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

I became delinquent on a private student loan through XXXX XXXX XXXX XXXX in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a XXXX XXXX representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our XXXX and Transunion accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, XXXX XXXX stated the information they were reporting was correct and even changed the transunion report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to XXXX XXXX XXXX XXXX on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or XXXX XXXX.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : 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 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, i did not give you ( Credit Reporting Agency ) permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and concern regarding the persistent presence of fraudulent items on my credit file, despite multiple attempts to rectify the situation. This ongoing issue not only poses a severe threat to my financial stability but also raises urgent security concerns. I urgently seek your assistance in resolving this matter. I urgently request the following actions : Immediate and expedited review of the documentation provided in support of the disputes. Fast-track removal of the fraudulent items from my credit file to prevent further financial and security risks. Transparent communication outlining the resolution process and the steps taken to address this matter urgently. Attached, please find copies of the supporting documentation, including [ list the documents attached, such as police reports, identity theft affidavits, etc. ], for your reference during the expedited investigation. I emphasize the critical nature of this matter and the immediate impact it has on both my financial well-being and personal security. I rely on the accuracy and security of my credit file, and it is imperative that these fraudulent items are promptly and definitively addressed. Please help me remove these items immediately : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

I was investing with XXXX  for months and around the time i wanted to cash out my money wasn't there. I lost around XXXX. I havent been assisted and i have bank statements of the money charges.
Product: Credit reporting or other personal consumer reports

M & t Bank is furnishing inaccurate information on my credit report. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my way of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my personal my life. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX verified an inaccurate account. How do you verify a charge off account? 

As defined by the IRS even if you dont receive a form 1099-C, you must report that as gross income on your tax return. The IRS clearly defines a charge off as gross or ordinary income, income does not get reported on the consumer report! You are hearby put on notice that you are furnishing incorrect inaccurate information. 

15 U.S. Code 1681i - Procedure in case of disputed accuracy 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.
Product: Debt collection

Original Debt was from XXXX XXXX. One line of four ( verified not used in a year by XXXX and Diversified Consultants ) not closed out when I switched to different carrier. Collection agent confirmed. Original debt was XXXX. 

Diversified Consultants, Inc. collection company received account. Negotiated and paid a settlement of XXXX paid in two installments. Diversified Consultants representative XXXX XXXX is the agent I worked with. Received confirmation that debt was settled and account closed on XX/XX/XXXX. On XX/XX/XXXX I received another bill ( collection ). There was a one digit change to the original account number XXXX to XXXX. Supervisor claimed it was for another line ( sub account ). Never received any other bill from XXXX. 

Contacted by Diversified Consultants and told them the original debt was paid. Supervisor interrupted and claimed what I payed was a sub account and this was different. Willing to take all steps necessary to end this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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 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 in those account 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 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: Debt collection

I received notification from the credit bureau that a collection had been placed on my credit file. I looked up the company. found their address and sent them a letter stating that I never received any correspondence fro them and that i did not know who they are or what this was for. 

The company sent me a new letter stating that debt was mailed to me on XXXX. All that i can say is that i never received a letter from them. I also advised that them that i have insurance which wound have paid it. There is no reason for me not to have paid a {$47.00} bill except i did not receive it. 

I've also had some issues with some on using my name - which make me even more suspicious. I didn't tell them this because its not their business. I just never received a letter from this company.
Product: Vehicle loan or lease

This is related to my previous complaint case number XXXX. See enclosed file upload. I have since titled my XXXX XXXX XXXX in XXXX and subsequently notified the Ford credit company representative, but the Ford credit company has yet to send them the electronic lien release, according to the XXXX DMV title bureau., as they agreed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Monitoring Company XXXX XXXX is reporting on my Equifax Profile XXXX XXXX XXXX XXXX that my paid in full XXXX  XXXX  account with zero balance Is at below 100 % with payment history this is wrong. It's payed no outstanding balance 2. XXXX XXXX reports on Equifax accounts has fraudulently stated that falsely that remarks are added and there are no remarks for XXXX XXXX Bank account XXXX 
3. XXXX XXXX on reports on Equifax that account XXXX  XXXX Bank pays on time and the account is paid in full and not open nothing to pay 4. XXXX XXXX  is reporting XXXX  XXXX  XXXX Bank in different areas on the Equifax report.

5.XXXX XXXX is reporting XXXX XXXX XXXX  XXXX XXXX account . 
XXXX XXXX on Equifax reports XXXX XXXX account missed payments but the account is paid in full zero balance. How can this be? XXXX XXXX reports payment history at 87 % and it should be 100 % This account is paid not a revolving accounts and the account has no added remarks its just being reported fraudulently.

6. Finally XXXX XXXX Bank is being reported as paid on time XX/XX/2022. This account is paid in full no further payments made account paid in full.
Product: Debt collection

General Revenue Corporation sent a letter dated on XX/XX/XXXX about an alleged debt I do not owe. In the XXXX paragraph they state that it is their second attempt to notify me of the debt yet they have never contacted me before nor have I ever heard of General Revenue Corporation until today XXXX/XXXX/XXXX when I received their letter. Nowhere on the letter does it say I can dispute the debt. Also there are XXXX different addresses listed on the bill in XXXX different towns out of XXXX different states. The average consumer would have absolutely no idea what address to send a dispute to. 

The letter claims that I owe for a loan where I have never taken a loan for whom they are claiming to collect for in their letter. 

Absolutely none of my rights are stated in their letter to me and the language used is to demand payment giving me no option to dispute anything regarding their false claims with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consistently having trouble with TransUnion when applying for credit. My XXXX  credit score is XXXX, XXXX XXXX, however TransUnion is XXXX and lenders are all depriving me of better rates due to TransUnion.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I keep getting letters for the past few years from different collection agencies on an account I closed 10 years ago. DOFD has been re-aged and I keep getting harassed. Current creditor is : Jefferson Capital Systems / XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX Nevada XXXX and Original Creditor is XXXX XXXX. 
I am also in the process of reporting them to the Federal Trade Commission ( FTC )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This incorrect reporting is harming my cXXXXedit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this line item however, I have not been successful.
Product: Debt collection

I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX word generated letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under XXXX but the companies refused to resubmit it and XXXX has no record of it being submitted.
Product: Debt collection

Original creditor already disputed amount and removed collection from my credit report, but Jefferson Capital picked it back up and placed it back on my account, they repeated call several times daily. Non stop.
Product: Debt collection

I received an email on XX/XX/22 at XXXX XXXX  XXXX from Radius Global Solutions LLC regarding collecting a debt I owe to XXXX XXXX XXXX XXXX  XXXX. It had my address listed, but it looked like it could potentially be spam so I contacted XXXX within XXXX minutes of the email being sent. They confirmed Radius Global Solutions LLC is a debt collection agency they work with and that I owe a debt of {$200.00}, but had paid my co-pay in the amount of {$50.00} bringing the total needed down to {$150.00}. I advised I had zero phone calls or emails from them, to which they replied they only rely on the USPS to send notifications ( do not have any of those either ). They were able to confirm the dates of service, but could not provide me with a breakdown as to why we would owe so much for a visit ( they claim their systems are down ). Due to their systems issues, they also could not take a payment and would need to call me back with both pieces of missing information. 

I waited about a week and a half and called XXXX back on XX/XX/22 again asking if their systems were up, and was told they are not and their is no ETA to fix the systems. I was also informed the amount owed may not be accurate and I can just pay it and they will refund me if it's inaccurate. They still have me on a list to call back when things are working and I have not heard back from XXXX as of this writing. 

I then called Radius Global Solutions, LLC the same day directly and asked if they could provide a breakdown of the balance. They said no, but advised me the {$50.00} stated above was from my " insurance '' which is contradictory to the information provided from XXXX. I informed them I was not paying a debt they can not confirm is accurate and they requested I send them a dispute in writing ( via email ) even though I was following their email guidance and using the call in option. I emailed them on XX/XX/22 and have not heard anything back since. 

I am not disputing my family visiting the clinic at all, but their debt collection practices are completely unprofessional. They can't seem to tell me what the charges are for, don't even attempt to notify me directly they are sending my personal information to a debt collector, and provide contradictory information between both organizations.
Product: Checking or savings account

My account at the time was altered without my knowledge or consent, due to an accusation based on Bank of the west records ( that the company refuses to give me copies of ; provide burden of proof ). My only proof that these alterations made to my account, which placed my balance- {$260.00}, as well as hinder my ability to provide for myself as a XXXX XXXX XXXX XXXX during the duress of the pandemic, has been the word of this bank and the forgery of my transaction history, accompanied by the original receipt of forgery by bank manager XXXX XXXX in her own hand writing. I have made several requests for the company to rectify this and turnover documentation used to support the alleged ATM error in connection to the {$500.00} bank error my account was accused of being responsible for, thus far they have ignored my requests, closed my account with a derogatory remark, and sold the forged debt to a collections agency, which is now creating a hardship upon my credit history. The only response received by Bank of the West in regards to my request for investigation has been in response to a complaint made by myself to the California Department of Business Oversight. The events in this investigation held 3 months prior to the initial request did not accurately depict the events that took place, B.O.W. has repeatedly ignored my written requests to comply with FTC regulations and has slandered my good name as a consumer, and inflamed the attack on my credit. These practices have been harmful to my livelihood and continue to harm my pursuits to have a better quality of life. I am in need of assistance, in any form to help rectify this situation, I am not financially able to fight this, to which I am sure they have been counting on. This nightmare began on XX/XX/2020 and is curent.
Product: Debt collection

To whom it may concern, I am writing to formally dispute a collection account reported on my credit file by Affirm Inc, which I have no knowledge of. This account, allegedly opened back in XXXX, is entirely unfamiliar to me.

To investigate this matter, I contacted Affirm Inc directly XX/XX/XXXX at XXXX and provided them with my personal information, including my full name, mailing address, phone number, and home address. However, they were unable to locate any account under my information in their system. The only detail they seem to have on record is my full name, which is insufficient to establish that this account is genuinely mine.

Furthermore, I have never received any correspondence from Affirm Incneither letters nor phone callsregarding the two accounts they are reporting under my name. This lack of communication adds to my concern about the validity of these accounts. Additionally, I have tried to obtain the first creditors information from Affirm Inc, but they have not provided me with that information either.

If you review my payment history, you will find that I have an excellent track record with no negative marks, except for this alleged account. This inaccurate reporting is severely impacting my credit and causing significant harm to my financial well-being.

I kindly request the CFPB to take immediate action to investigate and resolve this matter. Please assist in rectifying this situation by verifying the validity of these accounts and ensuring that any inaccuracies are removed from my credit report.

Thank you for your attention to this matter. I trust in your commitment to protecting consumers like myself from unwarranted harm. 

Sincerely, XXXX