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

Equifax refuses to follow through with a dispute regarding a XXXX year old account that has n't had any new reporting on since XX/XX/XXXX. When I told them that even the Equifax website says regarding Fair Credit Reporting that " Negative accounts that are 7yrs old ( or bankruptcies older than 10yrs old ) are to be removed. '' Equifax argued with me that the 7yrs begins with the 1st negative remark. No where does it say that, it says when the account reaches 7yrs old. In XXXX I asked for the account to be removed citing the same rule, and it was. However, when the company reporting the account updated the reporting 2 months later it was reinstated.
Product: Debt collection

The company provided credit card information to unauthorized individuals. The Company also try to use my personal to access accounts
Product: Debt collection

On XX/XX/XXXX I went to the hospital at XXXX XXXX XXXX Hospital at XXXX XXXX XXXX XXXX XXXX, AZ XXXX. I paid for the amount that was leftover after my insurance, XXXX  XXXX/XXXX  XXXX, at the conclusion of the visit. Overall, the visit was for a quick XXXX as I had fallen on my skateboard on the way to class and hurt my XXXX. Attached, is a medical bill showing that amount paid in full for my ER visit at XXXX XXXX. 

On XX/XX/XXXX I was notified from XXXX  that I had a pending unpaid medical bill from COMMONWEALTH FINANCIAL, XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX On XX/XX/XXXX I called COMMONWEALTH FINANCIAL and was told I had a pending unpaid bill from XXXX XXXX XXXX XXXX XXXX, a company I have never heard of or knew about at the time. They stated it was for an ER visit on XX/XX/XXXX. I stated I had forgotten about the visit as it had been over 4 years and have never been notified about any non-payments, including no notifications from my insurance. I was then told that since the bill was so old if I paid now directly to COMMONWEALTH FINANCIAL they would be willing to discount the amount to a lesser amount ( no number was given over the phone, email, or mail ). I asked for further details, but the only information they had was the original collector ( XXXX XXXX XXXX XXXX XXXX ) and the amount I owed them, {$510.00}. 

On XX/XX/XXXX I called XXXX XXXX XXXX XXXX hospital and was told that the amount had been paid in full for the ER visit and that any remaining debt would have been sent to my insurance at the time. They emailed me the verified document stating my charges. They also gave me the phone number for the Emergency room physicians at the time to confirm if they had any payment issues. 

On XX/XX/XXXX I called XXXX 's XXXX XXXX XXXX ( A different name was stated by the person over the phone when they answered ) and asked if they had any record of me not paying for any services. They asked for my social and stated that they had no record of me at all. I told them it was for a older record, and they stated that they likely no longer kept that record because they had switched hospitals multiple times and didn't keep records that old. 

On XX/XX/XXXX I opened a dispute with XXXX  that the charge was fraudulent. I could not confirm the charge by any original receipt from the original company that performed the service and had a receipt and voice confirmation from XXXX XXXX XXXX that my visit on XX/XX/XXXX had been paid in full. Additionally, once I called the original company that performed the service they stated they had no record of me and could not confirm or deny that I did or did not owe them money at some time in the past. 

On XX/XX/XXXX XXXX  notified me that they had updated the claim/dispute. The update consisted of them confirming the charge as legitimate, but providing no documentation or original receipt. Once I called the customer service of XXXX   they said they were unable to understand what I wanted and hung up. 

Present, I am sending a complaint to the consumer Financial Protection Bureau
Product: Money transfer, virtual currency, or money service

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 transparency and accountability is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention certain concerns regarding the information contained in my consumer credit report, as provided by Experian, XXXX and XXXX. As a consumer, I am keenly aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the importance of ensuring the accuracy, fairness, and privacy of my credit-related information. 

Under 15 USC 1681, Section 602a, there is a fundamental need to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. Furthermore, 15 USC 6801 underscores Congress 's policy that each financial institution has an ongoing obligation to respect the privacy of its consumers. 

I have recently become aware that [ XXXX XXXX XXXX ], a financial institution by definition, has reported certain information to your agency without obtaining my explicit consent as required by 15 USC 1681, Section 604a, Section 2. Additionally, I must assert my right to revoke any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, in accordance with 15 USC 6802 ( b ) ( c ).

Moreover, it has come to my attention that the reported information includes adverse items, violating the statutory provision of 15 USC 1681 ( c ) ( a ) ( 5 ), which prohibits consumer reporting agencies from including certain items of information without proper authorization.

I wish to emphasize that, as per 15 USC 1681s-2 ( A ) ( 1 ) ( a ), any information furnished to a consumer reporting agency must be accurate. Given the discrepancies I have identified, it is evident that there may be inaccuracies in the reported information, constituting a potential violation of the law.

Furthermore, 15 USC 1681E mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681C and limit the furnishing of consumer reports to the purposes listed under section 1681B. I am concerned that the procedures in place may not be sufficient to meet these statutory requirements.

In light of the aforementioned issues, I am formally disputing the accuracy of the information reported by [ XXXX XXXX XXXX ] and kindly request a thorough investigation into the matter. I have enclosed relevant documentation supporting my claim for your review. 

Please be advised that, under 12 CFR 1016.7, I am exercising my right to opt out of any adverse reporting services provided by [ XXXX XXXX XXXX ]. I trust that you will promptly investigate this matter and take the necessary steps to correct any inaccuracies in my credit report. 

Thank you for your prompt attention to this matter. I anticipate your cooperation and a swift resolution.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute a certain account on my report a multitude of times with Experian. The first time, they decided that the information was accurate without providing me with any evidence even though I asked afterwards ( against the law ). After that, upon trying to start a dispute, their automated system ( garbage ) tells me that I can not submit another dispute for the item without providing any new information. Ok, so I did supply some extra information/evidence. Guess what? They still refuse to investigate. This is now my second complaint about Experian to the CFPB because they do not care about their customers. 

The attached file shows the dates of all XXXX disputes that they would ALLOW me to file. I have attempted numerous other times to dispute the account in question. By law, they must provide proof that the account belongs to me, which I still have not seen after all these years of asking politely.
Product: Credit reporting or other personal consumer reports

Please Delete Inquiry 15 USC 1681i Sec 7 15 USC 1681 Sec 5 15 USC 1681i Sec s-2
Product: Credit reporting or other personal consumer reports

I have recently reviewed my consumer report and notice that there are two accounts that are not reporting correctly or has been verified neither have i given written consent to disclose this information which is a viloation of my privacy. I'm asking this accounts be deleted from all of my consumer reports immediately to prevent future litagation. According to the FCRA all accounts must be accurately. U.S.C 15 1681 ( a ) ( 4 ) states '' There is need to insure that consumer reporting agency exercise their grave responsibilities wit fairness, impartality, and respect for the consumer 's right to privacy. I did not provide written consentfor the accounts below to be reporting on any of my consumer reports. 
XXXX XXXX and XXXX needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

I tried telling the credit bureaus that this information on my credit report is incorrect ( see attachment ). Even though I followed the proper procedures multiple times they just sent back that it was verified, as if they didn't even look at the evidence that i sent them. The high credit is wrong, the date last active is wrong, the date of last payment is wrong, and They keep charging my almost {$60.00} INTEREST EVERY MONTH. XXXX is still showing this account as open and it should be showing paid/closed, This is all a direct violation of FCRA. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
Product: Student loan

XXXX I called my loan servicer AIDVANTAGE because my credit report showed that my credit score dropped XXXX points due to " late payments '', I fixed this later on with XXXX, etc. But this is my XXXX complaint with my loan servicer reporting false information. I called to also lower my monthly payments ( originally $ XXXX ). I was told my payment plan had " expired '' since it was dated from 2018 & I had to recertify. I was told my account would be placed on hold for payments while I submit to recertify my application for a lower monthly payment. I anticipated a lower payment since my income is less than 2018. 
XXXX I call back to follow up and make sure my application was accepted. I was then told my request was submitted & my recertification application was incomplete since I did not also complete my application on the studentaidgov website. I went ahead and completed that even though I was not informed by the first rep I spoke to. This of course delayed everything. 
XXXX call again and made my {$5.00} payment minimum to exit the payment plan & requested 1 month forbearance per customer rep instruction/email instruction to contact them to finalize exiting old plan. I also requested a detailed payment history with amounts for the life of each loan. The rep submitted a request for a payment history retraction. The rep said the document would be available on the XXXX of the month in my inbox since it wasn't showing in my account history. I never received this documentation. 
XXXX I called again because I received several notices stating my new payment amount was available, however, the amount was higher than the original at $ XXXX. I figured something is wrong since I made less this past year than 2018. The rep said in the beginning of the conversation that my account never choose a payment plan so it has no current plan. She said that no payment will be due since I qualify for XXXX plan & will be placing me into that plan. I requested to have that in writing since the portal shows {$380.00} is due & I already had issues with how Aidvantage has handles reporting to my credit report with false late payments, no clear instructions with how to lower payments, etc. She said she would send me something via email and never once did I get an email or document. I said ok while we wait could you please check for update with payment history document since I never received it and she hung up the phone. 
-Each time I log into the website, chat is unavailable. Wait times are over an hour + to get a rep on the phone, call back option is never available even though they offer it. XXXX business ethics with this loan servicers. I can't lower my payments and no rep can help me with the process in a timely manner. The loan servicer also did not inform me until I called that I had no plan. There is no information stating what state my account is in as for plans chosen. I find this process extremely frustrating & unfair with how inconvenient their customer service is!
Product: Debt collection

Around XX/XX/2017 Midland Funding, LLC bought a debt account from XXXX XXXX XXXX and without proof, they decided to insert this same account on my credit report with the same account number as XXXX XXXX XXXX Without any real proof of verification or validation of this debt, XXXX, XXXX XXXX XXXX allowed Midland Funding, LLC to add this account to my consumer report. All XXXX Credit bureaus such as XXXX, XXXX XXXX XXXX keeps claiming they verified this account accurate, but never provided me with any documentation. I never had a contract with Midland Funding, LLC, so how can you insert this account on my credit report ( Sound like identity theft ).

I also requested a 1099- C misc and never received that from any party at all.
Product: Credit reporting or other personal consumer reports

My student loan was paid in full in XXXX of XXXX. I have contacted equifax several times to dispute the balance and asked them to update the fact that it is paid in full. They ignore my request and consistently just place the balance on my record. I have been trying to obtain a mortgage and it makes my dti higher and may cause me to get a smaller house or higher rate due to risk.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT THE DISPUTE LETTERS ON XXXX, AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ).  PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.
Product: Debt collection

Paid back in the fall of XXXX to a debt collecter, sold again after paid to XXXX and XXXX in XXXX XXXX, AR they apparently filed a judgement but never tried to collect, I went around and around with them and XXXX finally got it clear up and off my credit record bought and sold three houses in XXXX some debt collector name Hood and XXXX XXXX, Ar refiled a judgement on me that has kept us from selling our house. Debt collector made mention in letter why I thought it was paid. I do n't keep records that long but I did contact my bank where I bought and sold home it shows paid, verified by the credit bureau and show on my credit report in paid status with the date, I have ask hood and XXXX to verified this debt and they refuse, but continue to hold judgement on me. I have called there office they have went from XXXX to XXXX to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2023, XXXX XXXX XXXX XXXX : {$15000.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$750.00}, XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$700.00}, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00}, XXXX XXXX  XX/XX/2023, XXXX XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XXXX XX/XX/2023, XXXX XXXX XXXX XX/XX/2023
Product: Student loan

Navient still has me as past due of the private loan when it has been sent to collections.
Product: Debt collection

I received a letter from Zions Debt Holdings ( of XXXX XXXX UT ) about XXXX weeks ago that they had purchased a debt from XXXX related to a XXXX XXXX XXXX account I previously had. They claim I owed a {$27.00} monthly monitoring service from XX/XX/XXXX. charge plus {$8.00} in interest and a {$60.00} late fee, and asked me to respond. I checked the box saying " This is not my debt '' and returned the form to them. About XXXX days ago I received a XXXX letter demanding payment and it also included a copy of my original contract. The contracted monthly service fee was {$34.00} and the contract EXPIRED in XX/XX/XXXX. 

Yesterday evening I received texts saying, that, if I did not pay by XX/XX/XXXX, they would report the debt to the credit bureaus. As I have communicated multiple times now, I cancelled that contract in XXXX or XXXX XXXX  XXXX. I have no idea where they would come up with a monthly amount of {$27.00}. The payment was always MORE than that on a monthly basis. I have never received any communication from XXXX or XXXX that owed them anything. They are demanding proof of my written cancellation from XXXX years. My current credit score is XXXX, which should give a pretty good idea that I don't walk away from amounts actually owed.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : TRANSUNION*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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX I secured a personal loan from One Main. As a condition of the loan there were several different accounts that One Main agreed to pay on my behalf. All of the loans were paid with the exception of the payment of {$3400.00} to XXXX XXXX. I have called the office over a dozen times and I have reached out to their HQ and they consistently just yell and scream at me offering no solution other than a check number. I painstakingly shared with One Main that XXXX does not care about a check number if they do not have the money. I have confirmed with XXXX that they never received the payment. The extended issue is that the interest has compiled both with One Main and with XXXX. Additionally, this has an impact on my available credit as it shows on my credit report which has repercussions. The manner in which I have been treated and verbally abused is without conscious.
Product: Credit reporting or other personal consumer reports

XXXX XXXX in accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions XXXX  XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly