23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There are two medical bills from XXXX Hospital, one from XX/XX/XXXX and one from XX/XX/XXXX that is now in the hands of Eastern Account Systems a collection agency. This hospital either failed to submit to the insurance companies or is trying to get paid twice for the same bill. I never received a bill from the hospital for services stated above only an invoice from the Collection Agency dated XX/XX/XXXX. My insurance companies of XXXX and XXXX would of covered the services on the dates mentioned above. Now I have a Collection Account on my credit reports from the shady Eastern Account Systems. I was forced to hire a Financial Consultant to assist me with this scam company. They refused to work with him stating they " are not authorized '' to speak with a third party. Who gives them such authorization? It cant be me since technically its not my account and they are not even authorized to speak with me since there is a cease and desist order! All this company did was send me a shady so called " invoice '' that looks made up and is not even verifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian online credit account was accessed by a person who has my identity information and is calling Experian and telling them he is locked out of his account. He then is granted access and he changes my password, email, and phone number on the account. I leaned that my account was taken over when I tried to log in. I called Experian and was able to prove my identity. I regained control of my account. Then in XXXX of 2021 I tried to log in and it was taken over again. 

I reported this to Experian and now I bought their credit monitoring service. I believe the criminal will just call them and convince Experian that he is me and take over my account again. I already had credit freezes and alerts on the 3 credit agencies. The person was successful at opening up a bank account in my name at XXXX XXXX in XX/XX/2021. 

I need Experian to not allow a person to call in and get an email to make a new password. I have not been compromised by computer. My information was exposed from the XXXX information hack years ago. I need help stopping Experian from allowing a person on the phone from getting access to my account.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service, and unfair practices which, violate the Consumer Financial Protection Act ( CFOA ). Specifically, Cash App failed to take timely and effective measures to address and prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

.On XX/XX/2024 it's been XXXX  days and they haven't responded, this affects according to the law section 611 they must remove evrything that is not verified from my credit and i am a victim of equifax XXXX XXXX. on XXXX  XX/XX/2024 i sent a letter regarding inaccurate and unknown things on my report its been mor than XXXX  days they havent responded yet, i feel like they are taking their time and taken advantage of me by ignoring me. I want these accounts to be removed. from my report as per FCRA section 611A I surely was a victim of the Equifax XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit was sold illegally to a third party that holds no merit with me or property at hand, legal name. 
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 written instructions 15 U.S. Code 1692c - Communication in connection with DEBT COLLECTORS ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with THIRD PARTIES Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

( c ) CEASING communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being TERMINATED ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified REMEDIES which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt. 
( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, EXECUTOR, or ADMINISTRATOR. 
My rights have been violated several times over and I keep reporting this over and over and have been reported to this agency previously and to the third party by mail stating no such double payment shall be issued. By statute I am due relief and remedy the same as XXXX XXXX XXXX has already been issued via 1099-A by the treasury. Again no malice is being issued, only frustration peaceable.
Product: Debt collection

In XXXX of 2024 BRIDGECREST was paid twice, with both payments being processed and applied to the past due balance. The notice from XXXX end month stated the past due balance was {$960.00}. 

They were then paid {$470.00} and the payment is cleared at my bank. 

They were paid a second payment of {$450.00}, also cleared at my bank. 

The past due amount in the XXXX month end notice as of today regardless of CFPB letter sent has increased, no payment deduction made. 

There have also been harassment calls.
Product: Debt collection

I was charged misapplied payments, fees and other charges, plus additional interest. This resulted in my vehicle being repossessed.
Product: Debt collection

Debt Collector : ProCollect XXXX XXXX XXXX # XXXX XXXX TX XXXX, Representative for this company is a Mr. XXXX, I have repeatedly asked that all communication with this company be via mail, they still continue to call and call at any hour of the day. They also continue to call my employment even though they were never given this number and have been asked to not contact. I have repeatedly asked that they not contact my Ex-Husband on his cell phone regarding a debt that is not associated with him at all ( divorce final over 6 years ago, debt is from 2019 ), the last call was on XX/XX/19 to his voicemail. I have sent a certified letter XX/XX/19 to this company specifying their violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Explanation : To my knowledge, these multiple inquiries were unauthorized. I would like to be provided proof that I consented to these inquiries via FCRA section 609 and 605 as well as their accuracy per FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Credit reporting or other personal consumer reports

Zelle pay has used funds incorrectly without my knowledge
Product: Payday loan, title loan, personal loan, or advance loan

On XXXX received call from XXXX @ XXXX XXXX XXXX. 
XXXX stated she can help with a deferment plan and also help with removing the incident that happened in XXXX. 
XXXX didnt remember what she has said during the conversation. 
XXXX didnt offer the additional she mentioned from the beginning of the call. 
XXXX laughed at me, very unprofessional. 
XXXX was hesitant to provide me phone numbers and address. 
XXXX did help with the deferment however the verbiage provided was too quick to fully understand and not clear. 
XXXX said they sent me via mail and email details of a deferment plan however I never received such notifications. 
If proper communication was done via mail or email with a deferment plan, the late payment and additional interest charges would have been handled immediately and not till XXXX. 
XXXX was advised that communication should be done via mail or email. 
Best practices were not utilized by XXXX or the company.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. I have identified the following accounts and inquiries on my credit report that I did not authorize or provide written consent for and have not been properly investigated : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a XXXX order on XX/XX/XXXX for {$31.00}. The driver got lost and quit mid-order never delivering the order. This was confirmed by calling the XXXX contact number for XXXX deliveries  of XXXX. Multiple reps confirmed the order was cancelled and a refund issued on XX/XX/XXXX. The XXXX  rep gave me a confirmation/transaction number of XXXX. To this date ( XX/XX/XXXX ) XXXX Citi Visa ( XXXX XXXX XXXX ) has not credited my account for the refund back on XX/XX/XXXX. 

I submitted a dispute with XXXX Citi on XX/XX/XXXX describing what had happened, providing a full description, transaction numbers and contact numbers to confirm a refund was issued to my account which was still not showing up on my XXXX citi card. The case ID for this dispute is XXXX. After a month, I received a letter stating that since it had taken so long, my case would now be reviewed every 2 weeks until it is resolved. One week later I get another notice stating that my dispute had been closed without resolution. I called back into XXXX Citi customer service to see why this happened and why no one finished the case. The rep stated that he would escalate the issue to the supervisory team. Instead, on XX/XX/XXXX, the rep opened a brand new dispute case with case number XXXX. 

When opening the new case, the representative input incorrect information, made up a contact date, insinuated that I tried to contact the seller and was unsuccessful and I was then notified that I needed to provide all information from the original case and start all over again ; the original case was never escalated to a supervisory team, instead customer service opened a brand new case and told me to start all over again. 

Yesterday I received notification both cases had been closed, neither with resolution. I disputed this on the website and asked that they look into my case because all information they need is within the cases they just closed again. In response I was sent a form letter stating to upload all documentation and information to the website which was already done in the original case. This company is charging me {$80.00} plus dollars per month in interest and can not figure out that 1 ) I already provided all the information and they closed the case without resolution and 2 ) its a small {$31.00} charge for a refund that was already issued yet never credited toward my account that they're wasting everyone 's time with.
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 account 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 Balance Owed : {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts don't belong to me. Please remove them from all 3 credit reporting agencies.

Please see below the list of accounts that are reporting derogatory on all credit reporting agencies : 1. Identity Theft CAPITAL ONE / SAKS F Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX. 
Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account XXXX : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

In XX/XX/XXXX, I had an emergency medical in XXXX XXXX NV - away from home. I was treated in ER and was hospitalized. Numerous bills resulted from hospital, ambulance company, other doctors that treated me. I requested payment plans with most of them. 

I received an invoice from XXXX XXXX XXXX, XXXX mid XXXX. I entered into a payment plan with them for {$25.00} per month XX/XX/XXXX. I did not realize the would not deduct the {$25.00} per month automatically like the other arrangements I had made. 

On XX/XX/XXXX, I received one letter from Transworld Systems Inc a collections agency letting me know they were trying to collect a debt from XXXX XXXX XXXX. I checked my file for all of my medical bills from my XX/XX/XXXX hospitalization and had no such bills from that name. 

I received two calls in XXXX one on XX/XX/XXXX and another on XX/XX/XXXX, both made to my cell number and from an off shore collections agency from XXXX with a very thick accent saying he was trying to collection a debt from XXXX XXXX XXXX. He asked me to verify by SSN and date of birth both times and I refused since it was an off shore company and call and I could barely understand the caller I told him I was not comfortable verifying my DOB or SSN over the phone and on both calls asked for a letter to be sent to my home address so I could verify the debt. I got no such letter. 

On XX/XX/XXXX I got an alert that a derogatory account was added to my credit bureau impacting my credit rating and score. I called the number on the notice through the credit alert and I called it about a dozen times, it would connect me to a voice mail that was full. So, I was able to finally connect with Transworld Systems on XX/XX/XXXX. They said they would go back to the doctor billing office and explain the confusion with the different names of the billing and the collections notice and basically said there was nothing that could be done. 

As of today, I have paid the collections agency in full for {$250.00}. Now, I want to dispute the collections practices. There was an error on my part when I set up the payment plan in XXXX for {$25.00} a month. I thought they would take the money out every month and they didn't and since it was not paid they sent to collections. 

The name on the Collections notice was for XXXX XXXX XXXX but the name on the actual invoice from the Doctor that I made the payment plan with was XXXX XXXX XXXX, XXXX. I did not know that the collections agency debt was for XXXX because the collections notice said it was for XXXX. 

When the collections agency called me on XX/XX/XXXX and XX/XX/XXXX I would not verify my info and I asked for a letter via mail to verify the debt. Neither call resulted in a letter and therefore they did not allow me to verify the debt. 

Transworld Systerms Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Spoke with XXXX XXXX I spoke with Tranworld approx. 7-8 times to resolve this.
Product: Debt collection

Hello, Starting in XX/XX/XXXX this company starting putting that I owe this balance from XXXX. 
I've tried to contact his company about this balance. I'm wondering why this is on my account reporting late and why such an old balance and its posted like I'm behind now. 
it has the last date of activity is XXXX of XXXX and its reporting that I'm late 120 days. please help me. the account is : Dyck O'Neal- Account # XXXX - Dyck Oneal-Account # XXXX. Dyck O'Neal- Account # XXXX. Dyck Oneal-Account #  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

My identity was stolen and numerous accounts have been opened. I believe these frauds obtained my information from major data breaches such as EXPERIAN data breach and Equifax Mass Data breach. I am trying to get a new SSN but this has been a nightmare. I Sent Experian, Transunion, and Equifax a copy of my FTC ID Theft report and proof of ID.These fraudulent accounts were opened using my name, SSN, and DOB.This is obviously because the information was stolen, I have never been associated with these accounts. REMOVE THESE ACCOUNTS IMMEDIATELY. This is in direct violation of the FAIR CREDIT REPORTING ACT 605B, 611, 609, AND US CODE 1681B
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. 

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: Debt collection

Professional Account Service, INC called me to collect a debt for medical bills that I am currently making payments on and am up to date. Company stated that I was in collections and had not been making payments. Tried to explain that I am making payments and they stated that not all of my accounts were combined and that my payments were n't being put towards the debt amount in collections. I paid the amount. The following day I checked with the accounts payable department where my medical bills were and they stated this has happened to other people and confirmed that I have been making payments on time and my debt should not and is not in collections. This is fraud and is treating patrons unfairly and misrespresenting debts to patrons that are not in collections that can bring undue stress to individuals. This practice should be stopped and they should represent debts fairly and truthfully.
Product: Debt collection

Account was added to my XXXX report as a collection. Do not have a XXXX and have never taken out an auto loan out with this company. This does not belong to me. 

When calling agency to remove, they stated all information does not match my information with the exception of them using my social.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on XXXX, XXXX, and Transunion. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX : {$10000.00} XXXX XXXX XXXX XXXX : {$10000.00}