23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I was seen at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, for a XXXX. I was XXXX and had a BRIEF consultation with a physician. I was placed in a XXXX and discharged. For that, I was billed an outrageous amount of {$3000.00}. The hospital deducted {$1000.00} and the insurance paid, leaving a balance of {$1300.00}. 

After arriving back home in XXXX, I went to see my own doctor on XXXX who also XXXX and made an assessment and billed me {$470.00}. 

My insurance paperwork from XXXX XXXX of XXXX states " The amount billed is greater than the amount allowed for this service. Based on our agreement with this provider, you 'll not be billed the difference. '' I repeatedly receive bills from XXXX XXXX and have twice sent in my insurance paperwork as well as faxing the same. XXXX XXXX has never responded to me as to their agreement or dispute of the paperwork. I was surprised then, to receive a notice from Professional Credit Service, located at XXXX XXXX XXXX, XXXX, XXXX XXXX ( or XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX ) attempting to collect this debt of {$1300.00}. 

I feel the exorbitant amount charged by XXXX XXXX, especially when compared with my doctor 's visit just 4 days later, was a deliberate and excessive charge on a patient residing out of state. My XXXX residence hinders me challenging this as I can not travel back and forth to obtain information and, as I 've mentioned previously, the hospital has refused to communicate in any way.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the collection account reported by XXXX XXXX XXXX on my TransUnion credit report, with a balance of {$110.00}. This account, reported as opened on XX/XX/year>, and listed under the original creditor as " XXXX XXXX  XXXX, '' does not belong to me and should be deleted from my credit report. This same account was previously disputed and subsequently deleted from my XXXX and XXXX credit reports after they conducted their investigations. The fact that this account does not belong to me has already been acknowledged by XXXX other major credit reporting agencies, further proving that this information is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), I have the right to dispute any inaccurate or incomplete information on my credit report. TransUnion is legally obligated to conduct a reasonable investigation into the dispute. If the information is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted. Given that this account has already been deleted from my XXXX and XXXX reports, the accuracy and legitimacy of this information are clearly in question. Furthermore, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The continued presence of this erroneous account on my TransUnion report, despite its removal from XXXX and XXXX, suggests a failure to meet this standard of accuracy. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information, such as XXXX XXXX XXXX XXXX have a duty to report accurate information. The fact that this account was removed from the other credit reports indicates that XXXX XXXX XXXX XXXX have violated its obligation to provide accurate information to TransUnion. Given these strong legal defenses, I respectfully request that TransUnion delete this account from my credit report immediately. The continued presence of this incorrect information is damaging and must be rectified without delay. 
Please provide written confirmation that this account has been deleted from my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I am lodging a formal complaint today to report that I have fallen victim to fraudulent activity. Upon conducting thorough research on the appropriate steps to rectify the fraudulent entries in my credit report, I discovered the necessity to file an identity theft report with the FEDERAL TRADE COMMISSION at https : //www.ftc.gov. As per FCRA section 605b, Credit Reporting Agencies are mandated to expunge any items listed on an identity theft report. Enclosed herewith are the relevant documents to facilitate the removal of the erroneous information and fraudulent items that have been inaccurately posted on my report.XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I uploaded a dispute letter to Experian on their website, requesting specific information on how they have verified the accuracy of the bankruptcies on my credit report. 

Public Record Court Name : XXXX XXXX XXXX XXXXXXXX XXXX Number : XXXX Court Name : XXXX XXXXXXXX XXXX XXXX XXXX Number : XXXX Specifically, I requested that Experian provide the following information : The Date You Contacted the Creditor/Furnisher Name of the Person Who Verified the Item Method of Communication Used to Verify Information Did the Creditor Provide SSN, Address, and Date of Birth Despite my clear and thorough request and providing my driver 's license, a copy of my SS card, and proof of address, I have not received any response from Experian. According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Experian has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit reporting agencies must ensure the accuracy and completeness of information in consumer credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF ID THEFT. THE INQUIRIES LISTED IN THE FTC REPORT ARE A RESULT OF SOMEONE ATTEMPTING TO ACQUIRE CREDIT OR OTHER SERVICES IN MY NAME WITHOUT MY CONSENT.
Product: Checking or savings account

Unfairly charged overdraft fees for normal amount of year,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX, have 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 count without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$990.00} XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$5100.00} XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX hard inquiries. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and XXXX  fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX 27 times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a Virginia address and I live in North nCarolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX accounts that hit my credit report in XX/XX/2023. I did not receive any correspondence from XXXX XXXX, nor XXXX. XXXX has allowed XXXX to double report this item on my report. I also tried to resolve this with XXXX and provideded them with proof of my current lease and I was not living in XXXX Texas where the services were. I also found that all XXXX credit reporting agencies are allowing the collection agency XXXX XXXX XXXX XXXX, for XXXX and XXXX double report the accounts on my credit reports to further bring my credit score down. 

Up until this happened, my credit was stellar and because XXXX, XXXX, and TransUnion allowed the XXXX items to be erroneously reported, my credit score has gone down more than 138 points. XXXX XXXX XXXX XXXX, nor did XXXX or XXXX contact me to let me know I had an outstanding balance. 

My nephew got the utilities switched over in his name, a few months after I moved out and he was paying the monthly bills. I did not know I had a balance although he was paying under my name. But I also was not notified of those balances and I called and sent letters via XXXX to both XXXX and XXXX and never heard back from him. 

My nephew has since sent me the money to pay for the accounts off. But, I still was not notified via US Mail that I had an outstanding balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and I see numerous inquiries I didnt authorize Section 604 25 usc 1681 b -credit bureau does not have the right to report anything on your report without written consent.

Section 605a 15 usc 1681 c-1 With no consent your company is currently committing identity theft. 

Section 605 b 15 usc 1681 c-2 Requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to properly notify the the furnisher of the information. 

XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/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 XXXX XXXX - Account # XXXX The above account have violated my rights. 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. 

Attached is a copy of the title for my vehicle that proves that this account was PAID IN FULL. The company is incorrectly reporting this account as a charge off.
Product: Debt collection

XXXX XXXXCalled company in question to again state that I had closed this account voluntarily months ago.The female in the collections department was aggressive and inappropriate in her conversation with me.I had explained that due to failing health I had closed this account.The finance charges are outrageous.Predatory in nature.They have repeatedly sent me notices and contacted me by phone.They offer a XXXX XXXX Rewards XXXX but it is virtually impossible to receive the awards.The credit card company employs rude individuals in the customer service department-as well.
Product: Checking or savings account

In XXXX I opened an account with Suntrust in XXXX, Florida. Two weeks after the account was opened they automatically closed my account and I didnt know the reason why. For the past 6 years I have been trying to open accounts with different banks only for them to close out my account and tell me that Suntrust was the root of my problem. XXXX  XXXX XXXX informed me that Suntrust put an AFX out which give banks a red flag on my name and I didnt understand the reasoning. Over the years Ive been trying to get answers and on XX/XX/XXXX I found out I was a victim of identity fraud. Someone tried to cash false checks on that account. I tried to dispute it with Suntrust and the told me I couldnt because my account is closed. Im very hopeless and not having a bank account or able to get an account has hindered me over the years. If there is any help I can get from this horrific nightmare I would appreciate it. I am a victim and it has really cost me from being able to grow and have things financially and emotionally
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problem with XXXX Credit Bureau and Transunion I sent so many letter and XXXX send me the result and the stuff was remove and those XXXXwo credit bureau refuse to remove all I am getting from XXXX verified updated and meanwhile XXXX is deleted/ removed them from my report XXXX XXXX XXXX XXXX was removed from my XXXX account but still showing three time same thing on my Transunion and XXXX credit report and they refuse to remove it please update it between XXXX on XX/XX/2019 and XXXX XXXX XXXX was removed also from my XXXX credit report and XXXX   and Transunion still have it in the system please remove it was removed from between XXXX on XX/XX/2019 and XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX was removed XXXX XXXX XXXX was removed ( XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian completely ignored my disputes and replied with a cookie-cutter response through their e-Oscar!! On XX/XX/2023 Experian received a certified dispute for all of the following : 1. Remove all the inaccurate addresses from my report- they retaliated by removing the accurate one and leaving the rest. 

2. Method of verification request for XXXX XXXX and XXXX- they sent me a 21day verified with no explanation or proof of how. 

3. Proof that I authorized inquires by XXXX XXXX, Experian Business Credit, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX- they completely ignored it. Experian thinks they are above the law and congress or that people who challenge their reporting are peasants!

Im honestly in shock at the predatory behavior by Experian! They knowingly and willfully are doing everything they can think of to violate the fcra and ruin peoples lives in as many ways as possible!
Product: Mortgage

I ASKED FOR DISCLOSURE OF POTENTIAL CLOSING COSTS, IN ORDER TO SHOP FOR RATES AND FEES WHEN REFINANCING MY MORTGAGE. THE REPRESENTATIVE, XXXX XXXX, I'VE BEEN WORKING WITH ONLINE AND ONE TIME OVER THE PHONE, WOULDN'T GIVE ME THE CLOSING COSTS. INSTEAD, SHE OFFERED THAT " MOST '' OF THE CLOSING COSTS INVOLVE TITLE STUFF. THIS IS UNFAIR, AS MY CREDIT UNION SUPPLIED THE POTENTIAL COSTS DIRECTLY AND UPFRONT. SHE TRIED REALLY, REALLY HARD TO 'SELL ' ME ON AN EQUITY LINE, AFTER DISCUSSING MY NEEDS AND DESIRES. I DIDN'T WANT THAT AND TOLD HER UP FRONT I WANTED A REFINANCE. ALSO, PNC REFUSED TO ANSWER THEIR PHONE ON MULTIPLE OCCASIONS AT THE BRANCH. I HAVE TO DRIVE THERE AND GET IN TO ASK QUESTIONS.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX 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 Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I mailed a certified letter of dispute to Equifax. It's been XXXX days and I've yet to receive any verification or validation for the inaccurate accounts listed on my credit report. This lack of consideration is causing me to feel disregarded pertaining to this important matter.
Product: Debt collection

CFPB has already intervened to have this debt resolved, but the original company, XXXX XXXX XXXX, has sent it to another debt collection agency, despite confirming that the debt was the result of their error. 

My complaint is this : XXXX XXXX started service at an address in another state and incorrectly assigned it to my account. I received a first bill, at which point I contacted them to say the service address was not mine. Then I received a final bill for {$110.00} for the same incorrect address, and again contacted them to say it was not mine. I just received a letter from a debt collector for the amount of the final bill. The attached is a copy of the final bill. I have no connection to this property ; I have never been to and do not know anyone in XXXX, SC. 

The first debt collection company, XXXX XXXX XXXX confirmed that the debt was in error and deleted it from their system. It now seems to have been passed to another debt collector, Online Information Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a leasing organization in the XXXX area who I had an apartment leased from. Per XXXX rental code they were legally obligated to attempt and release my unit at a fair market value when I left the premises, I was to pay the rent until they did that. The company never made any attempt at mitigation, and spent months arguing with me instead of trying to release it, even after I asked for communication to stop ; which in the city of XXXX eliminates their ability to collect debt. The organization was sent a cease and desist letter from a lawyer outlining they were not able to collect this date. They immediately after sold the debt to Keynote Consulting. This is an illegal debt, and XXXX investigation did not eliminate the debt.
Product: Mortgage

My Mortgage servicer wrongly reported 2 late payments in XX/XX/XXXX & XX/XX/XXXX. Both claims were actually the mortgage company 's fault so I appealed both charges 3 times. Their response letter agreed with one fault that caused the late payment in XXXX but dismissed the second fault that caused the late payment in XXXX. No adjustments to my credit report were made. They served my address with a foreclosure notice instead. 
When I inquired of the foreclosure notice, the mortgage company had no record of sending one. I then disputed my uncorrected report with XXXX 3 more times by submitting my evidence of timely payments made and the letter of admission from Mortgage company that caused the first negative remark but XXXX 's solution was to appeal my Mortgage company. All instances involved the mortgage company failing to send notifications of service changes & I have all of the proof necessary.
Product: Money transfer, virtual currency, or money service

Using Cash app I ran into numerous issues with money not being available immediately and needing multiple refunds but every time I wanted to speak with someone, no one was available. Also there was no XXXX XXXX number for customers to call!! Lastly when trying to receive my Bitcoin the identity verification never recognizes me. I requested help numerous times, submitted my information and I still have not gotten help. I have been with cash app for over 9 years.
Product: Credit reporting or other personal consumer reports

I am a very well know public figure. My information got in the hands of individuals who wish harm upon me and have used my information to obtain credit fraudulently.
Product: Credit card or prepaid card

I opened a credit account to purchase new flooring on or about XX/XX/XXXX. My credit limit was {$3500.00}. My purchase was made under a promotion and I made sure to pay off the entire amount prior to the expiration. The original charge was approximately {$3000.00}. I always made more then the minimum payment and the final payment was made mid XX/XX/XXXX. On XX/XX/XXXX, I received an email from the credit company indicating that they had done a review of my credit report from XXXX, and they had made the decision to lower my credit limit to {$1900.00}. I was very upset about this and called the company, I received no help by anyone, even after escalating to a higher manager. I was told that they reviewed accounts every quarter. This was the first Time this had ever happened to me. I was very upset. A week later, on XXXX, I received another communication from the company referencing the same XXXX credit report but now stating that they decided to close my account. I called the company again and escalated two levels of managers and was basically told they can do whatever they want. I explained repeatedly that what they were doing was unfair and I felt was a direct result of my complaisance the week before with one of the managers. Again, I was told they can close my account and mess up my credit score if they feel like it. I asked for a copy of the policy and was told that they didnt have anything they could provide. I feel that I was treated unfairly. The closure of this account will have a direct and negative result on my credit score.