23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the emergency room in XXXX for some XXXX XXXX XXXX, and I provided my medicaid information to the hospital. Apparently the hospital did not provide that information to the doctor, and now I've received a bill for {$1400.00}. I do not owe it. It would have been covered by medicaid if they'd just communicated with the hospital. That being said, it's now past timely filing, and I am unable to have them billed for it. Legally, they need to wipe out the debt and delete it from my credit report. It is a violation of my XXXX rights to have a medical debt on my credit report as well, and if I can not get this resolved amicably, then I will have no choice but to contact my attorney to get this resolved and seek damages.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : DP OF EDUC XXXX Balance Owed : {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous complaints about this XXXX charge-off account with no real assistance from XXXX other than some mailed statements. 

XXXX has charged off this account XXXX years ago, which means a 1099c was submitted. However, I have yet to receive a copy of the 1099c for the charge-off which is fraud. 

XXXX, XXXX, and Equifax are all reporting charge-off accounts on my credit report on top of all reporting different information which means it is also inaccurate and misleading and an additional reason why this needs to be removed from the credit report. The IRS defines a charge-off or a 1099c as gross or ordinary income. Income does not get reported on the consumer report. By reporting this as a charge off on my consumer report, it now becomes an inaccurate account which is now under 15 U.S.C 1681e ( b ) which speaks on maximum accuracy of the consumer report. This inaccurate accounting must be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

please delete the following Incorrect Addresses: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following Incorrect Names: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Please delete the following incorrect phone number: XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on numerous occasions to contact XXXX XXXX XXXX, XXXX, XXXX & Equifax to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.
Product: Credit reporting or other personal consumer reports

I am bewildered by the sluggish pace of your investigation, particularly when other credit bureaus have promptly resolved similar disputes. As a victim of inaccurate reporting, I have diligently followed the appropriate channels to rectify the situation. However, despite my persistent efforts, the inaccurate information persists on my credit report. I am entitled to have accurate and current information on my credit report. The delays in the investigation process are exacerbating the harm to my financial well-being and mental health. 

Regarding the accounts with identifiers are the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Not my account.. Already submitted fraud reports to all these companies. Please remove asap
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX XXXX XXXX XX/XX/XXXX ss # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXXXXXX today date XXXX i previously disputed these fraudulent inquiries i never gave permission to any company to inquire on my credit profile at any time i ask for a deletion of these inquiries i will list below also i will list XXXX CODES/ LAWS that relates to my dispute SHOW PROOF OF PROCEDURE OF INVESTIGATION. delete all fraud inquiries XXXX XXXX XXXX XXXX - Disclosures to consumers XXXX XXXX. XXXX XXXX XXXX Code XXXX - Requirements relating to information contained in consumer reports XXXX XXXX XXXX XXXX  XXXX : XXXX. XXXX, XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Auto Financing
Product: Student loan

I have been sending forms for XXXX since XXXX of 2021. I would like my payment count updated immediately. They claim they will be updated in 90 days, I have been waiting 463 days. MOHELA is lying and falsifying payment counts. 

Please see CFPB complaint # XXXX and # XXXX. MOHELA is falsifying my payment count. 

I would also like to know what my next steps and rights are in terms of a Tort Claim against MOHELA. This is my third CFPB complaint. What administrative actions is CFPB talking?
Product: Credit card or prepaid card

the old linked card expired. American Express deleted the old student card linked to the prepaid card. I tied to link the new card to this account and i needed to verify trial depsoits there app refuses to verify trial deposits. That after 10 times exceeded American Express wont let me add the same card there requesting a new card which i told them I can not get a new card. They blocked me from adding the card linked.. American Express new system is being complicated. I let here reps know that there system new system is complicated and will not let log in from there website. I can not make deposits Americn Express system being complicated and will not let me send my school funds over from the linked card to their account not unless i get a new card. There fraud department said it exceed 10 ten times. I told them its not my fault that there system will not allow me tto do so. its there system they should of kept the old system.
Product: Bank account or service

Around XXXX, on Monday, XXXX XXXX, 2015, I went to the Chase Bank Drive-Thru ATM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I had to make a deposit for a truck sale that I had made on XXXX/XXXX/15 of {$3700.00}. When I got to the ATM it was working just fine. So I deposited all XXXX XXXX {$100.00} XXXX bills into the ATM machine. It however, decided that it was going to crash and give me an error message that your deposit ca n't be accepted at this time, please try again later ( or something to that effect ) and gave me {$2500.00} back of the {$3700.00}. So it gave me back XXXX bills when it should have returned XXXX bills. I contacted the Chase Bank CSR and they opened a dispute but did not guarantee a result that I would like and said they would have to do a lengthy investigation and it could take up to XXXX weeks before I see the money, that is IF they even find an error. I know for a fact that I deposited XXXX bills at once ... So where the heck my other XXXX bills are since they only gave me back XXXX, I will never know. But this is absolutely INSANE and I want my money back. I am XXXX and we are already underpaid so this is MY money and I want it back!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove it from my credit report.
Product: Debt collection

On XXXX XXXX, XXXX, Deville Asset Management reported to my XXXX account a balance of {$20000.00} from original creditor, XXXX College. My school had already been closed for an entire year at this point. 

On XX/XX/XXXX, I received information from the US. Dept of Education explaining due to my school closure, all of my student loans would be discharged. I followed up with the US Dept of Edu and spoke with a representative who explained that all of my 18 loans I had were all discharged. 

I have disputed the collection twice. I have never received and information from the collector explaining that they have taken it over. After speaking with the US Dept. of Education again, I was advised to reach out to the collection agency and see what is going on. 

The representative told me that my debt was bought and I owe them money. Again, I have never received any information from them regarding the debt owed other than the times I reached out to inquire my account. I requested for information regarding the account they have on me but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank XXXX & XXXX is reporting me late on my credit report when in fact my credit cards were compromised in the months of XXXX, XX/XX/XXXX, and XXXX of XXXX. 
I contacted Capital one bank and explained what was happing to my accounts. The representative disputed the charges and informed me that I was not responsible for making any payments until my account issues were resolved. I was also informed that I would be notified when to resume my payments. I was never notified by Capital One when payments resume. Because my bank account was compromised as well when capital one resumed collecting payments it was from a bank account that was already closed which resulted in them reporting my accounts as late payments.
Product: Credit card or prepaid card

Please reference the following CFPB closed complaint : XXXX. There are multiple documents added to the complaint for review and to assist in adjusting the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting or other personal consumer reports

Please review the files that are attached.My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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. Th
is error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( 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! 


Update the late payments from my consumer reports
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 any account which is 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 accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is 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. 

Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/2023, I received a payment in the amount of {$9900.00} from XXXX, which is a federal agency, for miscellaneous business consulting work. XXXX paid for my services via XXXXWePay with their purchase card. 

The following day WePay notified me that the payment was flagged for as " high risk '' for chargebacks. I did not understand how my account nor payment was flagged because it was my first deposit/payment. In addition, I have had a personal bank account with Chase for more than 10 years. 

I subsequently responded to the email and provided the requested information : IRS document with EIN number ; New York State Articles of Organization documents ; invoice to XXXX ; and a link to my personal XXXX page. The latter was denied as a valid form of identity. I communicated to the WePay representative that I recently formed my business and had not taken the time to finalized my business website because I have a full-time job. I did not want to send clients to an incomplete website, thus I provided my personal XXXX website as proof of my identity and experience in the field associated with my XXXX XXXX. 

Nonetheless, the WePay representative rejected my documentation and deemed my account as high risk. This is EXTREMELY surprising given that my client is a federal agency which I stressed my than once to the WePay representative. 

As a result of my funds being withheld, I have had to delay my work with XXXX which compromises my ability to secure more work with them. In addition, I have been unable to secure requisite materials to adequately run my business like a post office box or hiring a web designer. 

In short, I would like my rightful earned money as soon as possible.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I attempted to cash a check in XXXX using the services provided by Ingo Money using the free XXXX cashing option. After submission, I received a notice that the check was not accepted and would not be cashed. The next day, on XX/XX/year>, I attempted to do so again, as no specific reason was given. The check was, once again, denied. I called customer support in an attempt to figure out what the issue was. I was initially told that because the last name on the check matched mine, it was considered " high-risk '' and that they would not cash it. When I pressed the customer support representative for the reasoning behind it, I was rebuffed and told that it would violate their privacy policy. I escalated the case to a supervisor, who then changed the reasoning that personal checks can not be cashed using the free 10-day option because they were considered " high-risk ''. However, just like the initial customer representative I spoke to, I was rebuffed when I attempted to ascertain the reasoning as to why it was considered " high-risk ''. I asked if there was any way to expedite the transaction so that I could do a one-time exception so that I would have access to all the funds of the check because I need the entirety of the check to pay for life-saving medications and the supervisor refused. 

I currently only use XXXX to bank and now have no avenue to cash and receive the full value of this check. 

To note, these policies are not listed anywhere that's easily visible. Had I known this would be an issue, I would have found a different way of getting the money.
Product: Credit reporting

Experian is the worst offender dispute items that were included in BK are re activated and falsely reported as a recent charge off. 
Experian stated to me that the creditor i.e XXXX XXXX recently reported the charge off even though it was included in BK 3 years ago. 
Which can not be true that XXXX reported the charge off because XXXX sold the debt 2 years ago so it would be impossible for them to report that on my credit report at this time. 
Showing the recent charge off on my credit report from XXXX which is impossible because they no longer have the account is simply retaliation by experian for disputing that item and is an illegal practice.
Product: Payday loan, title loan, or personal loan

I took notice I was getting charged {$63.00} every two weeks from my bank account during an audit and realized it was for furniture that I purchased from a store. When I called in to ask how much I paid so far it was a little over {$800.00} for a purchase I made for a little over {$900.00}. I informed the woman on the phone I wanted to just pay the difference as I totally forgot to go in to pay off the rest in its entirety with all going on in the world right now I was totally sidetracked with everything. She informed me that there is a second early pay off option but instead of paying the difference I would be paying about {$600.00} to pay off the purchase. {$600.00} more worth of interest for a {$900.00} purchase??? Makes zero sense to me no matter how many times she tried to explain to me jargon that only those in that office were trained on in trying to explain why that is supposed to make sense. I asked her was that even legal to charge that much interest as such and she explained to me yes, it is in fact, legal. I called again today to get arbitration information from the company and to stop any future electronic deductions until I can come to a reasonable lump sum agreement and I was informed by a supervisor that I was actually in a rent to own situation. That was NOT explained to me by the store as it was explained I had a line of credit to purchase items!!! Overall they want me to pay almost {$1800.00} for a {$900.00} purchase which I am NOT doing!