23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is reporting for XXXX XXXX a debt amount of {$1500.00} from 2016 on my current TransUnion report. This is false because my explanation of benefits sent to me by XXXX XXXX XXXX XXXX XXXX XXXX  in 2016 indicates XXXX billed total amount of {$3600.00} and XXXX paid {$2000.00} and that the remaining XXXX would not be billed to me per the contract XXXX XXXX has with XXXX that states XXXX is a in network provider they agree to take the payment amount allowed and not bill the patient ( me ) for any balance owed. XXXX inaccuracy states on the invoice for the {$1500.00} my insurance company as Florida XXXX XXXX. XXXX told me XXXX denied the whole amount for an invalid billing code. I called my doctor and had them investigate this and all the correct codes were provided and they were paid the amount allowed and were not to bill me the remaining amount. I have sent all this proof to Transunion and XXXX XXXX XXXX wont even give me a chance to send proof to them they say talk to XXXX. I have talked to XXXX along with my doctor and they will not call XXXX XXXX to stop this debt. They are bullying me and illegally trying to force me into paying this money to clear my credit report and name. Please help me.
Product: Credit reporting or other personal consumer reports

Experian Report XXXX is wrong because it deleted the PAYMENT History of this account it " investigated ''. On XXXX, what i disputed at Experian is the BALANCE which XXXX XXXX XXXX XXXX XXXX reported to the Credit Bureaus. That Erroneous Balance is over a disputed charge ( {$1200.00} ) for a dental-crown which I NEVER APPROVED containing porcelain which makes the dental-crown vulnerable to cracking. On XXXX, a dental-XXXX containing porcelain is NOT WHAT I PAID FOR. I have been disputing this charge since XXXX at XXXXXXXX XXXX. On XXXX, i sent an email of cancellation to the dentist ( XXXX XXXX XXXX XXXX because XXXX XXXX refused to do the XXXX  WITHOUT PORCELAIN which other dentists said they can do. 

Experian Report XXXX is wrong and should restore the PAYMENT History of this account immediately. 

XXXX and XXXX XXXX should process my refund ( {$1200.00} ) back to my XXXX immediately.
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by the silence XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove these acount before i seek litigation for defamation of character ). XXXX XXXX. {$1500.00}, XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$2200.00}, XXXX XXXX XXXX XXXX. {$250.00}, XXXX XXXX XXXX XXXX. {$800.00}. 
Accounts Affected by the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted XXXX, XXXX, XXXX, and Lexisnexis, with no results on removal of this account. I will attach a copy of a document from XXXX showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from XXXX shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the XXXX report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in XXXX, XXXX, XXXX, and Lexisnexis.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

According to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2, they are not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

15 U.S.C. 1681B ( 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 card or prepaid card

Chase took illegal action to close two of my checking accounts - a business checking account and a personal checking account. 

When they closed these accounts, they blocked all online access to my pre-existing Chase-issued XXXX Credit Card account XXXX These accounts all have the same login location on the internet. 

I have been unbale to access the account to make any payments or to otherwise use the account as I could use it previously. 

I demand Chase explain why they have taken these XXXX  actions. 

I refuse forever and permanently to pay any amount on this card until the damages Chase has created by their irresponsibility it fully corrected with compensation to me for their damages and losses that they have caused. {$25000.00}.
Product: Mortgage

I have initially filed a complaint against Chase Mortgage. Chase continues to report the complaint as being solved and closing out the case. Please re open. Chase Bank has failed to credit my account. There has been an great amount of corporate advance fees and other unexplained fees. The initial modification was a permanent modification and there are in excess of two years payments that went to a " phantom account. '' Chase has no explanation and continues to send computer generated letters stating " They are investigating the matter ''. This has gone on for a number of years. My current mortgage payment is over XXXX dollars more than what it should be. I believe Chase is using unscrupulous and unethical measures to attempt to accelerate on my home. I need immediate help and intervention from Consumer Financial Protection Bureau. Please hold this giant liable for preying on middle class wage earners and obligate them to make the necessary credits and adjustments on my account. If you have attorneys that are willing to look into this matter, I will cooperate fully. I would like to " blow the whistle '' on the strategies they are using.
Product: Credit reporting, credit repair services, or other personal consumer reports

when i try and file an online dispute equifax and XXXX  will not except dispute say they can not access report yet they are always reporting to credit lenders, both report my fios score as XXXX yet XXXX  reports XXXX fios, i have an exceptional payment history never a mark against my credit,12 open accounts,3 years or longer, i feel XXXX and equifax are mad about my disputes and have black balled  my account, please help look at my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Password and email Got Changed for Equifax XXXX And Trying To Freeze my Credits bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # 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: Credit reporting, credit repair services, or other personal consumer reports

I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " XXXX '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education 5066 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..
Product: Debt collection

Midland Credit Management has sent me numerous emails from XXXX XXXX regarding a debt collection which is owned by a completely separate company apparently. I never received notice of this debt or the collection and I didn't know I could dispute it. I have asked to be removed from the email list, but there has been no resolution. Again, I never received physical notification of this debt or notice that I could dispute. I will attach SOME of the dates in which I received email communications, this is not an exhaustive list : XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year> XX/XX/year>
Product: Credit reporting or other personal consumer reports

At the beginning of 2023 I did not receive my monthly statement from Chase Freedom Credit Card. I called but was told to wait, that it was probably delayed in the post-XXXX backup at the Postal Service, etc. It still did not come. I complained again. Eventually I was given the balance information and we agreed that I would send payment right away AND that any fees or late charges would be reversed. I paid. My account was corrected. However, J P Morgan Chase still reported me as late on payment the month of XX/XX/2023. For all the years before - and - the time since - I was NEVER LATE. The bank refuses to delete the one month of late payment to credit reporting agencies. This is both very poor customer relations and is offensive to the public because the bank failed to mail me my statement. The problem was caused by J P Morgan Chase 's own operations, NOT BY ME! I voluntarily contact the bank multiple times, but it still did not send the statement. I ACTED IN GOOD FAITH by paying without a statement to verify charges. J P MORGAN CHASE BANK HAS ACTED IN BAD FAITH throughout.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. 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. Please update the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

They never sent me the email with my bill for XX/XX/XXXX. Never sent a reminder or a " your late '' notice. Added a late charge and interest on the XX/XX/XXXX bill. I " chatted '' with them and they agreed to remove the late fee but not the interest. I refuse to pay interest because I did nothing wrong. Late fees and interest are adding up. They caused my credit score to go from XXXX to XXXX. I want them to stop charging me interest and late fees and I want my credit score put back to where it was. I've checked and there are/were no emails from them in the month of XXXX. The are committing fraud. I have contacted them in writing to no avail.
Product: Credit card

This is the 2nd time this credit card company was " reviewing my account '' then demanded me to make a big payment or lose my credit line. 

The biggest issue isn't them, its universal default. As we know I had a 30 day late at the beginning of this month. I have made an appeal to the credit bureaus since I was in and out the hospital from end of XXXX to end of XXXX battling XXXX. 

This company was paid a minimum of {$500.00} with many times giving {$1000.00} per month and my minimum payment was {$250.00} I believe. 

They received an alert about what happened with XXXX then all of a sudden is giving me 4 days to come up with {$1700.00} or they will downgrade my credit limit or worse which will affect all the other credit cards I have. 

This is outrageous that I can have a card, never been late on it since XXXX  then now because of the only late I have ever had in 10 years, they want to hurt my business by giving me 4 days to come up with over {$1700.00}, then don't tell me the reason why, or allow me the chance to appeal. I believe that is very unfair
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Below is a timeline of the problems I've been having with Capital One.

Brief description ~ Credit card was charged off in XX/XX/2015, which is reflected correctly on my credit report. I started and agreed to a repayment plan ( of which I've never been late on ), in XX/XX/2016, however they are still reporting me late to all three credit bureaus on the account that was charged off ... .and of which I am making a timely repayment plan on. From what I have heard, once the account is charged off they can not continue to report you late ... .especially given the fact that I haven't been late on ANY repayment plan with them.

I am currently in the process of obtaining a mortgage, and am going to lose a substantial amount of earnest money due to their lack of taking this seriously and correcting the erroneous lates being reported to the bureaus. Please help.

-XX/XX/2015 charge off -XX/XX/2016 started agreed repayment plan -XX/XX/2018 sent reporting dispute to capital one by Sobak financial -XX/XX/XXXX , letter from capital one stating there was no fraudulent reporting on account XX/XX/XXXX, contacted XXXX ( XXXX ) he understood there was incorrect report by capital one to credit agency will have letter faxed over within 24- 48 hrs stating so and send the info to credit bureau resolutions department to correct with credit bureau XX/XX/XXXX, no fax , called spoke with agent, got supervisor on phone, XXXX   direct line XXXX ext XXXX. She agreed was being reported incorrectly and would have letter faxed with correct information within 24 hrs XX/XX/XXXX called XXXX got vim left message no return call XX/XX/XXXX called XXXX got VMware left message no return call XX/XX/XXXX called spoke with supervisor XXXX ( XXXX ) ext XXXX she had letter and would fax it personally XX/XX/XXXX letter was faxed but only concerning XX/XX/2015 - XX/XX/2015, didnt address any lates being incorrectly reported every month since it was charged off in XX/XX/2015.

XX/XX/XXXX spoke with XXXX ( XXXX ) said she understood situation after I described what was being reported but she could only send it to the capital one credit bureau resolutions department, I could not talk with them or anyone higher than her and it would take 7-12 business days to be determined if they would change anything
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit and shows the following incorrect information is being report. 

Late payments : XXXX XXXX XXXX XXXX reported late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/2020 I sent Choice Recovery a letter by certified mail in regards to a debt appearing on my credit report sum of {$170.00}. The letter outlined a resolution to supposed debt and a requirement of validation. Attached is the letter and also the signature with the date received by Choice recovery of XXXX. Choice Recovery has not responded. The continue to update this supposed debt on my credit report without providing validation or solution. Shady group. Consumer advocate needed for people dealing with this bogus and shady debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX Balance : {$1900.00} XXXX  XXXX Balance : {$2000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a fraudulent account on my credit file. I did not apply for anything with XXXX
Product: Credit reporting or other personal consumer reports

this is a formal complaint against transunion, the XXXX account charged me for a services i never received, and when i went to pay it they told me that they were going to removed it from my credit, something they never did
Product: Debt collection

Scam collection place bought a false old phone debt. They arent authorized to collect and its not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

all wrong not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX   XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY Account Name XXXX & XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$77.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$77.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$77.00} Highest Balance {$0.00} Terms 1 Months On Record UntilApr XXXX Payment History Account Name XXXX XXXX Account Number XXXX Account Type Secured Card Responsibility Individual Date Opened XX/XX/XXXX Status Open. 
Status Updated XX/XX/XXXX Balance {$67.00} Balance Updated XX/XX/XXXX Recent Payment $ 100 Monthly Payment {$15.00} XXXX XXXX {$220.00} Highest Balance {$160.00} Terms NA Account Name US DEPT OF ED/XXXX Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Transferred, closed. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$10000.00} Highest Balance {$0.00} Terms NA all filed to the ftc
Product: Credit reporting or other personal consumer reports

I am writing to formally report and request the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well - being. Kindly help me remove the following items immediately : XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$2300.00} ; XXXX XXXX Balance Owed : {$1900.00} ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.