23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Between CreditCare and the three credit bureaus, medical charges are reported on my credit report.

According to you, the Consumer Financial Protection Bureau medical bills are no longer included in the United States credit reports. You finalized this rule, the Consumer Financial Protection Bureau ( CFPB ).

I disputed the issue with all three credit bureaus but did not prevail. I then called CreditCare, but I did not prevail.

Situation : XXXX XXXX recommended that the credit card be used to pay off the balance for my dental procedure. The document I am submitting is the receipt for the dental services ; the letterhead states XXXX XXXX and the charge is to CreditCare. 

Please, note that the CreditCare Card according to their advertising and website is for various medical services. I am speciflying these details because CreditCare tried to tell me they are just a credit card.
Product: Debt collection

Called to get my account number and was not giving the info.. I've not set up a account with this company and wasn't notified on this account ....
Product: Debt collection

Malchol and Johanson LLC Filed papers at the courthouse in my county threatening to sue. This was for a credit card from about 7 years ago. I set up a payment plan and made the first payment of {$100.00}. However in order to send them another payment they were supposed to send me a receipt that reflected the amount I paid. After several attempts to get a receipt, they still have failed to do so. Now theyve threatened me with my account is in default. After several calls today, still no reply.,
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of several unauthorized accounts and inquiries listed on my credit report. I am a victim of a recent data breach, and these accounts and inquiries were fraudulently opened or accessed without my authorization. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that you permanently remove the following entries. 
Unauthorized Accounts XXXX. XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$4600.00} XXXX. XXXX XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$6600.00} XXXX. XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$2700.00} XXXX. XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$6600.00} XXXX. XXXX OF XXXX - Account ending in XXXX - Opened XX/XX/XXXX - Balance : {$6500.00} XXXX. XXXX XXXX - Account ending in XXXX - XXXX XX/XX/XXXX - XXXX : {$9500.00} Unauthorized Inquiries XXXX. XXXX - XXXX XX/XX/XXXX XXXX. XXXX - XXXX XX/XX/XXXX
Product: Student loan

As of XXXX XXXX began overpaying/underpaying accounts allowing some to go delinquent then they sent me to collections. It took a month for XXXX to retroactively allocate funds to underpaid accounts and fix my credit. In XXXX, I pre-paid XXXX and XXXX yet received a letter seeking more money for XXXX. I spoke with them and they claimed that someone turned off prepayment in XXXX and would fix it. A week later I saw my account was asking for more money to cover XXXX. At that point I realized that they were not capable of resolving the issue. 

I filed a XXXX  claim and have been back and forth with XXXX. I shared XXXX  complaint and responses with loan and banking professionals. They concur that XXXX made a series of errors and the responses do not reflect an understanding of the problem or resolution. In plain terms, they said XXXX doesn't know what it's talking about or has decided it would rather I make another overpayment to fix their mistake and go away. I do not want to make multiple payments for the same month because XXXX overpaid XXXX account at other accounts ' expense. XXXX needs to learn how to do its job. 

XXXX needs to go back and redistribute my monthly payment to cover all of my individual accounts so that they are current. Doing so will show that I do not owe any money for the month of XXXX. Failure to do so is evidence that XXXX is incapable of doing what it is paid to do, which is manage student loan payments. 

In short, XXXX 's only reasonable response to my complaint is to do what it is paid to do, which is take a monthly payment that meets or exceeds the minimum requirement on the statement and ensure all accounts are up to date.
Product: Credit card

I signed up for a PayPal account back in XX/XX/XXXX/XX/XX/XXXX and somehow they gave me a {$500.00} credit line. I did n't want this line of credit, I did n't need it, I did n't ask for it or could I afford to pay another bill. I thought all the purchases were going to my credit card. When I got a bill I was unsure what it was ... because I did n't sign up for anything, I just thought it was a statement. Then I learned it was a credit line/bill I immediately called to have it transferred to my card which they would not let me do. I have emailed and emailed, called & called ... with no help from them. They added all sorts of ridiculous fees. I have taken time from work, have received calls from collections and too other many headaches to mention and now I am fed up. I saw where they have an action against them now and I have proof they were shady ... how can I go about getting fees back, compensation for time and effort/headache and restore my credit? PLEASE HELP ME AND INCLUDE ME! I can provide emails, statements & maybe pull a call log via XXXX, if that 's possible. I even tried calling them today and they claim they ca n't find me ever having an account. They refused to transfer me to anyone above the call center.
Product: Checking or savings account

My Wallet was stolen with all my information in it including id and debit cards, credit cards. And today I received an email that someone had open a jp chase account today XX/XX/21 under my name using my ssn.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a Certified letters out to the credit bureaus. My tracking numbers are XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX asking them to reinvestigate my accounts The Credit bureaus stated 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 was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A section 2 The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report as well and now isn't the time to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquire on my Equifax report for XXXX XXXX XXXX on XX/XX/XXXX that is not mine as i have never applied for anything from them ever. Happened while i was on vacation to Mississippi. Returned home and had a card from XXXX XXXX XXXX addressed to a XXXX XXXX XXXX with my address on it. I have never heard of this person although we share the last same name. I will attach the card from XXXX XXXX XXXX and proof of my identity. I have called both XXXX XXXX XXXX and Equifax and have gotten no results.
Product: Money transfer, virtual currency, or money service

There was fraud committed through my cash app via XXXX  XXXX. I think this may be identity theft, because I closed my account and investigation took place back on XXXX XXXX 2020. Bank  replaced funds. Forward to wed XXXX 2020, XXXX XXXX  reversed my funds and took all the money out of my account. Cash app closed my account but I have stock with cash app. Ive noticed few of my stocks were sold. XXXX, square, XXXX, XXXX and a cash out to XXXX  bank, which I dont have an account with. Ive notice there was identity theft because I saw the documentation that they were sold with my name on them, and it would be transferred XX/XX/2020 to XXXX XXXX. I contacted cash app multiple times, and XXXX  XXXX. They did nothing. Cash app just sent me links to solve my problem. Ive lost over XXXX dollars in cash app and XXXX  XXXX  as Im typing this.there was a money trail with a person XXXX XXXX. I never sent money to anyone through cash app. Especially not XXXX. I have proof I was sleeping.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

This is a problem with Citibanks address verification system. 
My mail goes to a XXXX XXXX XXXX to the fact we live in a building the XXXX XXXX does not deliver too. 
They started calling me requesting a physical address which was provided to them. They still could not verify my address. We had been at the address for XXXX  years. They requested a copy of my drivers license. This was provided. I was told everything was fine. 
Then I received another letter stating they had not resolved the issue. This happened 4 times. 
My account is current and well below the credit limit. My credit score is XXXX. 
I received a letter yesterday that they closed the account. 
This will affect my credit score. I work very hard to maintain excellent credit and want resolution to this!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent disputes to the credit bureaus regarding inaccurate accounts reporting on my credit reports. It is XXXX and I have not received any results from the investigation. Legally the credit bureaus have 30 days to complete an investigation. It has been over 90 days and nothing has been done. These accounts need to be deleted from my credit reports immediately or I will file litigation due to the stress this has caused me. My infomation was impacted by the Equifax data breach and could have gotten in the hands of the wrong person. XX/XX/2020 I Sent an additional letter to the credit bureaus and they have ignored that one as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting care act. This creditor has violated my right under 15usc1681 section 602 states that I have the right to privacy 15usc1681 604 ( a ) section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 18 USC 8, Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. Violation of the FCRA and is in violation of requisite METR02 Compliant reporting standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported to all three bureaus, that my account with XXXX XXXX is delinquent, the account shows {$0.00}. Balance because it had been paid. I contacted the collection agency multiple times over the years and recently, they stated they could not remove. I also contacted XXXX XXXX over the years and a few months ago in regards to removal of the paid account, they initially said they would reach out to the collection agency to have it removed. After no results were achieved, I called XXXX XXXX again and they stated that they couldnt do anything due to the account being in collection even though its paid.
Product: Debt collection

Jefferson Capital through their agents, employees, representatives, has committed aggravated identity theft. They have obtain my non public personal financial information without my authorization or consent. I have never done business with them, do not have any contract with them and they opened an account on XX/XX/2023 and reported this account to my consumer report. There is no Privity of contract. Jefferson Capital through, their agents, employees, representatives are attempting to extort me for money ( payment ) which is a crime under title XXXX of the United States Code. I did not receive any notices from them as required by the Fair Debt Collection Practices Act. They also do not have Proof of the existence of this alleged debt and outstanding balance, proof of a contract verifying XXXX XXXX can legally collect, and proof that XXXX XXXX is the current holder of the instrument which created the debt with my original blue ink signature. Jefferson Capital is violating the holder in due course clause pursuant to XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ). A debt cant be transferred or sold when past due or in notice of dispute. This fraudulent account on my credit report has made my score plummet and this is causing so much damage. I refuse to pay any debt to Jefferson Capital and I do not consent or authorize for Jefferson Capital to have access to my nonpublic personal information as they are third parties and I never did business with them. I have reported this to the Federal Trade Commission. 
This is grounds for a federal lawsuit.
Product: Credit card

Ive received multiple emails from chime.com, and never applied.
Product: Debt collection

I reviewed my recent credit report and upon checking I noticed that there is inaccurate and fraudulent account that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX XXXX / {$250.00} / XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report on Equifax showed error code NH and error code BLNK. They refuse to fix the problem. I called XX/XX/2023. Equifax is a XXXX and XXXX company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and correct or remove them immediately in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Send in a Dispute for written contract and they said it was verified but it was deleted on XXXX that makes no sense to me and I told them and there playing games
Product: Mortgage

I HAVE MADE MY MONTHLY PAYMENTS WITH THE NEW LOAN PROVIDER, XXXX  XXXX FOR THE LAST 12 MONTHS. THE MINIMUM PAYMENT REQUIRED IS {$1400.00}. 
XXXX XXXX INFORMED ME THAT THE LOAN WAS IN DEFAULT DESPITE CASHING THE MONTHLY CHECKS. THE COMPANY ALSO STATED THAT THE DEFAULT OCCURRED BECAUSE OF THE WAY IN WHICH THEY CREDITED THE ACCOUNT. 

DURING THIS TIME, MY CREDIT RATING HAS BEEN IMPAIRED SINCE THE COMPANY REPORTED THAT I WAS IN DEFAULT. ADDITIONALLY, THE COMPANY CONTINUED TO ADD LATE FEES TO THE ACCOUNT AND REFUSED TO GIVE ME ONLINE ACCESS TO THE ACCOUNT. 

MY MOST RECENT CONVERSATION TODAY XX/XX/14 LASTED 40 MINUTES WITHOUT A RESOLUTION. 

THE SAME PRACTICES USED BY THIS COMPANY WAS PREVALENT WITH THE XXXX, THE PREVIOUS LOAN SERVICER, BEFORE THAT COMPANY FILED FOR BANKRUPTCY. MEANWHILE, MILLIONS OF INNOCENT AMERICANS CONTINUE TO LOSE THEIR HOMES BECAUSE OF THE UNSCRUPULOUS PRACTICES BY XXXX AND OTHER MORTGAGE SERVICING COMPANIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting companies are reporting that I have 30 days late of a payment that I made to Setf. 
I never made 30 days late of a payment the other person that is making the payment made the payment 14 days late remove and update my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I NOTICED A FRAUD ACOUNT LSTED ON MY CREDIT REPORT DUE. TO A DATA BREACH
Product: Credit reporting or other personal consumer reports

I have identified items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Money transfer, virtual currency, or money service

I was scammed by someone who had a TD bank Account.

Transaction Type : WireTransfer If other, please specify : Transaction Amount : XXXX Transaction Date : XX/XX/year> Was the money sent? Yes Victim Bank Name : XXXX XXXX XXXX XXXX XXXX XXXX Victim Bank Address : XXXX XXXX XXXX. 
Victim Bank Address ( continued ) : Victim Bank Suite/Mail Stop : Victim Bank City : XXXX XXXX Victim Bank Country : United States of America Victim Bank State : California Victim Bank Zip Code/Route : XXXX Victim Name on Account : XXXX XXXX Victim Account Number : Recipient Bank Name : TD Bank Recipient Bank Address : XXXX XXXX XXXX XXXX Recipient Bank Address ( continued ) : Recipient Bank Suite/Mail Stop : Recipient Bank City : XXXX Recipient Bank Country : United States of America Recipient Bank State : Illinois Recipient Bank Zip Code/Route : XXXX Recipient Name on Account : XXXX XXXX XXXX XXXX  Recipient Bank Routing Number : XXXX Recipient Account Number XXXX XXXX Recipient Bank XXXX XXXX :
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 ] has violated my rights. The following accounts open date is not reporting accurately, date last active, date of last payment is not correct, these accounts are not accurate. 

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

and according to 15 USC 1681eb they are suppose to ensure this whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning individual about whom the report relates.
Product: Credit reporting or other personal consumer reports

Equifax credit reporting agency is not reporting current balances on any of my accounts in a time manner. Ive requested for the company to correct the balance statements. The representative stated that they didnt receive updates from the credit card company. Contacted all the the credit card companies and they stated that they reported updated balances. Equifax refuses to updated my credit report.
Product: Debt collection

Resurgent capital services since 2021 XXXX in the amount {$420.00} has been trying to collect payment on a debt that was never mines. I have written them twice asking for verification of debt. Both occasions they have yet to provide proper documentation to validate. My consumer credit report has been greatly damaged & affected my ability to aquire a home or a automobile. 

Please resolve this matter
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I have attached a copy of my report to this complaint on the following date ( XX/XX/year> ) .I 'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

XXXX fraudulently billed me for procedures that were not performed, agreed to by myself, or authorized by the XXXX. While we have demonstrated that we payed the quoted price for the procedure, XXXX committed an anticipatory breech in this billing. 
After multiple attempts to bully us into payment, they have once again submitted this to another collection effort, a year after our last settlement of issues. 
This is causing us stress, time, money and unnecessary distraction. I am uploading the documents that should settle this once and for all, but please be advised that my files are complete and intact if you require any additional evidence of " intentional fraudulent billing practices ''.