23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company to notify them I did not open this loan. After speaking with them the social security number was correct, but date of birth listed was incorrect, second where I do not have a bank account where funds were transferred to. I do not have a bank account at XXXX XXXX XXXX. They have an account number, where a payment was withdrawn from and notified them again I do not have an account there. Phone number they had listed was not my phone number, they are hurting my credit by not removing this report. I have filed a fraud report at a website. Will soon file a report with the police. I feel they did not follow through with the process of verification and allowed my identity to be stolen.
Product: Debt collection

When I went in on XX/XX/XXXX for a standard office visit to see my physician I asked how much the self-pay amount was for an office visit. The office advised that it was {$100.00}. I requested that this visit be billed as a self-pay visit. The Physicians office did not bill as self-pay but chose to bill my insurance for XXXX and then charge me a balance of {$180.00}. I called them to advise that I would not pay the requested amount of {$180.00} and that they billed my insurance without my permission. I told them I would pay the self-pay the amount of {$100.00}. They refused to adjust the bill. They then advised to contact their central billing. I opened a dispute with their central billing. They denied my claim again and advised they wanted {$180.00} to resolve the matter. 

In XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX  issued an update to HIPAA privacy regulations that permit a patient to pay cash. 

Patients covered by a health plan XXXX choose to pay their doctor in full for services and choose not to disclose any information to their insurance company even if the services are covered by the insurance company. 

Anyone that wants to pay on the same date of service should be able to get the discount. 

They have now assigned this account to a collection agency. Credit Systems International XXXX XXXX- XXXX, XXXX XXXX - XXXX. I have called the collection agency to advise them of the dispute and they told me they would resolve the issue if I paid the {$100.00} but would not put anything in writing to confirm their statements. This is a very deceitful tactic. Not to mention assigning any medical bill to a collection agency is a HIPPA violation.
Product: Credit reporting or other personal consumer reports

I dont recognize this inquiry by this lender, and I dont remember authorizing them to perform multiple hard inquiries on my credit report. '' I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry or delete this inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has XXXX XXXX & XXXX XXXX XXXX XXXX as the same account and errors on 120 120 90 90 90 90 charge of XX/XX/XXXX closed account XX/XX/XXXX but has XX/XX/XXXX 120 days from the transferred account showing 120 days so what Experian is saying that the car went over 5 months with no payment and there was no repo. There are major errors to the reporting. Half report showing and transfer by XX/XX/XXXX to XXXX XXXX XXXX XXXX. I need a letter showing only fromXX/XX/XXXX only showing that {$1900.00} was written off and why I received my title but claiming that {$1900.00} was owed/written off. There should not be the same account showing XX/XX/XXXX closed but at the same time 120 days 120 days and the need documented proof 5 months and no payment as Experian has stated. Also need from the time the loan was taking out showing not years later from XX/XX/XXXX what happen XX/XX/XXXX.XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX all those years. Date open is wrong XXXX XXXX XX/XX/XXXX- XX/XX/XXXX but then the same loan XXXX XXXX XXXX services date open XX/XX/XXXX thru XX/XX/XXXX 8 years in which this loan was not done. then 6 years XX/XX/XXXX loan but the same loan and error after error if the years of the car cant be showed on both and 8 years on the loan experain has and 6 on the other at the same time makes no sense. I have attach a copy of the Experian credit report. according to the 7 years to remove the XX/XX/XXXX dealer services has past it time as Experian has showing : Date Open XX/XX/XXXX-XX/XX/XXXX
Product: Debt collection

I made a promise to pay with a representative that he was requiring me a down payment to start paying. I told him I couldnt do that and would call to make the agreed upon payment the next week. He strong armed me and told me the option may not be available then. I was called 3 times in less than 1 hour apart from each other. The company stated it was okay to do and not a violation because they were trying to reach me. I said I just wanted to make the payment one time and would call in the following months to come. I was talked over and interrupted several times while I was just simply wanting to make one payment. I was blindly transferred to 2 different reps and ended up with a manager all of which strong armed me to give them my banking information and demanded I set up payments or else the account could have further collection activity and threatened me with pre litigation.
Product: Checking or savings account

I have attempted to cash or deposit some payroll checks from my employer. Some of the checks were older " stale '' checks. Some were ~ 6 months old ; others were older. I have run into this problem a few times with Bank of America! The payroll checks are drawn from " their '' bank, which my employer utilizes for payroll payments. I ran into this problem yet again today, at XXXX XXXX, XXXX B of A branch. As an aside, the teller may be the same one that was a problem w/ me on an earlier visit, though not fully certain presently. 
Also, there is NO expiration date or Void if cashed by __/__/____ on the payroll checks. I was forced to return the payroll checks to my employer and requested ere-issuance or else do Direct Deposit payments. 

Also, another payroll check had a " hold '' put upon it. I am unsure if that " hold '' was taken off and removed or not. I am looking into this again. 

I am < pleased and < satisfied with some branches of B of A. Some branches seem OK.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 It was noticed that there was incorrect and unauthorized information on my credit report.
Product: Checking or savings account

Someone called Citibank on XX/XX/23 at XXXXXXXX XXXX and got themselves added as another person on my and my husband 's joint account ( 30 years with the account ). They were able to get Citi to give them an ATM, open a new account, transfer all my savings and then go to a teller and withdraw {$10000.00} my money without even an email notification at XXXXXXXX XXXX on XX/XX/23, teller # XXXX. I use my mobile app all the time to transfer funds and pay my credit card, etc. and ALWAYS get notifications. I have never shared my account information, passwords, login info, pin or ANYTHING with ANYONE. A total of {$36000.00} was taken from my account without notification of ANY KIND from Citibank. Upon reporting to Citibank 's fraud department, I was told there was another case just this week exactly like mine. Apparently Citibank has a security problem. They have said they will refund the money to me on a PROVISIONAL basis within 10 days, but I am worried. I have a college student in my household who needs my financial assistance. Citibank needs to make this right and protect my money, security and interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit report for all three credit bureaus for a company called XXXX XXXX. The company is is reporting inaccurate account name, no of months, payment status, last reported, Date of last activity, and date of last active. This is a violation. I have disputed this information several times starting at XX/XX/2021. I have not received a response. They had had plenty of time to investigate and respond to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 16 inquires on my credit report I don't recognize. I'm a potential. victim of credit fraud therefore my credit has been promised. Please delete from my credit report.

16inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/2023, I received a letter from Mohela stating that my student loan had been forgiven because I had satisfied the requirements of the PSLF program. Payments were no longer required and I actually was issued a refund of {$460.00}, which was equal to two months worth of payments. I called Mohela to confirm I was receiving a refund and was told I would receive it shortly. It was deposited into my checking account within a couple of weeks. My online account reflected a XXXX balance as did my Federal Student Aid account on both websites. 
In XXXX, I started receiving billing statements from Mohela, which was confusing to me. The balance showed as back to the amount that I had been told was forgiven. I had a new payment due in XXXX. The account had also accrued interest, which was also unfair as the interest was more than my actual payment, which means that interest started being calculated even before I was notified. The interest should not be more than the payment or else the loan will never be paid off as nothing will ever go to principal. 
On the XXXX of XXXX, I received a letter that the forgiveness of my loans was an " error '' and that they now determined that I did not meet the forgiveness requirements. Everything was reinstated on both the Mohela website and the FSA website. This error is completely unacceptable. To send a notice that a loan is forgiven and that payments are no longer required to then change course a few months later is an awful business practice.
Product: Debt collection

Most recently I received a judgement by the XXXX civil court in XX/XX/XXXX following a request to vacate claims against me, under, False and misleading representation and debt, Section 807- a, 4 and 9. For unfair practices Section 808 -1 and Section 809- a and c. I continue to be harassed and violated. On XX/XX/XXXX my bank account was charged citing a legal order I have no knowledge of. In this case again they fail to provide validation of debt or provide me proof of a legal order. XX/XX/XXXX bank was also not provided with proper information about the matter of which this event originated. My account was withdrawn {$5700.00} and XXXX of which was not specified from why. 

I am beginning to notice a pattern with Rubin & Rotham and XXXX XXXX. My encounters with both of these companies date back to XXXX. This is harrassment. 
It became more apparent last year when XXXX XXXX was suing me, for a medical bill and Rubin and Rotham also initiated a claim against me at the same time. This year they are both back, coming after me again. This time in full violation as if I do not get the right to protect myself. On XX/XX/XXXX Rubin and Rotham took XXXX, XXXX dollars from my account plus a separate amount of XXXX for XX/XX/XXXXknows what!!! .. I received no notice. In fact it was brought to my attention after I called my bank regarding another notice I received Rubin and Rothams partner in crime XXXX XXXX on XX/XX/XXXX ; threatening me with a notice to restrain my bank account on a claim I agreed to pay last year and am still paying each month up to this very month ( XXXX ) they are taking XXXX from me.
Product: Mortgage

XX/XX/XXXX I received payoff statement. Document was signed and returned. The final payment was made by wire transfer. I was told once received it would take 48 hours to process. 
XX/XX/XXXX I called to verify document and payment were received. After being transferred form XXXX to XXXX and back to XXXX I was told the documents and payment have been received. I asked for confirmation in writing all docs/payment were received and the account will be closed. At this point i was told they could not supply this notice and it will take 30 days for a notice to be available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that my personal data had been compromised on the dark web and needed to put a freeze on my credit. I put a Credit Freeze on XXXX, XXXX and EQUIFAX. 

When I called EQUIFAX, I was told that if I put a lock on my account I would be notified who it was whenever someone tried to access my data. And that my PIN number would be send by mail for me to be able to access my account to lock/unfreeze it. 
I have never received any mail with my PIN number or Password. 

Ive called 5 times the last 4 days to get any information on my Credit account, but have been told I should call back, without getting access to my account. 

Today I found out my Birthdate was incorrect and the woman said she would change it, and I could log in after an hour ( they have said that each time ). There may be OTHER PROBLEMS with my account information. I get the same response each time I try to log in, that either, My account is locked, No EQUIFAX account exist, or I have too many attempts, after the FIRST attempt. 

I would like to CANCEL the payment for the account LOCK ( which I receive information from XXXX and XXXX FREE ) and only put a FREEZE on my credit reporting, but I need a PIN and/or Password for the ability to UNFREEZE it. 

I have not had any problems with XXXX or XXXX, and expect the problems with EQUIFAX are common - Regards-
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and Equifax, while XXXX reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while XXXX and Equifax did not disclose it. XXXX and Equifax also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file. 
Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account. 
Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors. 
Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately. 
Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately. 
Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and Equifax. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

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

XXXX XXXX XXXX working on a debt placed with them on XX/XX/XXXX by XXXX at XXXX XXXX XXXX owed by my grandson and cosigned by his parents filed a credit complaint against me. The father of my grandson is a XXXX with the same name as mine. In an effort to apply pressure XXXX filed against my credit. It looks like it worked since the claim is listed as settled. Neither XXXX nor XXXX XXXX XXXX took any effort to correct the mistake of filing against the grandfather. My credit report says being turned over to collection will stay on my report until XXXX XXXX. XXXX info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX In general, I would say the reporting agencies are sloppy as well. They regularly attach my Son, XXXX, to me. Including debts, jobs, phone numbers and address. This has been going on for years despite my having a statement in my credit report asking that I not be confused with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 3 letters to Barclay card, 2 by regular mail, 1 certified. all in the last 30 days starting on XX/XX/2022 the last on XX/XX/2022. 
I have called 4 times asking for them to correct my XXXX credit report. they have correct my transition and eqafax report, they have reported a zero balance on all 3 reports but state I still owe XXXX. I was sued by portfolio collections and paid in full. they have stated that portfolio owns my account and they need to fix my reports. 
in all 3 letters I have inclosed the documentation showing it is paid. I call portfolio collections they stated that they have sent documentation to Barclay and have removed all remarks from my credit reports ( I have verifed that ) on a recorded line 4 times they have stated they will not correct this issue. 
I have attached the documentation I have with account numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

i have incorrect addresses on my report i have incorrect ammounts also and not my credit on my credit