23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

For a dental service, I received a bill of XXXX $ to be paid in full to the dental provider. However, my insurance has already paid a part of the bill, amount XXXX $ to the dental provider and also mailed me a letter with all the details mentioned. I currently owe XXXX XXXX A lot of months were spent by the billing department at the dentist 's office to figure out to send the correct bill coding to my insurance. and that's why there was a delay in sorting the bill issue from my insurance company. After the insurance received the correct codes, they issued payment to them directly and sent me a letter stating the same. 

However, I never received any revised bills from the dentist 's office stating the pending amount from their end. Instead, now I am receiving repeated calls from the collection agency stating that it has been more than XXXX months since the service. They are not even acknowledging the payment made by my insurance to the provider. I emailed the debt XXXX the proof statement from my insurance clearly stating that the payment has been made to the dental provider and I owe only a part of it. Still, the debt XXXX keep calling and asking me to pay the full amount, ignoring the rest. 

The main point is neither the dental provider nor the debt XXXX are acknowledging the payments made by the insurance company, but are asking me to pay more than what I actually owe, which I would think is a fraud.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXXXXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX 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, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX & XXXX XXXX XXXX : XXXX. XXXX, XXXX
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 ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and | 21 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA #XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX
Report Created On: XX/XX/XXXX
File Number: XXXX
Page 1 of 23
Date Opened: XX/XX/XXXX
Responsibility: Individual Account
Account Type: Revolving Account
Loan Type: FLEXIBLE
SPENDING CREDIT
CARD
Date Updated: XX/XX/XXXX
Last Payment Made: XX/XX/XXXX
Original ChargeOff: $XXXX
Pay Status: >Charged Off<
Terms: Paid Monthly
Date Closed: XX/XX/XXXX
Product: Prepaid card

On XX/XX/year> I was a victim of a crime where my phone was taken from me ( stolen ). the accused somehow obtained access into my phone which allowed him access to my passwords and accounts and through multiple transactions sent himself money from my account ( savings/checking ) and online payments for transportation services. the crime and all this was reported to the authorities which chime was provided everything from the info to the officer that took the report to the detective investigating. chime approved some of the small transactions but denied my larger amounts and could not provide a clear and valid reason for the denial.
Product: Credit reporting or other personal consumer reports

The company sold my credit card debit to another company and I agreed to the terms with that company. So the old company needs to be removed from collections because Im making payments with the ppl they sold my debt to. Ive made 2 payments already in the XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of accounts which are still reported when it is clearly inaccurate and violates the FCRA. The wrong balance, date and status should be a clear example.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled up my credit report and saw all of these unauthorized inquiries. I did not apply for employment with an of these organization nor did I request credit from any of these organization. Please Remove from my report. 


XXXX XXXX  XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXXXX/XX/2018XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX  XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX XXXX   XX/XX/2018 XXXX XXXX XX/XX/2018 XXXX  XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX XX/XX/2018 XXXX XXXX XXXXXX/XX/2018 XXXX XXXX XXXX  XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX acct # XXXX, XXXX XXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

Beginning in XXXX of XXXX, the mortgage I had with XXXX  XXXX XXXX was sold to a third party and maintained by M & T Bank. By XX/XX/XXXX, I began receiving calls from M & T Bank stating the mortgage account was past due. I explained to each representative which called, the account was not past due as all payments had been made. In XX/XX/XXXX, M & T Bank began refusing payments, stating the amount had changed ; which I had not been informed of. Then in XX/XX/XXXX, I received notice M & T Bank had begun foreclosure proceedings. At this time I began attempting to resolve the issue, with zero efficiency as no lawyer would consider taking the case. In XX/XX/XXXX, I attended the hearing as a last effort to stop the foreclosure proceedings, but was told by the judge the foreclosure was confirmed and the bank had only need to have the XXXX XXXX schedule and conclude a sale of the property. This occurred in XXXX of XXXX. During the course of the proceedings, I continued to get the information I needed from XXXX  XXXX XXXX proving what I had informed M & T about from XXXX. In XX/XX/XXXX, I received a letter from XXXX  XXXX XXXX stating they had made an error during the sale of the mortgage.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed that there were accounts reporting that I do not recognize. These remarks have been detrimental to my life and credit health.
Product: Payday loan, title loan, personal loan, or advance loan

On or about XX/XX/XXXX  I used my affirm account to purchase tires from XXXX online. The tires were the wrong size and no services or tires were received. A refund for the services was placed back to my affirm account, but the cost of the tires was not. Upon contacting both XXXX and Affirm to investigate this matter ; to date still no refund has been issued. Affirm placed a letter in my account dated XX/XX/XXXX  that the loan was deemed true and I was responsible. I again reached out to affirm who directed me to XXXX and stated they were not able to assist further. I explained I am a customer in good standings and don't understand why you would attempt to charge me for items I did not receive without a full and thorough investigation. At this time XXXX is still promising a refund and Affirm states they have no information of such and refuse to pursue a refund on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves the massive XXXX Security breach. I froze my XXXX report and had no charge for doing so. However, XXXX and Transunion demand fees before freezing my credit report. 
Since this breach was caused by XXXX, I do n't believe that I should have to pay for the XXXX and Transunion freezes.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy. 

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. 

I have tried over and over for the past 8 months to dispute and remove 3 loan accounts XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. These companies have been on my credit report due to identity theft and fraudulent charges not made by me. I've submitted documentations such as FTC reports and Police reports to Experian to furnish to the creditors. Experian has yet to remove the accounts even with substantial information claiming the creditors deem the accounts as valid. I applied for XXXX and XXXX XXXX XXXX XXXX in XX/XX/2022 while being XXXX to help with my XXXX XXXX however i did not get a chance to use the cards because they were stolen and used by a thief. There is also a fraudulent closed auto loan by the name of XXXX XXXX that i did not authorize. I backed out of the deal once i was advised i would be a co-borrower. The agents agreed to remove me off the loan application and come to find out later i was still on the loan. I've sent letters and reports and police reports to have the company remove me from any business with XXXX XXXX they still have not removed me from the account. I am requesting the companies remove me from their databases as these accounts were inaccurately reporting and not handled i the correct manner to take the proper steps in resolving these issues.
Product: Mortgage

I share a home with my son and his husband. We each pay half the mortgage. We explained this to XXXX XXXX, our mortgage consultant. We made our first payments, both paying exactly half of the payment due. And then we received a late notice. When I log into the account, the bank has allocated the payment into " unapplied funds '' and explains " when you do not pay a full payment, we will hold the funds in unapplied funds until partial payments being held in unapplied funds equal the total amount due. '' Because the two payments equal exactly half the monthly payment due, the bank 's criteria was met by the two payments, and I am tired of being pressured to open accounts that I don't want to make a single mortgage payment. This is what XXXX XXXX did to their clients and I will not allow BofA to do it to me.
Product: Checking or savings account

Capital One restricted my personal bank account without notifying me about it. When I called I was unable to get anyone, there was an answering service that told me to leave a message with my name, account number, and phone number and they would called if needed in 48 hours. When this didn't happen I called back and had to make a selection on the automated system for something that had nothing to do with my issue in order to speak to someone. When I finally spoke to someone I was told that the account would be closed. I wasn't given a reason verbally or in writing about the incident and had to make a request for it. I was told that a request would be put in. When asked how I would received funds that were still in the account I was not given a straightforward answer. The customer service representative stated that they would allow me to access my funds to take the money out. When I found that this couldn't happen, I called backed and was told that I would receive a check and that the bank would bounce all deposits back. However, the bank still took a deposit after I was told the account was closed, and didn't give me an answer on how I would receive my funds.
Product: Credit reporting, credit repair services, 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 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX
Product: Debt collection

Several calls are being made by the Leviton Law Firm stemming from different area codes and jurisdictions. False names/ identities are being used as the person leaving messages attempting to collect an alleged debt. The do not provide their contact details nor do they/have they submitted any debt verification in writing. The only unethical and illegal tactics ( identity theft/fraud ) - assuming the identity of a non-existent person- are made via telephone. Additionally, they are now making extortive threats alleging serious and complex litigation that " would be best avoided '' by use and pose " serious '' problems for us. SUMMARY : They are using assumed and false identities and
using telecommunication devices to perpetuate their identity fraud and theft. This firm does not adhere to any legal standards as supported by the FDCPA and the CFPB regulations.

We respectfully insist this firm and their tactics being deployed by ADMINISTRATIVELY pursued for complete and full remedy - to include involving the FTC as well as the US Attorney for IL as well as the FBI pursuant to the use of telecommunication devices in perpetuation of the use of false identities and other illegal tactics via telecommunication devices.
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 15 USC 1681. 


I sent letters to XXXX, Transunion, and XXXX as well as use a third part service such as XXXX XXXX to make disputes asking them to verify and comfirm the accuracy of the the following accounts : XXXX XXXX XXXX XXXXXXXX and if they couldn't show proof by law have to remove those accounts. However, after sending those letters and disputing with XXXX XXXX I wasn't notfied about the status of my investigation or given any proof that states these accounts are verified and accurate. Therefor these accounts should be removed but that wasnt the case. I also have proof of the inaccuracies with these accounts across all 3 credit bureus. I am also concerned as to why I have seen no changes to my credit report after making several attempt to reach out to diffent credit reporting agencies. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.
Product: Credit reporting or other personal consumer reports

XX/XX/2024, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They do not report any bankruptcies to anybody. '' So if that is the case, how did the credit bureaus verify my bankruptcy as 100 % accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureau violated my given rights under 15 USC 1681.

According to : 15 USC 1681 section 602 A. States I have the right to privacy.

According to : USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

According to : 15 USC 1681-s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is in accurate. 

Also LexisNexis has deemed it unverifiable and it is not displayed within LexisNexis consumer report.
Product: Credit reporting or other personal consumer reports

My account with 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 in those account 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 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: Payday loan, title loan, or personal loan

Took out a installment loan which has, like most loans, a payoff amount which reduces the amount of interest that I pay out during the duration of the loan. For example, If I borrowed XXXX, @ 85 % interest my payment would be about XXXX. If I pay more than the XXXX, the extra funds go directly to the XXXX to reduce the loan amount minus the interest. 
On XX/XX/XXXX I took out an installment loan from Worth Finance, the business is located on XXXX XXXX XXXX XXXX XXXX Texas [ XXXX ] XXXX, I've been making all my payments on time. At times I've made bulk payments in the amounts of anywhere from {$300.00} to {$400.00}, figuring that the payments were bringing down the loan amount minus interest. Interest is added after the bulk payments has changed the loan amount. 
What Worth Finance has been doing, they've used the bulk payments as monthly payments, by doing that they have been collecting interest @ 86 % and never adding the bulk payments to reduce the loan amount. As you can see, if a customer pays out the loans early, they, Worth, losses interest. 
The contract that I signed makes no mention that they have the right to do that. If they would like to do such a thing I must be notified in writing, which I have not ever seen, much less received. It's in clear violation of the contract. When I approached the clerk, initials XXXX, I was told the computer does that they don't. Regardless it's not in the contract that such actions are being done with my or anyone else 's bulk payments. 
I'm sure they have doing it for month 's if not longer, I notified the Consumer Protection Division off XXXX XXXX here in Texas, to no avail. I'll be meeting with the manager today for the 3rd time to resolve the issue. 
My account number / XXXX XXXX/XXXX Office loan XXXX XXXX was my address at the time. I met with an company employee on XX/XX/XXXX. Issue was not solved. Again, blaming the computer as the culprit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have just checked my credit reports within XXXX XXXX XXXX XXXX. On XX/XX/XXXX BB & T reported my on-time payments for XX/XX/XXXXthru XX/XX/XXXXXX/XX/XXXX. However, when I checked my credit reports, on XX/XX/XXXX, for XXXX XXXX XXXX XXXX XXXX, the reports showed that BB & T removed the receipts of my on-time payments for XX/XX/XXXXthru XX/XX/XXXX. On XX/XX/XXXX, BB & T reported to XXXX, XXXX XXXX XXXX that my last mortgage payment was onXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and fraudulent information has been reported under my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following accounts and inquiries from my credit file : Fraudulent Accounts : 1. Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX  Balance : {$0.00} 2. Creditor Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX  Balance : {$140.00} 3. Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXXXXXX XXXX Balance : {$1500.00} XXXX. Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Date Reported : XX/XX/XXXX o Balance : {$1100.00} Fraudulent Inquiries : 1. Creditor Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016, someone without my knowledge or permission used my personal identity to get a mortgage loan in my name. I contacted XXXX  and TRANSUNION several times to remove this fraudulent account from my credit file, as this is causing great stress in my everyday life. 

XXXX  and TRANSUNION investigates this issue and always report to me that the fraudulent information is accurate and can not be removed. 

I have submitted several police reports to XXXX  and TRANSUNION and they continue that the fraudulent information is accurate. 

This is my fifth time disputing this matter and I am the victim of identity theft. A California administrative judge have found that I have been a victim of identity theft, but for some reason XXXX  and TRANSUNION refuses to delete this fraudulent account from my credit file. 

Attached with this dispute is ; Drivers License, US Passport, Birth Certificate, Utility Bill and Addresses for Two Years. 

Current address : XXXX XXXX XXXX XXXX, TX XXXX Previous address : XXXX XXXX XXXX XXXX XXXX, TX XXXX