23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received the attached collection bill ( Account # XXXX ). I was very confused by this bill as the Creditor ( XXXX XXXX XXXX ) did not match the name of the imaging center I received a XXXX  XXXX on XX/XX/XXXX. I have never been to XXXX medical center. Additionally, I had never received a bill from the imaging center for this date of service. 

The name of the imaging center I visited on XX/XX/XXXX : XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX To confirm, in my insurance records, I had received a XXXX  XXXX at this same location on XX/XX/XXXX, however the exact same Imaging Center is listed under a different name. Please see screen shot attached from my insurance claim files. The same imaging center mentioned previously is listed under 2 names with different amounts for a XXXX ultra sound : XX/XX/XXXX : " XXXX XXXX XXXX '' XX/XX/XXXX : " XXXX XXXX '' I was further confused by the name " XXXX XXXX '' I received a XXXX XXXX from a tech who was female and her name was not XXXX XXXX. 

Since I received this collections bill in XXXX, I have been going back and forth via phone between the collections company, the imaging center, my insurance and my physician. The billing department from the XXXX XXXX XXXX insisted I have a {$0.00} balance even though I explained to them I was there on XX/XX/XXXX they have no record of it. I had them send me my account summary for reference also attached. I explained all of this to the collections company and told them I was very confused about who is billing me. I was told verbatim " Good luck honey it happens every day ''. I then asked them if they could send me or have the company who is billing me send me an itemized statement explaining the charges. They said they would try, and that was a month ago. I now have a derogatory mark on my credit report due to this nonsense. Reaching out to CFPB is my last resort. I refuse to pay money to a collections agency or imaging center when they do n't even have a record of why I am being charged. 

The second part to this complaint is in regard to the XXXX I had received. My doctor ordered a XXXX XXXX when I thought I may have had a XXXX When I arrived in the imaging room, the female tech told me a XXXX XXXX is the wrong prescription for a XXXX it should be a XXXX XXXX XXXX. I asked the tech what to do and she said she will do the test anyway because the doctor must have some reason to perform a XXXX XXXX. I found out from my doctor 's office later on, the tech at that time should have called my doctor and confirmed this was the right test as it was incorrect. The doctors office has taken no responsibility for writing the wrong XXXX prescription for a XXXX.It was confirmed by a general surgeon whom my doctor referred me to, that it should have been a XXXX XXXX XXXX. 

My doctors info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not accurately reporting 3 accounts that have been closed this month showing balances that have been paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to lodge a formal complaint regarding the inclusion of unauthorized accounts on my credit reports held by Equifax, XXXX, and XXXX. Specifically, I demand the immediate removal of the following accounts : Security Finance, XXXX XXXX XXXX, and XXXX XXXX. Despite these accounts being verified, no method of verification was sent to my address within the mandated 15-day period.

This failure to provide proper verification leads me to suspect potential identity theft, as unauthorized non-consumer report information has been added to my credit files. I am granting the credit bureaus a generous 30-day window to remove these accounts. For each additional day that these accounts remain on my report beyond the allotted time frame, I will be charging the credit bureaus XXXX XXXX XXXX  per day. 

Furthermore, I will be reporting this incident of identity theft to the Federal Trade Commission ( FTC ) and the Internal Revenue Service ( IRS ) for further investigation. 

I expect immediate action to rectify this matter and prevent any further damage to my credit and financial well-being. 
XXXX systems collection account as well
Product: Bank account or service

Bank of America once again held onto a check purposely until my account had low/no funds, then put it through. It was for {$2.00}. They charged a {$35.00} fee AND refused to honor the check and pay the creditor, a pharmacy. Therefore I will incur another fee from the creditor. My income is fixed and only {$1200.00}. 

In addition, my direct deposit which was available the XXXX last month, was not made available this month. As of today at XXXX, it still isnt available. This is also done on purpose.
Product: Credit reporting or other personal consumer reports

Ive been contacting them for week two weeks now even mailed letter out to them still these items arent removed from my report. Ive only recently became aware of said items when I went to purchase a vehicle. Once I found out items were reported as fraudulent cause Im the victim of identity theft. Since Ive made several attempts to contact these agencies to have it removed ( the items ) as of yet they havent complied. So my next course of action is legal after these steps The following accounts : XXXX XXXX XXXX, XXXX, XXXX ( which is an eviction for an apartment which Ive never lived at or in ), XXXX XXXX XXXX These items do not belong on my credit report in accordance with FCRA THEY ARE IN VIOLATION!
Product: Debt collection

On XX/XX/2022, Consumer sent NATIONWIDE RECOVERY SERVICES an intent to sue letter for violations of the FDCPA and debt parking. NATIONWIDE RECOVERY SERVICES refused to accept my mail yet they willfully and intentionally continue to violate my privacy.
Product: Vehicle loan or lease

XXXX XXXX is the company they refused vehemently too help with repair on my XXXX  XXXX XXXX  with a known problem with throttle body and pedal position sensor that is a known problem and are trying too charge me the customer after numerous problems starting at XXXX miles the problem began, and finally, XXXX miles vehicle was left with same problem and General XXXX after filing complaint with customer service refuses too provide any compansation, or even help with rental while my vehicle was being repaired many other others thousands of people on XXXX have paid thousands of dollars for same repair on existing problem with motor train, problem please help make a general motors be held responsible for repair costs as it is not fair thousands of customers must brunt this repair cost due too known motor problem thank you for you help and consideration the claim with General XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and misused and in doing so there's unknown and unauthorized accounts appearing on my credit file and I'm respectfully requesting that these accounts be blocked and/ or removed immediately. 

The following accounts are, ( 1 ) XXXX XXXX XXXX {$110.00} ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$120.00}, ( 4 ) XXXX XXXX {$6000.00}, ( 5 ) XXXX XXXX {$760.00}, ( 6 ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report on XX/XX/XXXX and notice items are not accurate. The FCRA acts states that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information of the individual whom its reporting on. Also the FCRA states that if all three credit buraus do not match up with the information being displayed, then it must be deleted. This account XXXX XXXX XXXX XXXX " XXXX '' that opened on XX/XX/XXXX and was suppose to be closed thirty days later. Instead it was updated on XX/XX/XXXX. This account has been closed for three years however, it's still showing open on my Equifax report. I switched cars and auto lenders, so they paid the car off and clean it from my XXXX report but not my Equifax report. 

XXXX XXXX XXXX XXXX " XXXX '' XX/XX/XXXX, has not been reporting correctly, date of last payment or update is not correct this account is not accurate.
Product: Debt collection

I don't recall having a contractual relationship with GENESIS CREDIT MANAGEMENT Account Number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued concern and disappointment with the unsuccessful outcome of my second attempt to correct late open accounts on my credit file. Despite providing comprehensive documentation and following the prescribed dispute procedures, the inaccuracies persist on my credit report, negatively impacting my creditworthiness and financial standing. 

I am deeply concerned that, despite my sincere efforts and adherence to the required procedures, the late open accounts persist on my credit report. This situation has immediate and adverse consequences for my financial standing, making it imperative to rectify this matter urgently. 

I kindly request the following actions : An immediate and thorough reevaluation of the documentation provided in support of the dispute. 
Expedited correction of the inaccuracies related to the late open accounts on my credit file. 
Transparent communication outlining the resolution process and the steps taken to address this matter promptly. 
Attached, please find copies of the supporting documentation for your reference during the investigation. I am asking for your assistance to correct these late open accounts in my credit file : OAG CHILD SU XXXX Balance : {$25000.00} ; OAG CHILD XXXX XXXX Balance : {$72000.00} ; ATTYGENERL XXXX Balance : {$72000.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
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. 

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 and list of Inquiries. 


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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

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: Money transfer, virtual currency, or money service

XXXX, the property management software that I assume lots of renters use, sent an email today announcing that XXXXk rent payments are no longer free and will cost {$2.00} a month. This means that there is no longer a way to pay rent without a fee attached. Feels pretty unfair!
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate and Misleading Reporting for XXXX XXXX XXXX XXXX  Account To : Equifax and XXXX XXXX XXXX XXXX Date : XXXX/XXXX/XXXX Dear Equifax I am writing to dispute inaccuracies and violations under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws regarding the XXXX XXXX XXXX XXXX account appearing on my credit report. The misreporting of this account has directly impacted my ability to obtain credit and caused significant harm to my financial standing. 

Specifically, the following issues require immediate investigation and correction : Inaccurate Reporting of Charge-Off Status : The account is marked as CO ( charge-off ) for every month in XXXX. According to the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information are required to report accurate and complete information. Charge-offs are recorded as a single event, not repeatedly every month, as this creates a misleading impression of ongoing delinquency. 
Failure to Validate Debt : Under 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute the accuracy of information and request validation. I have not received proper validation or documentation of the alleged debt. If the creditor or furnisher can not verify the accuracy of this account, it must be removed from my credit report. 
Harm Caused by Outdated Information : Negative information, including charge-offs, can only remain on my credit report for seven years from the date of first delinquency per 15 U.S.C. 1681c ( a ) ( 4 ). The reported delinquency first occurred in XX/XX/XXXX, yet it appears inaccurately and continues to affect my credit profile unfairly. 
Impact on My Ability to Obtain Credit : The inaccurate and misleading reporting of this account has resulted in denials for credit and higher interest rates, violating my right to a fair and accurate credit report under the FCRA. 
Requested Actions : I respectfully request the following actions : Immediate investigation of the inaccuracies under 15 U.S.C. 1681i ( a ). 
Removal of repeated CO entries for XXXX and correction of any misleading payment history. 
Validation of the account details, including the original agreement, account ledger, and evidence of charge-off status. If this information can not be provided, the account must be deleted. 
Notification of corrections made to my credit report. 
Failure to address these inaccuracies and violations may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially seeking legal remedies under 15 U.S.C. 1681n for willful noncompliance. 

Please provide written confirmation of your findings and any actions taken within 30 days, as required by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THIS ACCOUNTS OVER 4 TIMES FOLLOWING EVERYTHING THAT HAS BEEN ASK FROM ME, HOWEVER I HAVE ASK 3 TIMES FOR TRASUNION TO PROVIDE VERFICATION OF THIS ACCOUNTS BEING MINES WHICH TRASUNION HAS FAILED TO PROVIDED. *** ALL THE ANSWER I GET IS " ACCOUNT HAS BEEN VERIFIED AS ACURRATE ''. WITH NO VERIFICATION PROVIDED.. THIS ACCOUNTS ARE NOT MINES. PLEASE DELETED THIS CCOUNTS OF M CREDIT REPORT AS IT'S AFFECTING MY CREDIT REPORT AND IT NOT RIGHT. XXXX # XXXX, XXXX # XXXX XXXX  XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Unauthorized hard and soft inquiries Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX 2024 XXXX XX/XX/year>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 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 2024
Product: Credit card or prepaid card

Destiny mastercard all of a sudden now holds your payment for 14 days when they never did this ever to me & i paid off my account in full. I spoke with 2 reps both were clearly rude 1 hung up on me when i was waiting for a supervisor & the 2nd rep says oh we hold the money now, meanwhile i have XXXX babies who are in need of things & these people are being so stupid with holding my funds that i paid on XX/XX/XXXX they told me i can use my credit on XX/XX/XXXX which is complete XXXX. meanwhile my other credit card accounts were over the limit i paid them off & was able to use my available credit in XXXX
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2024, I fell victim to a multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my M & T bank account to fraudulent investment firm ( XXXX )
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. PLEASE DELETE THE FOLLOWING ITEMS : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX CRED XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX CO XX/XX/2023
Product: Credit card or prepaid card

I opened a secure credit card with the annual fee of {$24.00} to work on my credit and was told to come in and check before the renewal fee to see if I could get a non secure card. After making monthly on time payments I was unable to qualify so I asked about the annual fee to be charge next month and the representative named XXXX in the XXXX Oh XXXX XXXX branch told me to return after it was applied because she couldn't waive it until it was applied. Today approximately 1 month later XX/XX/2022 I called Fifth Third to follow up about this as I was submitting this only to be hung up on. Furthermore when I went into the XXXX branch XXXX told me in a follow up call that XXXX had said she thought it was about a charge I made! To sum up beware of the promises your local branches make... I have XXXX accounts with Fifth Third and I'm more than disappointed in there practices/professionalism. 

BEWARE FIFTH THIRD
Product: Mortgage

My mortgage company will not assist me on logging onto my account, to make payments ect. Every time I make a payment I HAVE to call them and make a payment over the phone, which costs {$12.00} additional each month. I am also very concerned that I am being gouged with my homeowners Insurance, once again all I get is the run around. My Loan company is Ocwen.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was added to my credit report XX/XX/2023 by XXXX XXXX XXXX. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. 

I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX Department of EDXXXX SYNCB/GUITAR CENTER SYNCB/TJX XXXX XXXX XXXX