23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Health Care provider XXXX XXXX XXXX treated me on XX/XX/XXXX, included medical care and drugs total cost {$300.00}. My XXXX pays first, it paid {$120.00}. My XX/XX/XXXX ( XX/XX/XXXX ) pays second, it paid {$40.00} and XX/XX/XXXX Explanation of Benefits ( EOB ) showed me their payments to my Provider - XXXX XXXX XXXX - noting " You Owe the Provider {$0.00} ''. 

On or about XX/XX/XXXX by way of unsigned - Written Letter, XXXX XXXX XXXX XXXX IXX/XX/XXXX XXXX XXXX sent me a bill RE : Account NO : XXXX XXXX Clinic {$1700.00}. 

After examining this itemized statement regarding treatment on XX/XX/XXXX, comparing my XXXX Summary Notices and XX/XX/XXXX EOBs balances are $ XXXX as in this example. See all relative ATTACHMENTs to this complaint regarding XX/XX/XXXXservice. 

I can't not explain why my Provider tells collection agency I owe money in this XX/XX/XXXX example? Collection agency shows harmful/bad information on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAVE ALL VIOLATED MY RIGHTS. 


PER 15 USC 1681 SECTION 602A IT CLEARLY STATES I HAVE THE RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2 IT ALSO CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Mortgage

XXXX or also called loancare, For the last 3 years I've purchased home owners and paid my agent directly for the full year. Each year my insurance agent has sent Loancare proof of insurance. XXXX moths ago Loancare added hazard insurance to my loan raising my monthly. They also said my escrow XXXX is behind in funds raising my monthly approx {$200.00}. I asked about the insurance payments going to escrow XXXX, I was told the insurance company refunded Loancare and they added to my escrow XXXX. 

My loancare XXXX is so messed up I can't get anyone to help me after contacting them several times, they were to create an analysis and contact me back, never happened, I only receive automated calls. They are now saying my XXXX is behind in payments, I have proof from my back using bill pay that every payment is sent out on XXXX of each month.
Product: Credit card or prepaid card

As I was investigating the hard inquires against my credit, I noticed 2 Capital One card inquires. One is for XX/XX/2018 and another for XX/XX/2018. I have never applied, submitted my information, or even contacted Capital One or any of it's affiliates. Also- why would there be 2 inquires within 5 days? I would please like further information about this because I am confused. These inquires are negatively impacting me, however, I was not responsible for these hard inquires. If I am unable to solve this problem and they are not removed from my account I will have to file for identity theft or fraud against my name.
Product: Debt collection

When I checked my credit score, I noticed that Portfolio recovery had made a derogatory remark against me. I filed a complaint and emailed them asking for a detailed summary of what I owed and what it was for. I never received a detailed statement, and I also started receiving missed phone calls at XXXX and XXXX from the company. This is unprofessional and I am very upset that my credit score which was rapidly Improving, keeps getting hit by an account that I never agreed to.
Product: Credit card

I was not properly informed by Synchrony Bank to pay the interest free balance with the extended period on 30 additional ; day. I did not receive a bill in the mail neither was informed by the representative during the previous months call. I believe that the interest should be waved and they accept my payment and close the account.
Product: Credit reporting or other personal consumer reports

There is information on my credit report about myself that is incorrect, including my name, address, and employer info. The names XXXX, XXXX and XXXX, XXXXXXXX XXXX are not my name. I have also never resided in these addresses : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. For my employer, there is no employer listed, which is incorrect. Their presence fails to meet the requirements under 15 USC 1681e ( b ) to ensure maximum possible accuracy in credit reporting. I'm asking for this incorrect information to be removed and fixed right away, as required by laws. My correct name is XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and my employer information is XXXXXXXX XXXX Failure to comply constitutes willful noncompliance under 16 USC 1681n, allowing statutory damages of up to {$1000.00} per violation, plus punitive damages.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX - XXXX - {$550.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX. I was looking over my credit report and under no circumstances did I give my hand written consent to run my credit Agian where is the proof of me signing a consent form to run my credit in my absence. 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY SECOND COMPLAINT WITH EXPERIAN REGARDING THE SAME DISPUTE. 

EXPERIAN DID NOT REVIEW MY FIRST COMPLAINT BECAUSE THEY CLAIM THAT MY IDENTIFICATION CAN NOT BE VERIFIED AND HAVE DECIDED TO TAKE NO ACTION REGARDING MY DISPUTE. 

MY DOCUMENT SUBMISSION IN MY FIRST COMPLAINT CLEARLY STATES MY IDENTIFICATION HAS BEEN VERIFIED AND AUTHENTICATED BY A PUBLIC NOTARY OVER 5 TIMES DURING THE COURSE OF THE LAST 11 MONTHS. 

IN ADDITION, EXPERIAN RESPONDED TO MY LAST WRITTEN REQUEST WITH NO OBEJCTION TO MY VERIFICATION OF IDENTIFICATION I have repeatedly tried to dispute the incorrect information with the Credit Agency 's with little to no progress. I began the process in XXXX of XXXX and as of XX/XX/XXXX the disputed issues that I contested are still on my credit reports. After ordering my detailed credit report, I disputed the records with both the issuing company as well as the credit agencies them selves. The debt agency and creditor bureaus were unable to find any information proving the accounts were mine as required by Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of FCRA. One of the accounts in question was opened at a location and time in which it would have been impossible for me to authorize. After Writing 6 separate letters to each credit bureau, I have been unable to receive a solution to my issues. I have asked several times for proof of the account as required by Section 611 ( a ) ( ( 7 ). The credit bureaus and the supposed debt and credit companies that issued the disputed items have not been able to provide any relevant information regarding the validity of the account. A number of the accounts disputed have no relevant account history, or history that began after my original dispute was filed after XX/XX/XXXX. Many of the accounts have missing information for several months. None of the accounts have been verified with the required supporting documentation. I wrote the dispute and follow up letters by hand over the last 11 months and mailed them with Registered/certified postage. I have copies of all letters and correspondence to and from the credit bureaus attached to this complaint.
Product: Credit reporting or other personal consumer reports

I have disputed my personal statement and XXXX  wont remove it from my credit report.
Product: Debt collection

On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with XXXX XXXX @ XXXX stating that my student loan from American Education Services, AES is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that National Collegiate, NCT Trust is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get National Collegiate Trust 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for NCT 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted AES to see what was going on with my account, AES informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if AES had a contact number on NCT, they provided me with XXXX XXXX 's contact which is XXXX. I have research and google NCT and found nothing. At this point, I 'm not sure who is NCT and why is XXXX XXXX trying to collect {$11000.00} from me. XXXX XXXX XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my XXXX XXXX account. I never received anything from NCT stating ownership of my student loan. Also, NCT has not provided me anything in writing stating that they transfer the account to XXXX XXXX. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with NCT in the past or XXXX XXXX. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with XXXX XXXX and payments were submitted America Education Services. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a XXXX in my life. Thank you
Product: Credit reporting or other personal consumer reports

I had a problem with Experian boost and with my XXXX XXXX disappearing reappearing disappearing. Boost automatically adds bills that come out of your checking account to your credit report to increase your XXXX XXXX. I had a problem where XXXX of my bills was accidentally removed at which point my XXXX XXXX was disappeared. I tried fixing it online but could not find a way to do it that's when I tried to contact Experian to get them to fix it. I tried calling for a week then the automated system is near impossible to get a representative. I finally made contact by filing a complaint the representative 's name that I got was XXXX. When making the complaint XXXX told me that there was no way to fix the problem later changing his answer to if I paid for premium I would have a dedicated representative that could help me fix my problem. I made a complaint and asked to speak with his supervisor as I did not think that this was proper. The supervisor called me back and told me pretty much the same thing he said he could transfer me back to the automated system where he instructed me to ask for membership I told him I had tried that already and there's just an advertisement to pay for premium to get a dedicated agent. This sounds like a pay for play scheme that a XXXX XXXX XXXX XXXX who's supposed to give out helping information on credit report and XXXX XXXX for free. I told the supervisor this was not working and asked if I could complain and escalate my case higher he told me no this was the end of my complaint and he was closing it and that there was nothing he could help me with.
Product: Credit reporting or other personal consumer reports

I Have Been A Victim Of Identity Theft. My Whole Equifax Account Is Not Reporting ..... However, I was not late on XXXX XXXX  payment update this account to pay on time never late for inaccuracies in false reporting : XXXX XXXX Open Date. XXXXXXXX XXXX Open Date. XXXX Equifax XXXX Date.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX  and Equifax have accounts that should not be shown as delinquent. 
Both credit bureaus also take too long or don't remove accounts that should not be on report. 
My family and I have contacted both bureaus and they are clearly unreponsive and rude.
Product: Checking or savings account

They force closed an account on XX/XX/XXXX. It has been months now, and the 1400 I had in my account is missing.
Product: Consumer Loan

My payment is listed as 30 days late on XXXX credit report for XXXX. Notified company to update with no results. It is listed correctly on XXXX and XXXX.
Product: Credit card or prepaid card

I XXXX XXXX and spouse suppose to got a stimulus check through the card we check the government web and they deposited the Funds on XX/XX/2020 we never received a thing
Product: Credit reporting or other personal consumer reports

I received an alert from my credit card XXXX that another credit card was seeking my credit history which i did not authorize. i was informed by credit agency to contact the FTC online which they directed me to Consumer finance. gov.
Product: Mortgage

We took out a construction loan to remodel our home back in XXXX of 2016. And through that process we paid off our loan with Nationstar Mortgage. It has been over a year and we have yet to receive the release documents for that loan, which by law are to be issued within 90 days of the lender having received the funds. We are now trying to obtain permanent financing and running into a delay due to the release documents not being issued and recorded.
Product: Credit reporting or other personal consumer reports

ersonal Statement dear Equifax this is a self-attestation that I am victim of human tra! cking. The information listed below, which appears on my credit report, is the result of that tra! cking. These fraudulent accounts consist XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX I paid my statement balance 1 hour late. I incurred a lets fee which the company did waive and {$30.00} in interest which the company would not waive. I also found out later that fit 2 months I have to pay finance fees. The company did waive 1 fee. I have always paid my statement balance in full on time except this one time I was 1 hour late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I mailed a certified dispute letter to FRANKLIN COLLECTION SERVICES and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/XXXX I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 200 complaints on XXXX  they also have over 300 complaints with the CFPB Demand A DELETION REQUEST OF THE ACCOUNT
Product: Credit reporting or other personal consumer reports

Dear Equifax, This letter serves as my fifth round of communication regarding inaccuracies on my credit report, specifically concerning the reporting of a XXXX XXXX XXXX account. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate information, and I am compelled to reiterate my concerns regarding this matter. 

Re-Aging of Charge-Off Account/Updated payment history on a closed account.

I have observed that a charge-off account has been reported for four years. This extended period misleads potential creditors by suggesting the account is more recent than it is. Under 15 U.S.C. 1681c, negative information must be removed from my credit report after seven years from the date of initial delinquency. This misrepresentation negatively impacts my creditworthiness and violates my rights under the FCRA. The account SHOULD read ND or no data after XX/XX/XXXX through current Incomplete and Incorrect Payment History The payment history for this account is also inaccurate. It displays nearly two years with no positive payment information, then abruptly indicates 30, 60, and 90-day late payments. This incomplete information fails to provide an accurate assessment of my payment behavior and does not comply with the accuracy and completeness standards outlined in Section 609 ( e ) of the FCRA. The account should have positive payment history from XX/XX/XXXX through XX/XX/XXXX I must emphasize that under the FCRA, any new payment history on a closed account is illegal. The case of XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ), confirms that reporting information inaccurately can lead to liability. 

Given the inaccuracies detailed above, I request a thorough investigation into my dispute. Please verify the legitimacy of the charge-off account and correct the payment history to accurately reflect my credit activity. 

If these discrepancies are not addressed promptly, I will have no choice but to pursue legal action under the FCRA. I expect to be notified of the results of your investigation within the timeframe required by the FCRA. Additionally, I request a copy of my updated credit report reflecting these corrections. 

Thank you for your immediate attention to this matter.
Product: Credit reporting 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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 1. The following account is not mine XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. The following account is not mine XXXX XXXX XXXX of inquiry : XX/XX/2021 Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

7. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

Portfolio Recovery is constantly harrassing me calling my phone all hours of the night stating that I owe them money, which I told them that I do not and I believe someone close to me could have used my identify and I ask ed them to validate this debt and to show me my signature on credit application documents which they could not provide me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Equifax credit bureau. I submitted a dispute regarding a fraudulent account from XXXX XXXX XXXX account # XXXX, date open : XXXX with {$0.00} balance. I already filed a police report which Im sending in this complaint and also an FTC ( federal trade comission ) report. XXXX XXXX already sent out information to credit bureaus to delete this account. The other 2 bureaus already removed the fraudulent information from my reports only Equifax is still reflecting the mentioned account. The FACRA requires you to block the fraudulent information from my credit report resulting from identity theft within 4 business days and to promptly notify the business that sent you that information. I want the mentioned account to be remove from my Equifax report as soon as possible due to the fact that it is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see there are XXXX student loans on my credit report with all XXXX credit bureaus XXXX, XXXX, and Experian server of the loans XXXX. I only hold XXXX XXXX loans all with XXXX in which I have a contacted XXXX and all XXXX credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold XXXX loans with XXXX from from XXXX, and XXXX all XXXX in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original XXXX loans from XXXX and put them on my credit as new loans in XXXX as if I have XXXX loans though all XXXX loans have zero balance I dont hold XXXX loans I only hold XXXX I have asked XXXX XXXX remove the duplicate loans from all XXXX bureaus over the past couple of months they refuse and I also dispute with all XXXX credit bureaus and sent my letter from XXXX I only hold XXXX loans