23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The doctor scheduled a XXXX with XXXX XXXX XXXX. XXXX called and stated that they had ran the insurance and got me prequalified and the XXXX would be cover 100 % with no co pay or down payment needed. Three months later I received a bill for {$1400.00}. I called the billing department and explained what happened. I was told by the billing Manager that a mistake was made by the department and the would be billing the insurance back and it would be billed the correct way to clear up mess that was made. The bill was turned over to XXXX XXXX XXXX for collection. I reach back out to XXXX XXXX XXXX and was told that it would be removed off my credit because they was the one that made the mistake,. The Item was removed off my credit report but put back on by Medical Revenue Services. I called back to speak to the manager at XXXX XXXX XXXX but had to leave a message and I could not get a return call back. I called Medical Revenue Service and spoke to XXXX. He refused to let me talk to the manager to try and get this problem corrected. XXXX stated that the manager did not have time to talk with me about this problem. This is the 3rd time a bill had to be cleared up with one collection but put back on by Medical Revenue Services.
Product: Credit reporting or other personal consumer reports

15 USC 1681 602 states I have the right to privacy 15 USC 1681 section 6048 sections it also states a consumer reporting agency can not furnish an account without written instructions from the consumer.

15 USC1692c ( A ) Without the proper consent of the consumer giving 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 their collection with of any debt. There is a need to ensure that Consumer reporting agencies exercise their grave responsibility with fairness impartiality and respect for the consumers right to privacy according with the written instructions of the consumer to whom it relates to this is a clear violation of my privacy. Therefore Immediately I want the following accounts delete it off my consumer reports. Experian XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX & XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was offered a job. I just retired from the state after almost 30 yrs as a XXXX XXXXXXXX in XXXX mass and a XXXX XXXXXXXX with the XXXX XXXX XXXXXXXX XXXX in mass. So XXXX XXXX in XXXX XXXX XXXX XXXX XXXX, XXXX Ca. XXXX had to do a background check and drug test on me for the job, no problem. I had a drug test around XX/XX/2018 and another one on XX/XX/2018 both came back negative dilute. I was so appalled that I asked my doctor to take one and it came up negative. Also they said something was in my background check and I looked it up and saw absolutely nothing. So I didnt get the job because these people lied. I was in law enforcement for a long time and got tested every year at different times. Never did it ever come back negative dilute. How many other people have these people lifes have been destroyed because of them. Id like this rectified and the company notified that I was going to start working for notified, this was far from the truth. Im also informing the attorney general office. Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine. Also, there is an address in which I have never lived there.
Product: Money transfer, virtual currency, or money service

{$2800.00} XXXX XXXX transfer XX/XX/20 Cancel XX/XX/20 called bank XX/XX/20 XX/XX/20 Call bank 20 times Reason mom gave me the cash for the XXXX I didn't know she was coming to do that ... please help Try to Pick up can't because it was a refund and ID was stolen and I have it now ... please give it back I have no grocery and I'm homeless ... I just lost my house to day I cancelled the money transfer because no ID ..at the time I been emailing corporate and call for 3 weeks. I will submit pictures of the email also 5 different times I been waiting to talk to someone I just get hang up on im very confused the bank is treating me like XXXX. Also some girl was laughing when I said I will be home less Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

FOR THE PAST FEW MONTHS I HAVE BEEN TRYING TO GET XXXX OF XXXX XXXX BUT I HAVE NOT HAD ANY RESPONSES. I SENT MULITPLE DISPUTES AND GOODWILL REQUEST BUT HAVE HEARD FROM NO ONE. 

I REGULARLY MAIL MY PAYMENTS TO XXXX XXXXXXXX. ON A XXXX OFF SITUATION, MY CHECK WAS STOLEN AT THE XXXX XXXX THEREFORE CAUSING MY ACCOUNT WITH XXXX TO BE LATE. AS SOON AS I FOUND OUT, I SATISFIED MY OBLIGATION. AS YOU CAN SEE, THIS IS COMPLETELY OUT OF MY CONTROL AND I AM ASKING WITH HUMILITY THAT MY LATE PAYMENT WITH XXXX  BE RECALLED AS A RESULT OF FRAUD/THEFT. 

I HAVE ATTACHED MY LETTER I SENT TO XXXX BEFORE AND ALSO INCLUDING A POLICE REPORT I FILED ABOUT THE CHECK THEFT. PLEASE HELP WITH INVESITGATING THIS ISSUE AND RECALLING THE LATE PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit act, this creditor has violated my rights. Under 15 Usc 1681 section 602 states I have the right to privacy. Under 15 Usc 1681 section 604A section 2 it also states a consumer reporting agency cant not furnish an account without my written instructions. Under 15 Usc 1666B a creditor may not treat an payment on a credit card account under an open and consumer plan as late for any purpose.
Product: Credit card

I was unable to access my account online. I spent between XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX on XX/XX/year> speaking to associates of Capital One about me not being able to access my account online.I still am unable to access my account. 
I told them that this is the worst treatment I have ever encountered with a credit card company in getting access to a credit card account. 
The company is Capital One. 
The credit card is Capital One Venture Master Card. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX
Product: Debt collection

On XX/XX/17 a debt validation letter was sent to this company in response to a medical debt collection I was sent and unaware of. XX/XX/17 this company sent a detailed letter and breakdown of services that were rendered by a local hospital in which is a violation of Hippa. I  never sign any authorization for any on my medical information to be disclosed what so ever. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third-party. On XX/XX/17 I responded by writing a letter to the compliance resolution department stating the above and that I would like the invalid information from reporting on my credit report. No resolution was made at all. This is a violation of the fair credit reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening I have called several times to TransUnion stating that I need to file a dispute on fraudulent inquiries that I have no knowledge of and I also explained that someone is using my social and applied to several different places also I have called the companies where the inquiries were ran and they directed me to the credit bureau I have a total of over 80 inquiries that I did not authorize and most of them are from car companies recent from 2019
Product: Student loan

I am a social worker and am applying for the Public Service Loan Forgiveness program. I completed graduate school in XXXX. Since then, I have been employed by eligible employers and have been making automatic monthly payments through FedLoan, my servicer. 

FedLoan has an inaccurate count of my payments. According to FedLoan, I am eligible for loan forgiveness in XX/XX/XXXX. They claim that I requested loan forbearance in XXXX and deemed payments that I made in XXXX, XXXX, XXXX and XX/XX/XXXX ineligible. 

I have never requested forbearance. According to my records, I should be eligible for forgiveness in XX/XX/XXXX. I made three additional payments in XXXX, XXXX and XX/XX/XXXX that XXXX count under the XXXX PSLF waiver, but I will need to provide an employer verification form. If successful, that would move my estimated forgiveness date to XX/XX/XXXX. 

I have spoken to several FedLoan representatives to address my concerns, most recently on XXXX XXXX, XXXX. At that time, my estimated forgiveness date was listed as XX/XX/XXXX. After the review, my estimated forgiveness date was changed to XX/XX/XXXX.
Product: Checking or savings account

On Thursday, XX/XX/XXXX myself and my XXXX business partners went to a XXXX branch located in XXXX, Arizona to open a joint bank account for our XXXX XXXX. I funded the account with {$700.00} from my personal small business bank account that is associated with my individual LLC. The following day I was notified that our account was not going to be opened due to reasons nobody can seem to explain to us, yet the check I provided was cashed. We were told by the Branch staff member that our checks would be mailed back to us. 
After numerous phone calls and visits to various XXXX branches in XXXX, I have yet to receive my money back almost 7 weeks later. I continue to get the runaround and I'm told that my account has to be verified with my phone number. Despite advising the XXXX staff that my LLC is not associated with a phone number, they continued to provide me with that as the only answer. I was then told last week they could provide the check if they were able to verify my account with XXXX  XXXX XXXX. An escalations department member named XXXX had me on the phone for an hour while she apparently was trying to call Bank XXXX XXXX and reportedly was unable to get through. She told me that Bank XXXX XXXX was in fact verifying my small business account is mine, but she said this is not good enough and had to speak with someone live. I called XXXX  XXXX XXXX and tried to merge the calls so XXXX could speak with a staff member at XXXX and was subsequently hung up on. Nobody is providing any explanation as to how to move forward nor providing any timeline on how or when I will receive my money back.
Product: Credit card or prepaid card

( a ) Attempts to resolve this with XXXX XXXX are futile ... I was disconnected after requesting, then demanding a supervisor. 

( b ) Month after month, I have issues with XXXX having a friendly digital relationship with my XXXX  XXXX XXXX.. First, I can not efficiently use my online bill pay feature with XXXX due to a cooperative institution to institution relationship. Secondly, XXXX must then cut a check and send it as though this is some small mom & pop creditor. Then the payment of my transactions are greatly delayed. Creating the need for me to call every month and demand they clear a XXXX check so I can use my card. 

( c ) Made a purchase with XXXX on XX/XX/XXXX and discovered the hotel was grossly over rated and I should not have been charged this amount of XXXX.. This charge should be disputed as
Product: Credit reporting, credit repair services, or other personal consumer reports

I took a look at my credit report only to find out that someone has opened a XXXX XXXX Bank charge account. That was opened on XX/XX/2022. This is not my credit card account. Someone is using my identity to obtain good and or services without permission from me.
Product: Checking or savings account

The following amounts were charged on 3 separate days ( XXXX ) but XXXX waited until XX/XX/2023 to post the charges from lowest to highest by manipulation of the bank backend code, to hopefully cause the account holder to overdraft and be able to charge fees for each overdraw, but the total balance was XXXX which left XXXX, I checked the account on XX/XX/2023 and it was missing another XXXX. Leaving XXXX in the account. They are intentionally deducting money from accounts to induce overdrafts that can be charged, and if the " Deductions '' are in error account holders will dispute, and they reverse BUT the bank still gets to report the erroneous fees in " Income ''. 

See Below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was informed that I owed a full month 's rent for damages incurred to an apartment rental until. I asked how the amount was determined and asked for an itemized list of repairs as the charge was for " dry wall '' and " paint '' repair for pictures that I had hung. I was told by the apartment manager the bill would be updated when the final repairs were made. My deposit was taken ( {$350.00} ) and I was told I was to receive an itemized bill which was never provided. Instead the company sent the debt straight to a collection agency. I have asked ProCollect Inc to work with XXXX XXXX to document the actual bill, but they refuse to and tell me I must provide proof I do not owe the debt. When I ask what that would entail, they do not answer but repeat " Nevertheless, the debt is due XX/XX/XXXX. ''
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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. 

XXXX XXXX AND XXXX XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I disagree with the accounts listed below which still appear incorrect on my credit report, even after your investigation. I would like these items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : # XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX In accordance, with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 


XXXX  Facts : XXXX  is aware and has proof in the attachment labeled as XXXX XXXX XXXX account # XXXX, XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ). 


The inaccurate reporting of both my account status and payment status by XXXX account XXXX XXXXXXXX, XXXX Account XXXX  XXXX is causing harm to my credit reputation and financial standing. 

All items listed in XXXX XXXX are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Also, update my personal information to my credit report. 

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Credit reporting 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 XXXX XXXX XXXX. 

XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXXStates I have the right to privacy. 

XXXX XXXX XXXXXX/XX/XXXXXXXXXX/XX/XXXX: It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XX/XX/XXXXXXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXXXX/XX/XXXXA 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items in question. listed below continue to report on my credit report in violation of federal law. These items in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items in question., I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because both Equifax and XXXX are refusing to remove incorrect and unmailable addresses from my credit report. The addresses in question are : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These addresses are not associated with my current or past residence and should be removed from my credit report. 

Additionally, both Equifax and XXXX are reporting incorrect employment information for " XXXX XXXX, '' which is not and has never been my employer. 

Relevant USC Codes : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports - This section stipulates that no consumer reporting agency may include incorrect or outdated information in a consumer report. The presence of these incorrect addresses and employment information violates this requirement.

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - This section requires consumer reporting agencies to reinvestigate and correct inaccurate information in a consumer 's file. Despite my request, both Equifax and XXXX have failed to correct the inaccuracies. 

3. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies - This section mandates that information provided to consumer reporting agencies must be accurate and complete. The refusal to remove incorrect addresses and employment information indicates a failure to uphold this responsibility.
Product: Debt collection

I hold three accounts with Synchrony Bank : Paypal Credit CareCredit Amazon.com Store Card All three accounts are in default/collections. While the phone calls to me are within the bounds of the law under the FDCPA and the TCPA, they have begun calling family members multiple times a day utilizing robocallers to ask for me. They are improperly contacting and sharing information with my sister-in-law. They are also potentially using spoofed phone numbers in order to not be trackable.
Product: Credit reporting or other personal consumer reports

The company kept giving incorrect account balances and payment amounts. This went on for XXXX years. The account was finally settled with a signed settlement but my credit has still not been repaired. XXXX XXXXXXXX XXXX caused my account ton show numerous late payments for over 3 years but has yet to resolve them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request 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 : XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXXXXXX Balance : {$18000.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Received a letter from Chase that they are closing my credit card account, which I have had for 18 years, based on a 'reputational risk ' to the bank. When calling, they confirmed the letter is legitimate, but will not provide any additional information other than accusing me indirectly. Specifically stating that I must have done something that would create regulatory risk or potential fines for Chase, such as when someone opened an account at a XXXX dispensary ( which I have not done ). They refuse to provide any other information, other than essentially accusing me of illegal activity ( they mentioned money laundering as well ).