23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XX/XX/XXXX, a debt collector company called CAPITAL ACCOUNTS sent a collection notice for the amount of {$8300.00} from the original creditor of XXXX XXXX. This debt is not properly validated and has false information for the amount balance requested. 

XXXX XXXX is considered an " IN-NETWORK '' provider with XXXX XXXX XXXX. Since this provider is considered an " IN-NETWORK '' dentist - they agree with the insurance company to predetermined fees and won't bill you for the difference between their charges and the contracted fee. Therefore, this claimed amount is null and void. 

I have already filed a formal complaint and request for a formal investigation with the dental insurance and with the California Department of Insurance regarding such harassments and abusive practice from both the debt collector ( CAPITAL ACCOUNTS ) and XXXX XXXX. 

Please check the following attachment as additional evidence to my claim : Evidence 1 : Amount sent by the dental practice claiming an amount of {$4800.00}. Keep in mind that the dentist billed for service on teeth # XXXX in which has not been performed and can easily be proven since it is not in the mouth. Services should not be billed if not rendered. 

Evidence 2 : The bill sent again by the dental practice with an increase of {$7800.00} without properly breaking down the detailed amount to substantiate the claim. The Patient chart number is also inconsistent with the other billing ledger. 

Evidence 3 : A formal text message from the dental practice stating the original amount owed on XXXX XX/XX/XXXX XX/XX/XXXXfor the amount of {$4200.00}. You can see the inconsistency of the amount and despite claiming to be an " In-Network '' they continue to bill the client. 

Evidence 4 : This is the final ledger submitted by the collection agency ( CAPITAL ACCOUNTS ) claiming an increase of {$7800.00} and added their fee of {$520.00} and continue to increase despite without properly validating the debt. 

I believe I have enough evidence to present what is valid as a patient and willing to have the law enforcement entity investigate such fraudulent practice. 

If needed, I can also provide what was claimed by the dental practice with the insurance company to present transparency to my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

the employer information is wrong I have been with the same employer since XXXX and never report it. 
someone put realt mark associate this is a wrong reporting information please remove
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding the persistent presence of fraudulent items on my credit report despite my repeated attempts to have them removed. Despite providing extensive documentation and evidence to support the removal of these fraudulent items, they continue to tarnish my credit history. This ongoing situation not only undermines my financial reputation but also poses a significant threat to my financial well-being. 

It is imperative that immediate action is taken to rectify this matter. I expect a thorough investigation into why these fraudulent items persist on my credit report despite multiple requests for their removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. 

I urge you to prioritize this matter and take all necessary measures to ensure the prompt removal of the fraudulent items from my credit report. With this, I am asking for your assistance to correct the account : XXXX XXXXXXXX XXXX Balance Owed : {$280.00} ; XXXX XXXX Balance XXXX : {$2700.00} ; XXXX  XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX ; XXXX XXXX XXXX Balance Owed : {$2800.00} XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX XXXXXXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$4100.00} ; XXXXXXXX XXXX XXXX XXXX  XXXX Balance Owed XXXX {$2000.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$3100.00} ; XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXXXXXX XXXX Balance Owed : {$2800.00} ; XXXX  XXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance XXXX : {$0.00} XXXX  XXXX Balance Owed XXXX {$480.00} ; XXXX XXXX Owed : {$590.00} ; XXXX  XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXXXXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$99.00} ; XXXX XXXX XXXX Balance Owed : {$600.00} ; XXXXXXXX XXXX  XXXX XXXX Owed XXXX {$2300.00} ; XXXX XXXX XXXX Balance Owed : {$960.00} ; XXXX XXXX Balance Owed : {$190.00} ; XXXX XX/XX/year> ; XXXX  XX/XX/year> ; XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$6000.00}.
Product: Debt collection

I have no knowledge of this company and who they are but they have reported to the credit agencies. I have never signed a contract with them. 

Please provide my signature and the proof of the legal contract. Please also provide how you have verified this debt.
Product: Money transfer, virtual currency, or money service

My use in Cash App to transfer money in the last six years fraud and scam over security breaches on the mobile payment app.
Product: Credit card or prepaid card

PRE-SELECTIONS DID NOT MEET CRITERIA FOR PURPOSE OF THIS CORRESPONDENCE. THIS IS DEBT VALIDATION. SEE ATTACHMENT.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I attempted to freeze my credit with XXXX. Since it was a Saturday I could not get it touch with a real person. Instead I got put into a computer loop and could not freeze my credit because when I went online their system gave me another persons credit information. This is unacceptable! I have no idea where or to whom my information has been exposed. I entered all my information correctly how could the completely wrong data be retrieved!!
Product: Credit card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently placed a fraud alert on my credit report because I was the victim of identity theft. The account does not have my name or third generation attached. How was this account opened? The following account XXXX XXXX XXXX XXXX was opened fraudulently on XXXX/XXXX/2016. I have filed an affidavit with the local police department and sent copies of it to the credit bureaus. I also reported the issue to XXXX XXXX XXXX XXXX. Although, the company has not responded. I expect that it will be resolved quickly.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items 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 items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXXXXXX Balance : {$4200.00} XXXX XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I AM NOT LIABLE FOR THIS DEBT XXXX XXXX  I DO NOT HAVE A CONTRACT WITH XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

XX/XX/2021 chime sent an email to me stating that they were going to close my account within five days unexpectedly. So I reached out to them and the only thing they was able to tell me upon me asking why, was that I violate the agreement and to go read a section that explains it on website. My response was that I didnt violate the terms nor agreement of chime, I only receive my tax refund, stimulus, and work payments so how is that fraudulent activity. They couldnt answer my question. So on XX/XX/2021 I reached out to XXXX hes the one who invented chime and I havent received a response. This is not fair, for them to just close individuals account for no reason, and tell them theyll receive whatever funds thats in the account in the mail as a check.
Product: Prepaid card

I am writing to express my deep concern regarding an ongoing issue with my account and the funds that were issued to me as part of a dispute resolution. 

On two separate occasions, my funds were stolen from my XXXX XXXX account. However, on XX/XX/XXXX, I was informed that XXXX XXXX would be releasing my funds, and I was expecting them to be properly issued. Unfortunately, on XX/XX/XXXX, the check for {$18000.00} was voided without any clear explanation. 

When I contacted money customer support team to inquire about the situation and request clarification, I was advised to contact the State of California in relation to the check. However, this advice is incorrect. The funds in question were not originally issued by the State of California ; they were part of a dispute that was paid out by XXXX XXXX Therefore, the State of California is not involved, and they can not assist me with the issue, as confirmed by both the State and my state representative. 

I was also informed by the State of California that since these funds were are not the original funds by EDD ( Employment Development Department ) but instead were issued by Money Network, they are unable to provide any assistance or intervention in this matter. 

As such, I am requesting that Money Network release my funds promptly and provide a clear explanation as to why the check was voided. This situation has caused significant distress, and I urge you to resolve it as quickly as possible. 

Please advise on the next steps and provide me with a detailed explanation regarding the actions taken on XX/XX/XXXX. 

Thank you for your prompt attention to this matter. I look forward to your swift and fair resolution. Regulation E : This regulation, which implements the EFTA, requires banks to promptly investigate and resolve disputes regarding unauthorized electronic transfers. If the dispute involves fraudulent activity, the bank must return the funds to the original account holder. This is the law money network is not above the law.
Product: Payday loan, title loan, or personal loan

I had entered into a open mind credit loan with speedy Cash back in XXXX. I ended up getting sick and my job or 10 years was not able to meet my accommodations and had to terminate at the end of XXXX  in XXXX. I ended up not being able to pay off the loan and my car got repossessed. The title loan was paid off but the open my credit was left open. Due to my situation at the time ( my boyfriend of 10 years ended up kicking me out of my house after I lost my job ), I wasnt able to maintain any contact or knowledge on what happened with this matter. He recently I did get a title loan with speedy Cash and it was never a problem mentioned with that open line of credit line still being shown in their system. I did pay off The title loan and had recently gotten in contact with him to try to do A payday loan with them. Well I was trying to gain access to my online account and still was not able to ever successfully do so they advised me that they werent able to approve me for a payday loan even if I were to submit an application form. They stated that third-party was handling the collections on it and when I was transferred over they said that the lawyer by the name of cars had been paying on the title loan and gave me a number here locally to get a hold of them. I ended up not needing to pay the loan back trying to get a hold of the lawyer without success. When I called back Payday loan company to get for your information on what was going on with that that I was told after being transferred over several times to different departments and again to the out of office collections third-party collections, I was asked if there was another person that was associated with my account which I advised them I did not know that individual nor was anyone else supposed to be associated with the account. When I tried to get more information on this I was put on hold for a long wait after being transferred back from the third party collection company ( seemed like only the third party collections told me anything and the payday loan company concealed this info from me ), I was told that a lawyer would be in contact with me. My problem is with this is that after going through extraordinary House traffic loss events and having gone through a lot of the necessary hardships if it wasnt for me going back and trying to clear up any past billing situation I would never be aware of this. Im still waiting to hear back from the lawyer but for now I am concerned about seven years of going on eight ears of a lawyer that was paying some amount that couldve been possibly not match after the same company repossessed my vehicle and didnt ever put it on my credit report and only put me in a worse situation where it is affecting my credit negatively. In addition to allowing other peopleThat I have no clue who they are were allowed access to my account and who knows what happened Ive been concealed for me.
Product: Credit reporting or other personal consumer reports

I recently noticed that XXXX XXXX XXXX XXXX had used my Copy Written material without authorization. I sent them a cease and desist again to see if they will take care of this matter without involving legal action. I have attached a copy of the letter and the Common Law Copy Write along with proof of mailing.
Product: Payday loan, title loan, or personal loan

Pnc will not let me connect with XXXX app
Product: Debt collection

I have been hacked I made police report my identity was stolen and is being used
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit report agency online document submission option is not allowing me to submit my dispute supporting documents. I have tried multiple times to submit supporting document on my disputing items with this agency report. On XXXX XXXX, 2018 this credit report agency had me on hold, when called them by phone, for XXXX hours. My documents where not accepted because their upload website is automatically timing out when I hit submit.
Product: Payday loan, title loan, personal loan, or advance loan

Company had sent me a payoff quote which I then sent to my attorney whom then after mailed a check to payoff loa. With the quoted amount. This company has the audacity to keep charging me interest each day and more fees after paying off the loan. I contacted them and explained the attorney took care of the payoff and that unfortunately it was mailed out to which they received the check posted to the account and still keep charging normal regular payments. I called them again and they said they will keep charging fees till I payoff the Loan. At the end this company screws people over and just dont care of the way they work with customers, I have explained numerous of time its paid and they keep at it. I have as well sent email and the response is still not even taking in consideration the date of payoff and when check received. They now send me a new payoff with a {$240.00} balance to payoff. The original payoff was XXXX which was paid on XX/XX/year> I sent them an email and requested this be looked at but they state they have the right to charge daily interest. Please people DO NOT USE PERSONIFY they will keep burning you for money. They will do as they please to drain you and call you XXXX to 5 times a day!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, XXXX CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1963 ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

XXXX {$450.00} XXXX {$120.00} XXXX XXXX  {$180.00} These accounts do not belong to me. I have attempted to resolve this issue of these accounts being falsely being reported on my credit report with XXXX, Experian, and XXXX, but the credit reporting agencies refuse to correct/update my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS LISTED ON MY CREDIT REPORT THAT I NEVER SIGN FOR OR USED
Product: Credit reporting or other personal consumer reports

The company CHECKR shared a background check to my employer without my written consent. This company also shared negative information that is over XXXX XXXX XXXX with my employer. This is unacceptable. They are in violation of the FCRA as well as the Privacy Act of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Multiple requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$3900.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX... Balance : {$1700.00}
Product: Debt collection

XX/XX/2016, a {$690.00} collection account from Midwest Recovery was added to my credit report. I disputed it with both XXXX and XXXX and since the company did not verify within 30 days that it was a true debt, it was removed. 

Now XX/XX/XXXX I have received calls on my cellular, at work, my friends and family have been contacted by a company called XXXX XXXX - XXXX XXXX - they are trying to serve me papers for a pending lawsuit. This is completely embarrassing and they are harrassing me and family members for something i do not owe. 
the number they call and text from is XXXX and stating i should call XXXX to pay a debt i do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting and account #, has violated my rights : 15 U.S.C 1681 Section 602 A. States that I have the right to privacy 15 U.S.C 1681 Section 604 A. Also states thats a consumer agency can not furnish a account without my written instructions
Product: Payday loan, title loan, or personal loan

XX/XX/2020 ( Approximately ) I spoke with a representative at Cape Fear Finance XXXX XXXX XXXX, XXXX, NC XXXX in person to apply for a {$300.00} loan. I was not provided information regarding the terms of the loan. I went back in person the following day after providing my social security number for a credit check ( I have a social security security freeze with the bureaus ) I was approved for the loan through a credit check however, was told I was denied because I needed to provide serial numbers to prove ownership of a lawn mower, television, ect. to qualify. I was declined because I own none of the items they were requesting. My complaint is because the representative neglected to provide disclosure information regarding the application requirements of ownership of a lawn mower, television, ect. before processing a credit report on my behalf.