23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A provider later identifying itself as XXXX XXXX XXXX XXXX XXXX provided ER doctor services at XXXX XXXX hospital. 
I visited local ER on XX/XX/XXXX & again on XX/XX/XXXX. 
XXXX XXXX Hospital is an 'in-network ' provider for my insurance. 

Soon after, I was notified by my insurance company ( XXXX ) that the provider ( ultimately Wakefield & Associates/XXXX XXXX XXXX XXXX   XXXX ) had billed rates that were significantly above normal & customary. 
Insurance paid the provider {$750.00} against the {$1200.00} that was billed, and disallowed the remainder. I then paid the provider an additional {$75.00} above & beyond what my insurance had already paid. 

I then reached out to the provider, pointed out that the amounts they had billed for were higher than customary, and requested that they adjust. The provider never responded to my request, or to my insurance company, and ultimately sent what they deemed the 'balance ' to collections, having a negative impact on my credit report. 

I have also disputed the amounts with the credit monitoring companies, but of course the dispute makes no difference there, as the 'creditor ' simply insists that the amounts billed are accurate. 

Since I went to an 'in-network ' facility, I have no way of knowing at that time that the ER doctor is not within network. Wakefield & Associates is taking advantage of this situation to submit excessively high bills for their services. 
They are then unwilling to acknowledge that the charges are inappropriate and SHOULD be adjusted. 
There are a large number of similar complaints against Wakefield & Associates already in the CFPB online database, so it is quite obvious that they are doing this repeatedly, and on a large scale.
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, 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 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: Credit card

LATE DATES XXXX  months XXXX AND XXXX XXXX '' XXXX XXXX '' XXXX XXXX '' XXXX I was told by the company that their system did not show these payments as being late I also explained that this was doing Covid
Product: Money transfer, virtual currency, or money service

I recently had a business transaction done where a customer paid me {$7700.00} for my services. CHASE WePay decided to hold these funds for 120 days from XX/XX/23. I provided them all information about my business, including invoices, etc. They decided to continue holding my payments. I do not understand why they are continuing to hold. They stated it was because of high risks of chargebacks or disputes. Since that day, I have not received any chargeback or dispute notifications for my business for that transaction. I would like my money back. This caused a lot of stress for me since the customer paid for a service and the funds never arrived to me. I also reached out again in XXXX and they gave me the same answer, that the funds would be reviewed for release 120 days from XX/XX/23. Im tired of waiting and would like the funds released.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Inquiries : XXXX XX/XX/year> : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to state that Equifax, XXXX, and XXXX is in violation of 15 USC 1681 ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumer. I the consumer never gave Equifax, XXXX, or XXXX written consent to report anything on my consumer report. No consent is identity theft. I would like to state pursuant to 15 USC 1681 ( a ) ( 1 ) that the banking system is dependent upon fair and accurate consumer reporting. By allowing Equifax, XXXX, and XXXX these inaccuracies to be furnished on my consumer report, it may cause me to lose confidence in the banking system. If Equifax, XXXX, or XXXX wants to continue to do business with me, they should delete these inaccuracies off my consumer report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the furnishing of my personal information by your agency, as it has been done without my explicit written consent, in violation of the Family Educational Rights and Privacy Act ( FERPA ), specifically 20 USC 1232g.

As per FERPA, educational institutions must have written consent from a student before disclosing any personally identifiable information from their education records. I have not provided any written consent to [ Credit Reporting Agency Name ] to furnish my personal information to any third parties. Therefore, the dissemination of my personal information without my permission constitutes a clear violation of FERPA.
Product: Vehicle loan or lease

XX/XX/XXXX I purchased a vehicle that was financed through Global Lending Services. I paid every payment on time, never missed a payment. I intended to refinance the loan for a better interest rate after six months. However, I never got that opportunity. On XX/XX/XXXX, I was in a car accident that was no fault of my own. Despite how horrific it was, I managed to reach out to insurance the next day, as well as Global Lending Services so that they could reach out to the gap insurance carrier. During that same call, I was advised to make the car payment for XXXX if I wanted gap coverage to be applied. So, I made the payment on a car that had been deemed a total loss. In XX/XX/XXXX, the insurance carrier sent a check. Global Lending Services failed to inform me that there were still fees and interest being applied to the account. They had assured me that with insurance and gap coverage, I would would no longer have a debt to them. Prior to the total loss, ALL payments had been made on time, and there was no outstanding balance. Under Section 623 ( a ) of the Fair Credit Reporting Act, it is prohibited for a creditor to furnish inaccurate information to a credit reporting agency. Because I was told that I had no more obligations, any late payments after XX/XX/XXXX should not have been reported. Additionally, Global Lending Services reached out to the gap insurer. That presented a conflict of interest, as the gap insurance check took four months to be sent to Global Lending Services. They received it in XXXX, XXXX and according to them, the loan was still accruing interest. Global Lending Services also violated the FCRA by reporting an inaccurate statement of the balance due. They also failed to notify me when they supplied the credit reporting agencies of negative information. Global Lending Services also violated 15 u.s.c. 1692d ( 5 ) and 15 u.s.c. 1692d ( d ) of the Fair Debt Collection Practices Act by causing my telephone to ring. The Unfair practices clause in the FDCA was also violated by Global Lending Services. 15 u.s.c 1692f ( 1 ) clearly states that ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. The company intimidated me by reporting information that damaged my credit worthiness reputation. The company also intimidated me into paying money XX/XX/XXXX. I am seeking resolutions to these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX  Dear Sir or Madam I am a victim of XXXX. The information listed below which appears on my credit report is the resort of that trafficking XXXXXXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX Account Number : XXXX please remove it from my credit report XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX : XXXX please remove it from my credit report XXXX XXXX  Date of inquiry : XX/XX/year> please remove it from my credit report CFNA Date of inquiry : XX/XX/year> please remove it from my credit report Please block this information from my credit report within XXXX business days, pursuant to section 605 C of the Fair Credit Reporting Act. 

Please send me notification of the action taken, i appreciate your prompt attention to this matter Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification in my email that XXXX  completed their investigation into my dispute of the following accounts ; XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, accounts that are included in litigation. The file number is XXXX, and Experian and XXXX  have failed to delete the mentioned items.
Product: Debt collection

Payliance and XXXX  XXXX credit card have recieved my police reports i sent them along with a copy of my drivers license but they say im still responsible for a returned check and an outstanding balance i did not right in XXXX of 2021. I sent them multiple police reports and its still showing on my credit report!
Product: Credit reporting or other personal consumer reports

I am seeking your assistance in reviewing accounts from companies that are inaccurately reporting late payments. After being laid off, I requested forgiveness for these payments, and they agreed, yet the late payments are still being reported. Despite reaching out, Ive received no updates, making this my final attempt to resolve the issue.
Product: Credit reporting or other personal consumer reports

TransUnion has continuously failed to provide essential credit-related services through its website for over three years, preventing me from accessing both free and paid services. Every attempt to request my credit report, credit score, or other services results in a generic error message with no explanation or resolution. While some actions, such as freezing or unfreezing my credit, can be completed by phone, critical services like obtaining my credit score or report require either a working website or an expensive mail-in alternative, which costs over {$9.00} compared to the {$0.00} online option. Despite opening at least eight official caseswith the first on record from XX/XX/XXXX, and the latest on XX/XX/XXXX, XXXXmy issue remains unresolved, and even older cases are missing from TransUnions records. Each time I contact customer support, I spend hours on the phone, getting transferred between departments, only to be told my case is escalated and that I will receive a follow-up, which never happens. Additionally, I recently discovered that TransUnion saved my credit card information without my consent, providing no option to opt-out or remove it from my profile. Most recently, on XX/XX/XXXX, I was charged twice for a credit score request through their website, but due to a persistent system error, I never received the score. Instead, my only alternative was to pay an inflated price for a mailed version, which takes a week or longer to arrive. These ongoing failures have unfairly restricted my ability to access critical consumer credit services, making financial processes that require credit checks more difficult. Since TransUnion is one of the three major credit reporting agencies, I have no choice but to rely on them, yet they continue to deny me access to services they are legally required to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections account of {$130.00} with XXXX XXXX XXXX was paid in full. Contacted TransUnion to have account removed from my credit report. I was told by the call rep that the account was removed and it has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I have been disputing negative things off my credit. The credit bureau removes it and place it back on my credit and that is hurting my credit debt that doesnt belongs to me. What should I do? I have send the credit bureau police reports fraud paper work
Product: Credit reporting

The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to Transunion. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been obtained and misused for a number of fraudulent activities. This has severely impacted my credit and it sucks. Someone has been using my identity and now i am the one stuck with the debt and negative items reporting. I am submitting this complaint in seek of assistance in removing these accounts and getting another start at actually building my own credit myself. I am also submitting identity documentation to clarify that it is me sending in this complaint. Along with those documents i am adding a pdf report from the identity theft website. The report number is # XXXX
Product: Credit card or prepaid card

On XXXX XXXX 2023 I received a deposit of {$80.00} from XXXXXXXX XXXX that said complete I also received another deposit from the same place and same amount bit that one failed due to Cash app closing my account meaning I shouldn't be getting anything deposited into that account. On or about XXXX XXXX 2023 I purchased {$84.00} from an online store called XXXX well I received a {$77.00} refund from XXXX well Cash app took it on XXXX XXXX 2023. I called cash app and asked them where did my deposit go they said that my account was in the negative which it should not have been cause I did not get any money from Cash app I asked to speak to a manager about them stealing my money. I keep receiving emails from Cash app stating they are checking into it but then it goes on to say that they can not give me any information about my account. I spoke to 3 different people on XX/XX/XXXX to no avail this issue with Cash is making me have XXXX XXXX I changed prepaid company and no longer have cash app I just want my money back
Product: Credit reporting or other personal consumer reports

The CFPB has sued XXXX for unlawfully failing to properly investigate consumer disputes. XXXX has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Vehicle loan or lease

I received a car loan from American Credit Acceptance for a XXXX XXXX XXXX. I did become delinquent however when speaking with them attempting to pay off the loan, I was informed that I could only pay using the automated system and to just pay what it tells me too. I did as instructed and paid the amount provided over the automated system in XX/XX/2015, I paid over {$2000.00} when the remaining amount on my loan was under that. I was informed later that I did not pay it off and when I called to find out why they flat out refused to assist me. They did they would pull the call where I was informed that I could only use the automated system to pay the account off and get back to me. They have never gotten back to me. I have attempted to dispute this item several times but every time they cause undue harm to my credit score by  attempting to make the debt appear as new and delinquent. They have charged off my account however continue to charge me a Per Deum on an account that was paid in full 3 years ago. As well as there was nothing on automated system to instruct this was not a total pay off amount. It did state that I was paying the total amount due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, JPMCB, Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on accredit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error. I am a consumer by law and in regards to the incorrect items on my credit report it has been well over 30 days and I have not received any investigation results
Product: Credit reporting or other personal consumer reports

I applied for a car and only gave the dealership authorization to run my credit once. Instead they ran it multiple times. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX