2017 I filed disputes with XXXX and XXXX. 
Convergent verified the alleged account with both credit reporting agencies and ignored my written letter of dispute. 
I presently have XXXX and have had service with them for over 2 years now. my account is current. I do not owe any past due balance .nor have I had a prior account with them. I have no idea what the alleged charges are for. contacted XXXX and no records reflect any such account associated with me. thus convergent is reporting false unverifable information that must be immediately removed. I am incurring damages and will pursue legal action if this agency refuses to remove this inaccurate data in it 's entirety..
Product: Credit reporting, credit repair services, or other personal consumer reports

there is old or wrong information in my employer and location, and wrong name, and Ssn.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 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: Debt collection

I have requested my original 30 days to dispute medical debt on XX/XX/XXXX with a HIPPA request also in the letter. I never received a response and I have fax confirmation they received my request. never received a response. 

On XX/XX/XXXX I sent another request for debt validation requesting the same items including my HIPPA consent under federal law and ( no response ). 

On XX/XX/XXXX another fax regarding prior two requests and ( no response ). 

My agent made several phone calls recorded to Sequoia Financial and they claimed they sent a response to me and did not. 

On XX/XX/XXXX sent another request by my agent signed by me for another request with a POA and a release of cease and desist they claimed as their excuse for XX/XX/XXXX, but no reason for XX/XX/XXXX of a failed response. 

Finally, I sent a certified letter on XX/XX/XXXX tracking number XXXX XXXX XXXX XXXX XXXX, that was received on XX/XX/XXXX at XXXX XXXX confirmed as received. I still see that my unverified debt is still reporting on my credit. 

I feel that my consumer rights have been seriously ignored and violated under the FDCPA and FCRA regulations and there is a serious violation that needs legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXTHIS IS URGENT!!!!! **** I submitted a prior CFPB complaint against Freedom Mortgage to have my account information corrected on my credit report to correct the payment history to reflect NO late payments, as a 30-day payment was being reported for XXXX, 2020 that was not correct ( on XXXX ) XXXX Per the company 's response ( attached hereto ) they confirmed the inaccuracy and claimed to have submitted the information to correct the error to the credit bureaus. However, when I pulled my updated credit report instead it now shows WORSE information instead ... .a 60-day late instead and no correction made for the first error as agreed!!!!!!!!!!!!!!!!!!! As I previously stated, I am in the process of purchasing a new home and this has created serious issues with my loan. I am now being denied because of this continued error!!!!!!!!!!! This is completely unacceptable and I need this fixed CORRECTLY immediately as I was told in writing would be done by XXXX XXXX XXXX, Manager of Customer Service w/Freedom Mortgage! I am not sure how such a serious error can be made on someone's account, but this has to be rectified immediately as this is causing me serious financial damages at this point. I have NEVER made ANY late payments on any accounts with Freedom Mortgage and I need ALL credit bureaus to reflect this accurately. Currently, XXXX is now showing a 60-day late payment per attached report!!! How that is even possible, when it was only 30 days late before for the same month! Suddenly, now there is NO 30-day late, but a 60-day late????????????!!!! Ridiculous. I do NOT have 60 days for this to be corrected due to my loan in process. I need this correction submitted immediately and the AUD # s provided to me. I also now need a written letter from Freedom Mortgage admitting to this error for my current underwriter, as they now feel I am not telling the truth and need documentation in writing from Freedom and a corrected credit report showing NO LATE PAYMENTS!!! I have never in my life seen such complete negligence. I have spoken to an attorney regarding this and will be retaining legal representation if this is not corrected within 24 hours of receiving this complaint. I can not wait any longer, as I am in the process of obtaining financing for my home purchase. Please understand the seriousness of this matter and rectify this promptly!
Product: Credit reporting or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

Requested online access as a co-borrower in the loan that was sold to Freedom Mortgage. Request was made multiple times from XX/XX/XXXX to XX/XX/XXXX. No resolution. 

I am told that only the first XXXX borrowers are allowed to have online access. 

I am the person responsible for making payments on behalf of all borrowers and am unable to create an online account to access critical documents and notices. 

I have requested that I be made XXXX of the borrowers with online access. The primary borrower, and co-borrower will never make use of the online access rights.
Product: Mortgage

This is a continuation to my previous complaint/claim # XXXX submitted earlier today regarding the following : It is obvious that Ocwen refuses to answer my concern regarding the satisfaction of my loan paid off to or thru them XXXX XXXX. 
Ocwen continues repeating the same answers and enclosing the same documents. 

Since Ocwen who all along has stated that they did n't have the original loan documents but has agreed with the Management company, XXXX XXXX, and obviously the investor they were representing, to pay for and issue an affidavit of loss documents and given that : Ocwen records seem to indicate that they indeed were in possession of my loan documents held by their custodian XXXX but are refusing to explain how is that all of a sudden Ocwen no longer has the loan documents, Ocwen indicates that they do not have to record the satisfaction of the loan with the County clerk 's office suggesting instead that I check with such office for any recordings ; and since it is obvious that Ocwen represents the investor not the borrower ( myself ), Ocwen has not produced any type of research information with previous servicing agents to make an attempt to obtain a report from them regarding missing documents, I, XXXX XXXX XXXX shareholder since XXXX was never informed that the loan I obtained from The XXXX XXXX XXXX in XXXX was assigned to XXXX XXXX and that the financial institutions were only servicing the loan. There is no record that XXXX XXXX ever filed for a XXXX yet in XX/XX/XXXX XXXX XXXX XXXX indicates that they obtained the loan from XXXX XXXX and therefore filed for a XXXX. 
I, XXXX XXXX XXXX, shareholder of XXXX at XXXX XXXX XXXX XXXX XXXX has never been notified nor requested authorization to transfer/assign and/or pledge the shares of the unit XXXX to collateralize any loan, since XXXX associates ' sister and/or related companies, under the name of XXXX XXXX XXXX and XXXX XXXX XXXX rental collateralized the building in XXXX without shareholder 's authorization and communication, ( I have only learned recently about the loan after my multiple requests to management company to provide me with missing amendments issued in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - amendments which by law sponsor/management companies are obligated to release to its shareholders ). 
Per the existing loan with XXXX XXXX XXXX issued in XXXX for $ XXXX, ( copy of specific clause attached ) there could n't be another senior loan, which seems to indicate that this loan may have been transferred to XXXX XXXX XXXX XXXX . However, XXXX XXXX has stated multiple times that there is only one loan - the XXXX XXXX XXXX loan - which was supposed to be just paid off this month. 

It is too coincidental to me that my loan documents were lost without any explanation around the same time when the 'investor ' places a XXXX on my apartment and a loan is requested from XXXX XXXX XXXX XXXX against the building all around the same time. 
I have now contacted several attorneys and all of them conclude that regardless of whether a XXXX was continued or not a loan needs to be satisfied by the latest financial institution, in this case Ocwen.
Product: Debt collection

I have asked Citi to stop calling me several times, on the phone and in writing. Citi persisted with phone calls several times a day.