23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX To whom it may concern : I need your agencys assistance, for years now, I have been harassed by XXXX XXXX XXXX for fraudulent medical bills that I do not owe. 

I have not been a patient of any XXXX XXXX XXXX doctor in years now, and I do not owe any outstanding Medical debts to them, yet they continue to harass me, by charging me for debt that I do not owe. 

They continue to charge me for XXXX XXXX that have already been paid for in previous years, by myself, as well as my dual insurance carriers. 

I have contacted their business office over and over again, they have received copies of payments already made to them, I have had attorneys to write to them to clear my name of these fraudulent debts that they continue to harass me about. 

For years now, the billing office for this medical group has insisted on harassing me, they have made mistake, after mistake on my patient accounts, they have not credited me for payments received from me, as well as from my insurance carriers. 

They have inept and unqualified people working in their billing offices, over the years they have claimed that they have changed their computer systems, over and over again. And it seems that each time they have, they place people that dont know how to do patient billing, and so the patients suffer for their incompetence. 

Years ago their Administrative officers XXXX XXXX, as well as XXXX XXXX XXXX and others in their Administrative offices, were made aware of this continual harassment from their billing office, and this was supposed to have been corrected. 

( I am enclosing copies of letters that were already sent to XXXX XXXX XXXX back in XXXX ). 

Yet I find today in my mail, on XX/XX/XXXX, a letter from a Collection Agency by the name of Capio Partners LLC, this collection agency is billing me for fraudulent medical debts that I do not owe. 

I want Capio Partners LLC, to understand, that I am not paying them, nor am I paying another dime to XXXX XXXX XXXX, for any more of their fraudulent medical bills. 

I want Capio Partners LLC, to cease and desist from contacting me about these fraudulent debts that I do not owe. 

I want any collection accounts that they have placed onto my credit files removed immediately, as well as removed from their collection office, and I want hard copy proof on their letterhead that this has been done. 

Capio Partners LLC, can contact the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau, can contact me.
Product: Credit reporting or other personal consumer reports

Chex system fail too remove incorrect information off my report
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 time payment accounts need to be deleted for inaccuracy because the date of last activity is different on each bureau, payment history is incorrect, I was never late and I disputed this information over 30 days ago and it still doesnt show disputed by consumer!!!!!
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/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.

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!
Product: Prepaid card

My husband received a prepaid XXXX XXXX gift card for {$100.00} as a gift. We have tried using this gift card before and the company said it would not go through. I've tried requesting both online at XXXX and via phone at XXXX for the gift card balance to ensure there is money on it, but I get an error message every time. When I request " help '' online it asks me for all information about the card and my personal information, yet I still get an error message. Please note that the card has never been processed and should have all funds on it : {$100.00}. I've tried reaching out to XXXX directly but they tell me it's not in their inventory and with the issuer of the card and can not help.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union is reporting inquires that i do not recognize please remove now
Product: Credit reporting, credit repair services, or other personal consumer reports

You have not adhered to the following laws, XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. according to the federal trade commission regulation. Your investigation results are unlawful ; you have also unlawfully placed derogatory items on my credit report which in turn is causing me undue financial duress ; as you have not produced the original contract ( for XXXXnspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law
Product: Credit card or prepaid card

Several years ago I opened an account with BBVA Compass bank in My Name and my wife 's name. When the account was opened we were issued a credit card. In XX/XX/XXXX we closed our BBVA bank account and we thought we closed the credit card account. We never used the credit card during the time we had the bank account and never received any credit card statements before or after we closed the bank account. Today XX/XX/XXXX we received a {$0.00} balance statement from BBVA Compass for a credit card in my wife 's name for the period of XX/XX/XXXX to XX/XX/XXXX. I called BBVA compass to verify that this was not fraud, and the ask for my SSN number, which I refused to supply. They were able to verify the account by our phone number and address, and agreed to close the account. I ask for the last four digits of the SSN number that they had on file for this account, but their representative XXXX XXXX refused to answer. I am complaining about two actions by BBVA. 1.  Keeping the credit card account open, when they stated it would be closed in XX/XX/XXXX, and not sending any statements until XX/XX/XXXX. 2. For refusing to supply me with the SSN that the account was opened under. The bank account had my SSN on it, so they had no business opening a credit card in my wife 's name with my SSN.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX look at what you just sent me asto resolution  of this matter a statement dated XX/XX/2023 which when i got i paid imediatly i paid more before that in XXXX when i taught it was overdo tazes which you guys put on account but didnt make the amount you guys wanted till i got the bill in XXXX i had no idea what was going on i taught it was taxes and tried to pay mid XXXX which i get no credit for
Product: Debt collection

This company is harassing me about a debt that is not mine. It has been over 30 days since I've told them I would like to dispute this debt. It has been over 30 days since I've initially told them to stop contacting me. The contact me while I am at work and after XXXX. They have yet to respond to my investigation request. They have yet to validate this debt but continue to pursue payment. They have put my job at jeopardy and have caused me a lot of stress. I don't know what to do. They have stolen my identity and personal information and continue to share it with parties unknown to me. They have defamed character and invaded my privacy.
Product: Checking or savings account

I need to connect my bank to XXXX to use for Payroll. It says that PNC will not let us do that. I will have to change banks if I can not link my PNC account to my XXXX Payroll.
Product: Credit reporting

I disputed a public record appearing on my Equifax report. The item has been paid in full and has been released/dismissed by XXXX XXXX 's District court. I requested the item be removed from XXXX, XXXX, and Equifax reports via dispute investigations. XXXX and XXXX removed the public record with no further action on my part. However, Equifax continues to report the item despite the item being released by the court. In addition, I was told on XXXX/XXXX/XXXX ( via phone ) that the item would appear on my file until XXXX XXXX or XXXX because of Equifax 's internal retention policy. The crux of my complaint is that credit reporting agencies should be consistent and accurately report personal information. Failure to do so affects individual creditworthiness and is an abuse of authority. All credit reporting agencies are bound by the same rules, FCRA and individual state of residency policies, which supercede internal company policy, in this instance. As a result, I feel that Equifax actions are unilateral and inconsistent. I humbly request that the public record be removed immediately.
Product: Credit reporting or other personal consumer reports

I am formally disputing the fraudulent and inaccurate accounts that continue to appear on my credit report. I have repeatedly requested that your agency conduct a fair and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), yet you have deliberately failed to do so. Your refusal to remove these fraudulent accounts, despite clear evidence of inaccuracies, is not only a violation of my consumer rights but also a knowing and willful act of fraud on your part. 

I have already taken the necessary steps to report these fraudulent accounts to the **Federal Trade Commission ( FTC ) ** and have filed an official complaint documenting your continued failure to investigate and correct these errors. Your agencys refusal to remove these fraudulent accounts while simultaneously profiting from data furnishers constitutes a blatant abuse of power and a direct violation of federal law. 

I recently conducted a thorough review of my consumer credit report and discovered multiple unauthorized accounts that do not belong to me. These accounts were furnished by companies and credit reporting agencies without my consent, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies and data furnishers are required to ensure the accuracy and integrity of the information they report. However, the presence of these unauthorized accounts on my report demonstrates a failure to comply with these legal obligations. Specifically : 1. **FCRA Violation Unauthorized Furnishing of Information ( 1681b ) ** - The companies and credit bureaus have reported and shared my consumer information without my explicit consent or permissible purpose.

2. **FCRA Violation Failure to Maintain Accuracy ( 1681e ( b ) ) ** - The credit reporting agencies failed to follow reasonable procedures to ensure maximum possible accuracy, as they have included accounts that are not mine.

3. **FCRA Violation Failure to Investigate Disputed Information ( 1681i ) ** - If these errors are not promptly investigated and corrected, it will constitute a violation of my rights under this provision.

4. **FDCPA Violation Attempting to Collect a Debt Not Owed ( 1692e ) ** - If any of these unauthorized accounts are being pursued for collection, debt collectors may be violating laws against using false, deceptive, or misleading representations in connection with the collection of a debt.
Product: Credit reporting

Was recently denied a credit card due to having delinquency/bankruptcy in my credit report. This has never happened to me. I went online to try and get my credit report and all questions to verify my identity at Equifax were entirely wrong- referencing mortgages I never had, paymants I 've never done, retail cards I 've never owned and more. It never accepted " None of the above '' for any of these. I reached out to Equifax, faxing them my drivers license and change of address form, to tell them that 1 ) I 've never been bankrupt, and 2 ) Every question they have on me is entirely wrong. I 've not heard back from them since.
Product: Mortgage

My mortgage account is setup with automatic payments. I attempted to update this on XXXX XXXX XXXX to debit on the XXXX XXXX every month instead of the XXXX using Rocket Mortgage 's website. I never removed automatic payment. 

I noticed this caused a late fee on XX/XX/XXXX the following month - so I spoke with customer support and asked the payment to be updated for the XXXX of every month so there are no farther late fees. He told me the account was updated/ resolved after changing that month 's payment to include a late fee. So I left the conversation feeling like my account was ok. 

The following month - no payment was processed at all because auto payment was apparently removed from the account. This was not resolved until I noticed on XX/XX/XXXX because of credit damage. 

I was told I was contacted by phone before the account was ever late- but never received any phone calls. I can prove this with telephone statements. 

I can also prove that there was sufficient money in my account during the time for autopayment to have been applied.
Product: Debt collection

My mom got an apartment in her name and the company REQUIRED my sister and I to sign because we were XXXX. My sister and I went to college and when we came home my mom had moved out without finishing paying. Eviction was placed on our credit. My mom filed bankruptcy in 2012.  This is still on my credit and it does not belong to me. As of today, I have filed disputes without any success AND my mom had to end up making payments on this after she already filed bankruptcy. It has been 7 years and I have not been able to get my own place.
Product: Debt collection

XXXX Hospital and many other hospitals in Kansas and probably elsewhere are ignoring the Obamacare Rules supposed to be enforced by IRS and in 501 ( r ) of the regulations. Only one provision of that section has any fine imposed. Many hospitals are ignoring the rest of the rules, and their cpa firms seem to be encouraging that practice. The debt in my case was sold to XXXX XXXX 's law firm in XXXX Kansas. This is all explained in a court motion I made in the collections case, and the Treasury article attached hereto. Also the law firm attempted to pad the judgment by approximately {$200.00}. The said I owed interest and etc amounting to over {$1000.00} and needed to pay that amount to avoid going to a hearing in aid of execution.. Later they could not substantiate that amount and were probably hoping I would n't notice. The could only account for less than {$900.00}. This also is explained in detail in the attached court motion.
Product: Student loan

I had a student loan with Lendkey which was on deferment while i was exploring opportunities to refinance. In late XXXX Lendkey notified me that I had to make a payment before XX/XX/XXXX otherwise my I would be reported delinquent. I made the payment on XX/XX/XXXX and received a email notification the payment had been processed successfully. On Friday XX/XX/XXXX i received a call from the collection department form Lendkey, asking for a payment. I informed them the payment had already been processed. They told me I was still due. After requesting a manager on the phone i found out the person who processed the first payment had used my outdated bank account number. I immediately updated the information and made the payment. 
I do not believe Lend key made sufficient due diligence to let me know the first payment had not posted yet. Because of their email stating the payment was successful I had no reason to believe it had not posted as no one contacted me to let me know it had failed. I am asking Lendkey to reverse their negative reporting to the credit bureau.
Product: Credit reporting or other personal consumer reports

1. Account name : XXXXXXXX XXXX XXXX  - This account was created by x spouse who taken my identity while on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is fraud as well I was never joint on any account with my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.NATIONAL RECOVERY AGEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To whom this may concern, As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). I was victim of this bondage starting in XXXX of XXXX and was not freed until XXXX of XXXX. 


I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from all of my credit reports for myself XXXX XXXX XXXX last XXXX Social Security number is XXXX, DOB : XX/XX/XXXX. Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX My only phone number is XXXX and my only address should be XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

Despite my multiple attempts to rectify this situation, these fraudulent items remain unaddressed, causing me substantial XXXX and financial XXXX. I would like to provide a brief overview of my efforts to address this matter : I first became aware of fraudulent items on my credit report and financial accounts. I immediately took steps to report the fraudulent activity to the relevant authorities and my financial institutions. Despite my commitment to resolving this matter, the fraudulent items continue to appear on my credit report and have not been adequately addressed by the credit reporting agencies or the financial institutions. This ongoing issue has caused me significant XXXX and financial XXXX I trusted that, as a victim of fraud, I would receive timely assistance and support from the relevant parties. I kindly request that you take immediate action to thoroughly investigate and remove these fraudulent items from my credit report and financial accounts. Kindly help me remove the following items immediatelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Water damage and have an insurance check but having trouble getting funds released. Bank is stating I am late after being in a foreberance and then into a trial modification. I have made all payments and am now in a modification of the mortgage but because Loan Care is stating I am still late - the company handling the insurance check will only release 25 % and I need 50 % so contractor can order supplies.