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

A medical bill collection company will not update my credit bureau report with accurate information for my account. 

The company in question is : MNET Financial INC, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX This was a collection account for a hospital medical bill. 

This account was paid in full in XX/XX/2018. 

Since paying off this account, I have called the company numerous times in XXXX, XXXX, and XX/XX/2018 I have spoken directly to XXXX, XXXX, and XXXX. 

I have also written to the company to request that my credit bureau entry be updated to a XXXX balance and the account be marked closed. 

When I call and talk to them, each person I talk to will pull up my account and will acknowledge that the account has been paid in full and claim that they will take the appropriate action to update the credit report within a 30 day time period. 

Yet, the result of each of these inquires has resulted in them taking no action to update my credit report with the correct information. 

The original account amount was {$1600.00}. I paid the balance to {$0.00} in XX/XX/2018, Yet they still show that I owe {$390.00} on XXXX Credit report. 

I have contacted XXXX, via certified mail, and added a dispute to the entry through XXXX customer service. 

The action I am seeking is for them to properly update the credit bureau entry to a XXXX balance and to show the account paid in full and closed.
Product: Debt collection

XX/XX/XXXX, {$750.00}. XXXX called and left me a voicemail saying that I needed to pay this amount or they was going to have me taken to court. Said that they mailed a letter to me 45 days ago which i have never received. I asked them for a " validation notice '' which he refused to send me one stating that it would give me another 30 days? Got his name and phone number and asked him for an address where to send payment to, which is a P.O. Box in California. I've tried to look up their company online and cant find it anywhere " XXXX  XXXX XXXX '' address XXXX XXXX XXXX XXXX California # XXXX. XXXX XXXX extension # XXXX Phone number XXXX. ID # XXXX. When i first called them they said they were transferring me to the legal department and put me on hold and someone picked up but never said anything for about 2 minutes so i hung up and tried calling the number back from a different phone and it said that it was disconnected. XXXX XXXX called me back on that number several minutes later. He stated that he had my email, ssn, address, phone number and email and was going to email me a letter to notarized within the next 40 minutes which i have yet to receive. The debt that I allegedly owe is from XXXX which after doing some research in the state of Ohio the statue of limitations is 6 years on any debt as of the last day the account was used or paid. I called who he said that the creditor was, US Bank  and they stated they sold the debt in XXXX to XXXX XXXX XXXX XXXX. I spoke with XXXX which said that a debt that old is out of its statue of limitations and that it sounded like a scam to him. He also gave me his main headquarters number XXXX and said i should call them as well. When i spoke to XXXX XXXX he explained that XXXX XXXX XXXX is who he was trying to collect the debt for now and after looking them up on the internet i seen that the owner is being charged in a {$76.00} XXXX dollar scheme. It just seems all to fishy to me. Especially when they are refusing to send me a written validation notice which is required by law.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with TransUnion 's response. They failed to properly investigate my dispute regarding the XXXX XXXX XXXX  Acct # : XXXX Their actions violate my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) TransUnion verified the account without adequately reviewing my supporting evidence.

Failure to Provide Method of Verification ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) TransUnion did not disclose how the account was verified or who confirmed its accuracy.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) The account remains on my report despite inaccuracies and lack of verification. 

Requested Action : I request that CFPB take further action against TransUnion for failing to comply with the FCRA. I demand that TransUnion : Delete the XXXX XXXX XXXX XXXX account from my credit report. 
Provide the exact method of verification used. 
Be investigated for non-compliance with federal law. 

If the CFPB does not intervene, I am prepared to escalate this to the FTC and take legal action under 15 U.S.C. 1681n for willful non-compliance.
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( MO ) 281 SW 715,719. I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. The 15 USC 1692 g Validation of debts. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the high or past due balance nor do I recognize if any payments associated with everything being reported does not meet the FCRA.
Product: Money transfer, virtual currency, or money service

Unauthorized transactions of hundreds of dollars or sent money and didnt send right amount
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XX/XX/XXXX
Product: Student loan

I was contacted on XX/XX/2016 by Convergent Outsourcing Inc regarding outstanding student loans for my daughter. I am a co-signer on the private student loans. Prior to this phone call I had not been notified of the status of her loans. The debt collection company has sent me 2 letters via email stating if I pay a total of {$15000.00} the XXXX loans will be considered settled. I was given a deadline of XXXX to make the payment otherwise the offer will expire. I would like to validate this is not a scam. I am not sure how to go about determining this is not a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am actively investigating unauthorized access of my credit report and I have observed unorganized inquiries and or attempts of credit with my information. I have already contacted the individual credit companies and initiated disputes to have each of these inquiries removed from my report. 

Attached are the inquires mentioned as well as active dispute cases PLEASE REMOVE THE FOLLOWING UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT : XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX  XX/XX/2021
Product: Credit reporting or other personal consumer reports

My XXXX  XXXX credit card is violating my consumer rights by reporting a LATE TRANSACTION on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS from my all of consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX XXXX credit card company and reporting agencies According to : 15 USC 1666b- Timing of payments ( a ) A CREDITOR may NOT treat a payment in a credit card account under an open end consumer credit plan as LATE FOR ANY PURPOSE 15 USC 1681a- Definitions ; Rules of Construction ( XXXX ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated 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: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/XXXX regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/XXXX, I still have not received any response, which is more than 120 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the XXXX  data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Credit reporting or other personal consumer reports

Please see uploaded documents pertaining to compliance dispute against Experian based on XXXX 's reinvestigation determination to delete listed accounts.
Product: Mortgage

XXXX XXXX, XXXX. and XXXX attorneys at law represent XXXX XXXX XXXX in foreclosure case no. XXXX XXXX XXXX XXXX FL. We also submitted a modification package to Fay Servicing on XX/XX/XXXX2021 which was denied on XXXX/XXXX/2021. Attached please find our appeal of that denial letter dated XXXX XXXX, 2021. We recently called Fay Servicing to follow up regarding reply to our appeal letter because we received no reply. On XX/XX/XXXX21 our office spoke to XXXX XXXX ID # XXXX and she explained that Fay Servicing was not going to reply to our appeal letter.
Product: Mortgage

In XX/XX/2018 this Bank applied money that was in their suspense account to my principal and commenced a foreclosure proceeding against me. Why did you apply money to my principal when I still owe my monthly payment?
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) in 15 USC 1681 section 602 ( a ), it emphasizes the importance of ensuring that consumer reporting agencies carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX, XXXX and Experian function as consumer reporting agencies, and I, as the consumer, possess the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801. This statute asserts the congressional policy that financial institutions must actively and consistently uphold customer privacy, safeguarding the security and confidentiality of nonpublic personal information.

Entities furnishing information to credit agencies, defined as financial institutions, fall under the scope of 15 USC 1681 section 604 ( a ) ( 2 ), which stipulates that consumer reporting agencies may only provide a consumer report based on the written instructions of the respective consumer. In this case, the financial institution ( furnisher of information to credit agencies ) and the consumer reporting agencies ( XXXX, XXXX and Experian ) lack my consent, written or otherwise, to furnish this information. Any previous consent provided to these entities, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

Furthermore, 15 USC 6802 ( b ) ( c ) prohibits financial institutions from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about how to exercise the option to prevent such disclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option.

In addition, 15 USC 1681C ( a ) ( 5 ) specifies that a consumer reporting agency may not include certain adverse items of information in a consumer report, and this includes any adverse information that predates the report by more than seven years. The account in question is an adverse item being reported without my permission, which is a violation of the law.
Moreover, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) asserts that a person should not furnish information to a consumer reporting agency if they know or reasonably believe the information is inaccurate. XXXX, XXXX and Experian are not adhering to reasonable procedures to avoid violations of the FCRA. 

Finally, according to 12 CFR 1016.7, a consumer retains the right to opt out of reporting services at any time. Therefore, I am opting out of the reporting services provided by these agencies.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 604 A states I have the right to privacy. 15 U.S.C. 1681 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions There are also several inaccurate information on this account, dates and amount owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream and XXXX  has incorrect Credit Score for me My correct Credit Score should be XXXX. I feel I am being Discriminated against because I am XXXX American. I want a full investigation into both credit Reporting agencies. Because of this misinformation I am being Denied Credit.
Product: Mortgage

contract violation! is the first of many issues. Stated in our contract. late payment date is on the XXXX of the month, not the 1. like most. over and over again they continue to bill us. knowing this was the deal we had. they knew because when we found out they charged us we call and they PennyMac would fix or credit our account. but to find out they didn't always put the information on our bill coupons. so knowing this they continued to steal from us. also charging what ever they wanted too late fees have went up and down and up and downXXXX until now. also around the pandemic. pennymac gets ahold of us too help us out they said. but lied and took advantage of us, nothing we agreed about happened. XXXX we had taking us to XXXX.for us to pay over XXXX dollars never told us would be happening and we stay at years we had didn't want to add XXXX more years but to find out later they did. such a XXXX XXXX. this app is saying im taking too much. running funny. so stopping now. probably wasting my time anyways.
Product: Credit reporting or other personal consumer reports

accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX XXXX. Account name : XXXX XXXX XXXX. However, they stated everything was complete and accurate. I requested for the documents showing steps taken by credit beaureu doing investigation. I never recieved it. I disputed with both creditors and credit bureau on multiple occasions to keep getting generic system replied. My FCRA has been violated on multiple occasions from XXXXXXXX XXXX equifax.
Product: Debt collection

Acct XXXX XXXX {$1100.00} XX/XX/20 I did not open this account nor the other 2 opened by same company Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the FCRA Violation of the FDCPA Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 
This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] : This account has been incorrectly reported and should be removed due to identity theft. I have also filed a police report with XXXX XXXX police department in Maryland due to this incident. XXXX, Transunion and XXXX are reporting this information. I have contacted all three bureaus requesting this account to be removed. 

date issued : XX/XX/2018 balance {$6400.00}
Product: Debt collection

Equifax reply meet FCRA requirement as and explanation under the FCRA consumer reporting agencies are required to provide consumers with information in own file upon request.to make a statement along meet FCRA requirement dose not necessarily mean the FCRA laws are being followed meet FCRA requirement is intended only as a general commentary any debt collect can report anything to Equifax File.as a consumer I should be able to see start balance -- -- - unpaid balance and reason for the balance with my signature on it I ask only that the information be made available to FCRA are to me as the consumer if Equifax is unable to provide the information they should not continue to report false information into one file account credit collection service.
Product: Checking or savings account

i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO Me XXXX XXXXXXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX  ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX & XXXX ( XXXX ) OPENED XXXX/XXXX/XXXX XXXX  XXXX ( XXXX ) OPENED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX XXXX XXXX XXXX multiple times I filled complaints with CFPB for the account with XXXX, Equifax and XXXX. Complaints and complaint results are attached. All three claim to have verified and updated the account, however, the account still has inconsistent information with all three bureaus which include, the high credit, credit limit, date last active and date of last payment. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Debt collection

Case # XXXX On XX/XX/year>, my XXXX XXXX XXXX  account with a balance of {$1600.00} connected with my dad, XXXX XXXX XXXX, XXXX, for years now since leaving for College, was levied along with his. All of my money was gone with a day left to pay my rent which was included in that amount. While I understand that my being connected to him at the time of the legal order is a thing, I do not think it should be ethical or right that my money should be taken into this situation that had nothing to do with me. I am pleading that something is done to get my money back to me somehow some way because I have no connections to the loan payment nor will I be the one paying the loan back since it is his loan that I had no knowledge of. I have bills to pay and I have never been late on any of my bills so I would hate for it to be on the account of this that I run behind on my payments. Ive been on the phone and have talked to someone by the name of XXXX at XXXX and XXXX XXXX XXXX and she said he would have to pay the money back which he will be working on doing that but as for me, I should be exempt from this situation. Is there ANYTHING anyone can do to remove me from this situation and having my money returned to me.
Product: Checking or savings account

Was on vacation in Hawaii. My purse was stolen. I filed a police report .Thiefs charged all my cards. Transactions were disputed. One of my cards online banking apps ( Found ). Would not dispute. Stated thiefs had too much of my information. I am now overdrawn because of the transactions that were made. Also Found decided to close my account. It took them 20 days to come up with a response. All together charges on Found card were {$590.00}. Found stated they would not dispute. I also could not talk to anyone on the phone in the dispute department all correspondence were through email. Which they lacked communication in a timely manner and did not really respond.
Product: Credit reporting or other personal consumer reports

Please see the attached release form and remove the account XXXX XXXX XXXX from my credit report. This will be my last attempt at fixing this error. XXXX has since removed this account. I am requesting that you follow suit and delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to addend the complaints that was filed on XX/XX/20 # XXXX and # XXXX. Based on the credit report that we just received from XXXX. We discovered the WRONG SSN/NAME/DOB ( it is my brother XXXX XXXX XXXX ) was used from the Equifax data ( page 23 ). There are 30 mistakes total ( with red X ).