23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX - XXXX XXXX : I requested billing department, medical records department, and patient relations department at XXXX XXXX XXXX XXXX in XXXX XXXX & XXXX XXXX for documents supporting the level of medical decision making required to justify the CPT code billed. 

XXXX XX/XX/XXXX - I sent an email to XXXX patient disputes, disputing the CPT  code entered and requested level of medical decision making required to bill the CPT code. No response received. 

XXXX XX/XX/XXXX- I sent an email to XXXX patient disputes, again requesting level of medical decision making required to bill the CPT code. No response received until XXXX XX/XX/XXXX. 

XXXX XX/XX/XXXX - XXXX patient disputes emailed me their first response, but did not provide the requested documentation. 

XXXX XX/XX/XXXX - I pointed out that they have not provided the requested documentation, and requested follow-up with proper document requested to justify the medical XXXX  code that was billed. 

XXXX XX/XX/XXXX- XXXX XXXX XXXX XXXX left a voice mail that my medical bill went to collections. 

XXXX XX/XX/XXXX - I sent a letter to XXXX XXXX XXXX stating that my dispute with XXXX has not been resolved. 

XXXX XXXX - XXXX - I continued contacting XXXX XXXX XXXX XXXX in XXXX XXXX and XXXX  XXXX  for requested documents. 

XXXX XX/XX/XXXX - XXXX XXXX XXXX replied that they have verified the debt with XXXX XXXX XXXX XXXX, even though my dispute with XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted XXXX XXXX XXXX to inform them that my dispute with XXXX XXXX XXXX XXXX and XXXX has not been resolved. 

XXXX XX/XX/XXXX : I contacted XXXX XXXX XXXX XXXX patient relations department informing them that I have not received any document justifying the level of medical decision making required to bill the XXXX code ( amounting {$2700.00} ) when they didn't order a single lab test or imaging, didn't provide a single prescription, and didn't provide any final diagnosis, and I already paid what they quoted me for the patient portion ( {$330.00} ). 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received the requested documentation. 

XXXX XX/XX/XXXX : I received a phone call from XXXX XXXX during my work meeting. I let them know that I'll call them back. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX after my work meeting. I received no response. 

XXXX XX/XX/XXXX : I left voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : I sent an email to XXXX XXXX patient disputes, stating that I have not received any response. I received no response. 

XXXX XX/XX/XXXX : I left a voice message to XXXX XXXX. I received no response. 

XXXX XX/XX/XXXX : Derogatory mark on credit report as XXXX XXXX XXXX reported to credit bureau despite my dispute with XXXX XXXX not having been resolved.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is American Coradius International, LLC. # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ) .However, in my records I am unable to locate documentation that they complied with thisrequirement, which is a violation of the FCRA & FDCPA . Also, American Coradius International, LLC.

failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) American Coradius International, LLC. failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation.American Coradius International, LLC. is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where American Coradius International, LLC. is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. American Coradius International, LLC.. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listed as one of the possible victims of the recent experian credit hack.
Product: Credit card or prepaid card

This company repeatedly " holds '' payments in limbo without giving consumer credit for the payments they've made, even after he company acknolwedges the receipt of the payment AND it has cleared the bank, for WEEKS. 

I have a {$5000.00} credit limit. I paid off my balance in early XXXX. Care Credit shows the payment was received by them on XX/XX/2022. The payment cleared my bank on XX/XX/2022. However, Care Credit has not given me credit for the {$1000.00} payment that cleared my bank XX/XX/2022. When I call they state that because it's a large amount, or because I made multiple payments during the billing cycle, they have to wait for it to clear my bank- it has cleared! They just refuse to give credit for it. This happens every month where it takes weeks for them to give me credit for my payments. 

I tried resolving directly with the company but the customer service reps seem unable to provide any info other than reading from a list of reasons why payments are not credited - even though there is a XXXX balance and they confirm receipt of the payment. When asking to speak to a supervisor or manager, I am transferred to a location where I am on hold for 40+ minutes without anyone ever picking up the line. 

Care Credit accepts payments from their customers, acknolwedges those payments, but repeatedly " holds '' the funds so that consumers are not able to take advantage of a XXXX balance and their full credit limit. After repeated attempts to get a supervisor on the line, I was finally able to speak with " XXXX. '' She reports that the company holds every large payment for 10 days to ensure it clears the bank. The funds have cleared. They cleared over a week ago. I believe this company is unlawfully denying consumer the benefit of their payments so that it can benefit from the funds sitting in their account while denying consumers access to the credit they've been given. In essense, holding funds in an account to accrue interest while denying customers access to their credit. 

As you can see from following attachments, as of this afternoon, XX/XX/2022, Care Credit still has not credited the payment I made on XX/XX/XXXX or XXXX, that Care Credit received on XX/XX/2022, and that cleared my bank on XX/XX/2022. 8 days after clearing my bank, I am still only given access to a credit amount less that {$1000.00} payment made 10+ days ago.
Product: Credit card

Capital One refuses to issue credit balance refund of over {$1800.00}. They stole my money fir nearly one year. They keep making excuses for stealing my money. Ive provided them with identity proof with my id and social security card but they still wont send. My utility bill is in my roommates name so I cant give cap one that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't authorize any company to open my credit report please have this credit increase removed immediately XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automobile Dealers, Used Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Date Filed XX/XX/XXXX Type All Banks - non specific Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Personal Loan Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Bank Credit Cards Phone Number Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Auto Financing Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX  Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Date Filed XX/XX/XXXX Type All Banks Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Filed XX/XX/XXXX Type Telephone Companies Phone Number MAIL ONLY Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-NY Date Filed XX/XX/XXXX Type Telephone Companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
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 has violated my rights XXXX. XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've spoken with Central Financial Control on several different occasions in regards to the inaccurate item being reported towards my credit. They are causing great stress and an emotional strain on me financially and physically. Not only is this information inaccurate, but it 's in violation of HIPAA. I 've reached out to the original creditor to see why they forwarded this item over to collections when my insurance paid on my behalf, they had no answer. I 've spoken with several reps from CFC ( Central Financial Control ) and to no avail they were no help and very rude. I am giving this company 30-days to remove this inaccurate item and update all three credit bureaus, if not I will be forced to proceed with legal action against this complaint.
Product: Prepaid card

I got a random email from XXXX stating that I asked for a verification of some sort at XXXXXXXX XXXX on XX/XX/year>. 
I have never signed up for a wisely account and would like to have this account closed by any means necessary. I have tried calling them by the phone numbers on their website, but no one picks up for me. I would like to make sure there is some sort of block to ensure this does not happen again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/23 BANK XXXX XXXX XX/XX/23 XXXX FED XX/XX/23
Product: Debt collection

This is not a duplicate Allegiant response lack what I asked for. This is also a Final Notice Allegiant responded to complaint # XXXX stating no monetary relief is due which is false according to 15 U.S.C 1692. The Fair debt Collection Act prohibits debt collectors from using abusive and deceptive practice when collecting on an alleged debt which Allegiant treated as an option. As stated before IN COMPLAINT # XXXX, On XX/XX/2022 XXXX ( Allegiant employee ) threatened to damage my credit, harm my physical reputation and used obscene and propane language violating 15 U.S.C. 1692D- ( 1 ) ( 2 ) and! 5 U.S.C . E ( 8 ). The call was recorded as you guys state before beginning the conversation, as well as I had visitors at my home the time of the conversation that witnessed the call as well as the frustration and anxiety I endured during the call. I called to get information on an email I received from your business without my consent and was told to receive more information on the alleged debt then the one statement they had, I had to pay for them so they can pay for more information which is vey deceptive. XXXX tried to coerce me into paying the alleged debt which an violation not only under the FDCPA but also an violation under Regulation F of the CFPB and the FTC also prohibit coercing in means of collect an alleged debt. You guys also used deceptive and misleading practice by providing a false contract also a blank contract. XXXX XXXX stated the debt was still being collected on until my call to Allegiance when the manager sent it over after the call, not before before as XXXX XXXX stated after talking to the manager there calls are also recorded and can be obtained and used as discovery. Please be advised, rather you sent the debt back is not the moral of the story my federally protected rights was violated while the alleged debt was in your possession from your abusive and unfair practice. This is the final notice with me acting in good faith trying to dispute this controversy, if we cant come to an settlement agreement for you guys violating my federally protected rights as stated on the invoice, then I will pursue with legal matters as this situation has caused me including but not limited to anxiety, frustration, mental anguish which Im entitled to actual and statutory damages.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Owed : {$9500.00}
Product: Payday loan, title loan, or personal loan

I paid {$180.00} on XX/XX/2023 and {$180.00} on XX/XX/2023. I came up with a payment plan but Mariner Finance does not issue payment plan confirmations. I called last week multiple times and got no answer. Today XX/XX/2023 I called to speak with my account manager XXXX who was very rude and degrading, she brought up person matters that we have discussed about my account. She was very disrespectful, I asked to speak with her XXXX XXXX XXXX she was just as rude and nasty, I asked her if she could switch my account over to another employee she was rude. I asked to speak with her XXXX XXXX XXXX he was even more rude and unapologetic to a customer calling to get their account taken care of. I do even know if my funds are going to the right account. There is no receipt being issued for my payments. I do no trust these three individuals with handling my account. The amount of interest accrued on the account is ridiculous. I called to speak with a rep in XXXX, NC no one seems to know what is going on at this company and if I am paying the amount of money that is owed. I need proper customer service and I have not received anything in regards due to the progress on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Acct XXXX XXXXXXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion can not verify the Debt ( XXXX XXXX # XXXX ) yet continues to report it! 
How did they verify this account when I have documentation to prove that this account can not be verified? 
Under the FCRA unverified accounts must be removed! 
I've reached out to the Original Creditors. Calls and email. 
Both companies stated they have no records of the account/ no knowledge of the account. Both companies also sent an email stating no records of the account. I have uploaded documentation I received from both Original Creditors
Product: Credit reporting, credit repair services, or other personal consumer reports

my name is XXXX XXXX and im writting today, In accordance with the Fair Credit Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
acct name : XXXX acct. # XXXX acct name : XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXX XXXX  acct # XXXX acct name : XXXX  XXXX bank acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX XXXX XXXX acct # XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXX XXXX acct XXXX XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX acct # XXXX acct name : XXXX XXXX  acct # 's XXXX, XXXX acct name : XXXX XXXX acct : XXXX acct name : XXXX XXXX acct : XXXX XXXX XXXX, XXXX acct name : XXXX  acct # XXXX acct name : XXXX XXXXXXXX acct # XXXX has violated my rights. 

15 U.S.C.1681 section 602 A. States i havev 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. 

these inaccuracies are causing me not to purchase a home or estabish any new credit.
Product: Credit card or prepaid card

On XXXX I placed several calls to the number that was located on the back of my unemployment State issue card. I was calling in regards to a pending transaction of a total of {$250.00} that was should have been already posted to my account when I noticed I was being charged XXXX XXXX every time I place the call. When I called the number on the back of my card it prompted me to put in the last XXXX digits of my card number as well as my PIN number before it would prompt me to pick another option I had to put in that information in order for it to give me an option to choose from. When finally speaking to the representative I questioned her regarding this issue and told her I was not calling in to check my balance because I had already knew that because I have the app on my phone she's stated she didn't know why it was like that then I asked to speak to her supervisor after she stated that that transaction is still pending and that's all she could tell me at the time. After speaking with the supervisor I asked the supervisor why am I being charged XXXXXXXX XXXX when I'm placing a call to the number on the back of my debit card that I'm not checking for the balance I'm calling in regarding to a pending transaction of {$250.00} that should have post been already posted my account. She's stated to me that's just the way the system is set up and I stated to her that is very misleading because I was aware that I would be charged if I would calling to check my balance however, it did not let me have another option to choose from unless I put the required information that the system was asking it and I should not be charged XXXX XXXX just to call in to talk to somebody and that it wasn't right and that I would be reporting them. The supervisor then acted as if she couldn't hear me and as if we got disconnected and she hung up. Transactions are from IVR Balance inquiry fee and listed below 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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit card or prepaid card

Today XX/XX/2022 I received a call from my dad about a Capital One credit card being opened in my name. There is over {$2000.00} of charges so I've been told. I've been out of the country for a couple of months and I'm now trying to resolve this issue before I return.
Product: Credit reporting, credit repair services, or other personal consumer reports

this account belong to someone else please removed it from my credit report. 

XXXX XXXX XXXX XXXX Account Number XXXX Account Type Collection Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1200.00} Balance Updated - Credit Limit - Past Due Amount {$1200.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1200.00} Comments - Payment History
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts are reporting on my credit reports that are incorrect 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

In accordance with the Fair Credit Reporting act XXXX XXXX, Account # XXXX and XXXX XXXX XXXX Account # XXXX and XXXXXXXX XXXX Account # XXXX and XXXX XXXX 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