23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

I am filing a complaint against Radius Global Solutions regarding a medical debt of {$1000.00}, originally from XXXX XXXX XXXX XXXX. This debt was reported on my credit report, with the account opened in XX/XX/year>. 

This is a medical collection that I believe is illegally reported on my credit report, potentially violating my privacy rights under the Health Insurance Portability and Accountability Act ( HIPAA ). Medical information, including debts, must be handled with the utmost care, and improper disclosure or reporting could constitute a violation of federal privacy laws.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to dispute this debt and request validation. This includes the requirement that Radius Global Solutions provide proper documentation proving their legal right to collect and report this debt.

Given that I have insurance, and the fact that I was not properly informed about what costs would not be covered, this debt is both uncollectible and unfairly reported. The continued presence of this debt on my credit report is not only harmful but may also constitute a violation of my privacy rights.

I request that Radius Global Solutions remove this debt from my credit report within 30 days. Failure to do so will open Radius Global Solutions to potential legal action for violating federal privacy laws and consumer protection laws.
Product: Mortgage

Ocwen loan servicing handles my loan, on XXXX XXXX and XXXX XXXX i made my payment online, after the XXXX of the month you 're forced to make a rush payment through their website call speedpay. I 've received a confirmation email that my payment was received on XXXX/XXXX/2016 at XXXX confirmation number XXXX and on XXXX XXXX I made XXXX payment at XXXX confirmation number XXXX. when reviewing my credit report it shows I was 30 days late twice and for XXXX it shows Im 30 days late when in reality the month is not even over. XXXX credit report and for XXXX my payments do n't even show. I try to reach out to Ocwen and they would n't able to explain me why they had reported me to the credit bureaus as being late. I really need your help in investigating this issue and it seems like Ocwen do n't care. All Im asking is for my rights as a consumer to be respected and not been abused. Obviously the information reported to the credit bureaus by Ocwen is false and is damaging my personal credit and preventing me on getting approved for a loan.
Product: Debt collection

I received a letter from Coast Professional , Inc for an alleged tax debt. This is the 2nd debt collection contracted with the IRS to collect on the alleged debt. The IRS wanted me to send information to them to verify that I was the father of my daughter. I sent all of the information and called over and over to confirm verification and I was still was taxed. I have disputed the debt on multiple occasions. I will not pay for a tax that I do not owe. In the letter, Coast Professional added additional interest to the alleged debt. This is a violation to the FDCPA. I have never entered a contract with Coast Professional , Inc for the said amount.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

Our previous lender, XXXX XXXX XXXX added late fees and miscellaneous fees. We tried to correct them with the lender with no help. Then, XXXX was bought by Ditech and our last payment to XXXX of {$5000.00} was not recorded. Our bank statement reflects the payment, but no accounting by XXXX who transferred the accout to Ditech as " late '' even though we had paid. Now Ditech is refusing to acknowledge the discrepency and continuing to add " late fees '' on an account that was paid up. We have been making monlthy payments to Ditech and are still getting late fees and no response the several attempts in writing to clear up the matter. I can provide the letter I have faxed to them three times. I have called and called and called Ditech. I get forwarded to a voicemail everytime and no one calls us back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to this company several time prizm financial since XXXX this problem been going on a good thing you saying that I missed a payment I have not missed one payment with this company I have put in a complaint with the XXXX  and a problem still haven't gotten solve this been going on since XXXX and here it is XXXX and they still won't fix it they continue sending that marks to XXXX on my credit report I'm constantly losing every time I build my credit report up somehow this pop up and it takes 20 some points off of my credit report constantly I had asked him several times I have put this in dispute several times and they still won't fix it and it's getting old and I'm tired now
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, being first duly sworn, deposes and says : * Identity : I am the individual whose name appears on the credit report issued by XXXX, XXXX and, TRANSUNION XX/XX/XXXXXXXX 

* Dispute of Late Payments : I dispute the accuracy of the following late payments listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These late payments were reported in violation of 15 U.S.C. 1666b and 1637a, as they were not the result of my failure to make timely payments or were reported in error.

* Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately.

I declare under penalty of perjury that the foregoing is true and correct.

Request for Removal : I request that the credit reporting agency remove these disputed items from my credit report immediately.

I declare under penalty of perjury that the foregoing is true and correct. 
Executed on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Credit Report ( see attached ) : Former Address ( es ) 1 ) XXXX - It shows that I lived in Louisiana, XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX, which is not correct. All my life here in the United States, I've only lived here in XXXX XXXX County California area. 

The Following AKA ( s ) were reported 2 ) Experian - I have an AKA on my report as : which is totally not me. 
XXXX, XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

The following account should be removed from my credit report immediately due to Unauthorized/Erroneous Account RESULT OF The XXXX XXXX XXXX which is a Direct Violation of the FCRA. XXXX and XXXX have since removed this account so why are you still reporting this account as accurate? Please see my attached credit report and XXXX breach claim id and remove the following account from my credit report XXXXXXXX XXXX XXXX XXXXXXXX
Product: Prepaid card

I have Wells Fargo Visa Credit Card for around two ( 2 ) years, since the beginning I transferred an amount to not interest program for 12 month, I took the entire 12 month to pay it off, right after that I stop to use this credit card in order to keep in good standing my credit scores from my bureau of credit, today XXXX/XXXX/2016 I have received a letter from Wells Fargo Bank telling me that my account was closed because I have not activity for more than six ( 6 ) month, I believe be notified before to close the account just to give me the opportunity to use this credit card in order to prevent to be account close, will be the best way from Wells Fargo bank to show any respect for a client and do not be a XXXX against XXXX, I called them and they told me, they can not do anything for me, now I have my credit report affected because their decision to close my account, I am very frustrate because when you try to find the best way to solve this situation, you have a Giant telling you, '' I do what I want to do, you really do not count ", please help me in this unfair situation, Thank you, if you need more information just contact to me
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously as this has been immensely frustrating. This is really stressing me out, It's been such a long time that I am trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.
Product: Debt collection

This is the third collection company that is saying that I owe XXXX {$2500.00}. I left XXXX several years ago with a XXXX balance ; and transferred all of my numbers to a new phone company. 
Everyone knows that you can't transfer your numbers to a new phone company unless you have a XXXX   balance. 

I called XXXX about the situation and they said that they have no information about this so called debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX, Creditor : XXXX XXXX XXXX has 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.

This account is fraudulent account, I do not open any account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

see the documents that I attached here. I want you to help me investigate and remove the late payment remarks on my credit report that should not be late payment at all.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. 
Commenity Capital were the original creditors that sold my info/account 15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1681a- Definitions ; rules of construction- Exclusions- Except as provided in paragraph the term " consumer reports '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 
Never did business with this company to owe them a debt, they purchased my personal private information without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I am reaching out for your help regarding an account that is wrongly reported on my credit report. This has impacted my standing as a customer, and I need your support. I want these accounts to be removed because they are being reported falsely and negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYXX/XX/2019 WHEN I WAS APPLYING FOR MY SONS AUTO LOAN, I GOT DENIED FOR HAVING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. I NEVER APPLIED FOR ANY OF THESE LOANS LISTED IN MY FTC REPORT NOR HAVE I GIVEN ANYONE PERMISSION TO APPLY FOR THEM, I HAVE NEVER AUTHORIZED 17 INQUIRIES THAT ARE REPORTING ON MY CREDIT REPORT EITHER. 

XXXX REPORTING 7 FALSE INQUIRIES AND XXXX XXXX XXXX XXXX REPORTING 13 FALSE INQUIRIES EQUIFAX 7 FALSE INQUIRIES AND XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with TransUnion was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 my 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 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.

TransUnion 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 XXXX 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: Mortgage

Late XXXX XXXX contacted XXXX XXXX and wanted to make arrangements to come up to date. They told us that we needed to be 3 months behind in order to put it on the back of our mortgage.They stated they would send out the packet for this to happen. 

Early XXXX XXXX- Contacted XXXX XXXX to establish where the packet was and they told me that they forgot to to send it and it would be out right away for loss-mitigation request of information. 

XXXX XXXX XXXX XXXX sent information ( packet as requested in early XXXX. We found out that they had my wife as a co-borrower but never agreed to this as my credit was the only pulled for the loan. 

We were requested to send her information as a co-borrower but she is not a co-borrower. 

We sent the information on my behalf for Borrower information and was told we would receive the requested information in 5 days of what we needed further to move forward. 

My wife called XXXX XXXX after being told by XXXX that she should call to see if she had authorization on the loan. She did not and she then requested that we be sent information that they told us they needed. 

XX/XX/XXXX, XXXX we finally received what was needed in order to continue with loss-mitigation. 

We then were sent several certified letters as well as mailed letter requesting my wifes information as a co-borrower. 

We have been confused since she is not on the mortgage nor should she be. 

We also found out with our Loan that they stated we paid points but it is not on closing disclosure and only in the form of XX/XX/XXXXmortgage paper for taxes. We also found out that the loan is to be FHA but papers state at bottom it is XXXX. 

We have reached out to the company throughout to straighten it out and they keep giving us the run-around. 

We also realized that they put us down for a higher interest rate then agreed upon. 

We tried to make a payment end of XXXX then were sent letter that we can only pay all of what we are behind before foreclosure begins yet we can not get them to clarify what they want and why they stated to wait 3 months of being behind and also requesting my wifes information as a co-borrower. 

We have reached out to lawyers, XXXX, Mortgage Officer, XXXX XXXX XXXX   Officer is no longer employed as she left after our mess with our loan and offered for us to call the XXXX  and all numbers on papers for loan. We have done so to no prevail. We also have reached out to XXXX XXXX in order to help. 
We were also told in the beginning in XX/XX/XXXXto not reach out to a counselor, yet XXXX said that is ridiculous. 

We have been going round and round with the company and no one can clarify why my wife is on the mortgage, why we are showing we paid points, why we are paying higher interest, why they told us to wait 3 months in order to put the payments on the back of the loan. 

We have tried to work with them but again we are going in circles and now since my wife has called we are each receiving letters as borrowers and co-borrowers but she is not authorized to speak on the loan.
Product: Credit reporting or other personal consumer reports

Account XXXX According to the law XXXX Is supposed to XXXX their balances... 
Or remove their account... 
When a XXXX sells their account It means they got paid for their account ... or put it into recovery .... 

XXXX Balances is supposed to be written XXXX Balances is supposed to be written on Debt Remove debt from payment history And XXXXXXXX XXXX  completely You are still writing XXXX in XXXX XXXX Credit report... 

Please understand how to do your job I do not want to see owed debt when I log into my account... 

XXXX Balances are XXXX When you sold your account ..you can not collect twice... 
Because you got transferred to recovery and it means you got paid... 

XXXX XXXX needs XXXX removed from Credit Balances Removed from Utilization Therefore his utilization needs to be fixed It is 75 percentage and XXXX XXXX is not using any credit .... 


Remove owed debt from payment history.. 
XXXX has sold their account and is therefore paid I don't want to know about errors and what you found in errors.. 

I did not asked for an update I asked for Deletion And fix of account Because you error and dropped my score from XXXX to XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Removal of Late Payment Record. 

Dear XXXX XXXX XXXX I hope this letter finds you well. I am writing to formally request the removal of a late payment entry associated with my account XXXX under the provisions of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681s-2, creditors have an obligation to report accurate information to credit reporting agencies. I believe that the late payment reported in XX/XX/XXXX and XX/XX/XXXX does not accurately reflect my payment history, and therefore violates this provision. 

Furthermore, under 15 U.S. Code 1666b and 15 U.S. Code 1681i, I have the right to dispute any inaccuracies and to have them investigated. I request that you review my payment history and consider removing the late payment from my credit report. 

I have always valued my relationship with XXXX XXXX XXXX and have made all my payments on time, except for this instance, which I believe may have been an error due to a delay in payment processing. Specifically, my payment was submitted, but it was processed 15 days later through no fault of my own. I have attached supporting documents that reflect the timing of my payment submission and the delay in processing. 

I kindly ask that you provide me with a response to this request within 30 days. Should you find that the information reported is incorrect, I would appreciate your assistance in correcting it with the credit reporting agencies. 

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

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I filed a debit card dispute with Capital One on or around XXXX, a fraudulent charge in the amount of XXXX, XXXX on XXXX, this is an XXXX purchase and is not on my XXXX account. XXXX and XXXX both advised me to dispute charge with my bank, Capital One, which I have done. Capital One reps included a supervisor in charge have referred me back to XXXXXXXX to resolve this. On the other hand, I 've also been told they are working on dispute and can take up to XXXX business days. The item ordered appears to be an XXXX XXXX, which was returned/refused, a tracking number was provided via secure message on capitalone.com. The last dispute rep, XXXX, was rude by stating he would no longer reply to messages. Item is not in my possession, refuse to pay for it. At one time, a temporary credit was issued, later reversed as again, XXXX refused to reply to messages or look into it further.
Product: Debt collection

XXXX XXXX XXXX illegal reported this debt to my credit report even thou this was done by identity theft
Product: Credit reporting or other personal consumer reports

JP Morgan Chase has incorrect mortgage payments, here are the following incorrect negative reports. 
History : XX/XX/year> ; XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The report is under XXXX also showing the mortgage was under a bankruptcy which was never under a bankruptcy.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my XXXX XXXX XXXX XXXX online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to access my personal credit report at transunion but was denied access also i have a credit freeze on my transunion account and also am being denied acces to lift the freeze i need access to my reports because i am being denied credit and employment opportunities due to the freeze i contacted transunion on multiple occasions at XXXX also at XXXX XXXX all these contact numbers i spoke to the agents and none of them have helped me resolve my issue i keep being told i will get a call bak from a another agent in 72 hours so i feel my life is on hold and my faur credit rights are being violated and i demand justice or to be allowed acces to my information being reported by transunion