23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Date of Service for medical procedure : XX/XX/2022 Amount billed by XXXX XXXX BEFORE XXXX health insurance processed claim : {$5000.00} DATE XXXX  FINALIZED CLAIM FOR DATE OF SERVICE XX/XX/2022 : XX/XX/2022 XXXX  adjusted contracted rate with XXXX XXXX for medical service on XX/XX/2022 : {$1500.00} XXXX  benefit paid to XXXX XXXX for date of service XX/XX/2022 : {$640.00} Patient responsibility AFTER XXXX  processed insurance claim : {$880.00} During the claim process we received bills from XXXX XXXX for the total amount of {$5000.00}. Every time I received a bill from XXXX XXXX I contacted their billing department and advised the claim was being processed by my healthcare provider. Every time I received a bill from XXXX XXXX in the amount of {$5000.00} I contacted my healthcare provider inquiring status of claim. 
Every time I contacted my healthcare provider I was advised the claim was still being processed and they advised they would contact the billing department at XXXX XXXX which they did and XXXX XXXX advised the bill was put on hold. On XX/XX/2022 I received notice from collection agency for {$880.00}. XXXX  never gave me the opportunity to pay my patient responsibility and sent my account DIRECTLY to collection agency.
Product: Credit reporting or other personal consumer reports

MY ACCOUNT # XXXX Hope everything good I'm just lettin you know Im disputin that debt under the Fair Debt Collection Practices Act This aint me askin for no more proof or paperwork Im just tellin you straight up I dont agree with it If you got ta reach me do it through email only Monday to Friday XXXX to XXXX east coast time Dont try no live calls or voicemails and dont be sendin no mail XXXX XXXX none of that its just a hassle Appreciate you understanding
Product: Debt collection

I receive updates from XXXX XXXX and on XX/XX/XXXX I got a new collection notification. Credence Resource Management Collections. On my credit report it states a soft inquiry was done on XX/XX/XXXX or XX/XX/XXXX by this credence resource company and the next day the amount of XXXX. Was authorized to me by XXXX XXXX XXXX but we have always had XXXX. And than on XXXX it was reported to my credit as been sent to collections? When I called CRMC they did not have my phone number, my full address or correct email address. They offered me a deal or to send me a packet for fraud. I filed a report with the XXXX police, XXXX XXXX XXXX couldnt find an account with my name and are sending me a packet for fraud and the Az attorney generals office told me to report to yall. 
No one in my family would switch to XXXX XXXX XXXX I did not do this and I think its very strange CRMC did an inquiry without my knowledge or had my info. And that they could just access my report and claim this is wrong! It is not our debt
Product: Mortgage

In XXXX I received a modification from my mortgage lender. When COVID came, I tried to stay current with my payments, but I could not and defaulted in XXXX of XXXX. I called my lender for assistance and was told to go on the website and put in my loan number and fill out the application. When I put my loan number in an application came up that was 2 pages and did not ask any income or expense questions. I filled out the application and sent it in. I then received an approval for double my current payments and then a balloon payment of {$29000.00}. I ran into a hardship from the pandemic and now I am afraid I am going to lose my house. I can not afford to double my payment from {$1500.00} to {$3100.00} and then come up with almost {$30000.00} in 12 months. I just want to be able to get caught up from the pandemic and resume my payments that were affordable. I feel as though my lender is putting me in a position to fail and I would like to keep my home.
Product: Vehicle loan or lease

My car was repossessed last Thursday night on XX/XX/2024. My car was parked at my mechanics house because it needed to be fixed. It mustve had a tracker in the car that I knew nothing about. I borrowed my friends car because I do have children to attend to and other responsibilities. A payment was made to them on XXXX XXXX which posted on my account in XX/XX/2024. They asked for notarized documents stating that I will not dispute a payment that was already processed and posted. As well as a bank statement showing that it had a positive balance and posted amount. I sent over 3 emails to them with there request and it is still not legitimate enough. They wanted the payment via XXXX XXXX or XXXX XXXX. The account number they gave me didnt match my online account number that I have in my records. That didnt seem right. So I paid online {$880.00} and received confirmation. If I wanted to dispute a payment I would dispute many other payments I made with them! I didnt receive a repossession letter! I made a payment and gave them what they wanted but that wasnt to their liking and I still dont have my vehicle they will not release. My car is getting sent to an auction. I did my part and paid online because I was just a victim of fraud this company is trying to penalize me and my rights!!!
Product: Credit reporting or other personal consumer reports

Im trying to move on with my life after someone stole my identity all I ask of this company is to protect my rights as a consumer in follow the 15 USC 1681 there should not be any damages on my report it is a defamation to my character Im providing proof of my address
Product: Debt collection

Upon checking my credit on XXXX and XXXX, I found a new collection under Enhanced Recovery ( ERC ). I 've already submitted a dispute on both credit bureaus because I have no knowledge of this debt. The collection info says I owe XXXX {$460.00} as of 2012. I did not even have an account with XXXX XXXX XXXX around that time. I have never been contacted by XXXX XXXX XXXX saying I owe them anything, so I 'm pretty sure this is a scam. I 'm sending a letter to ERC today via certified mail, with return receipt requested.
Product: Student loan

I tried to release co-signer and was constantly given bad info. 
I refinanced my home and paid off the loans and Navient is still refusing to update the credit reports and/or release the co-signer and update his credit report, XXXX XXXX XXXX XXXX. They received the payment on XX/XX/2018 by US Priority Mail. Have cashed the checks and still they refuse to update my report, remove co-signer. They are still billing me and have added XXXX XXXX to the interest and principal. 

I have called, sent letters, attached a letter with the pay off. They said that the Federal Gov't does not allow them to adjust a pay off that they have to wait 30 - 45 days to do so. This is a total lie. 

I want this off of my Co-Signer 's report and I want a pay off letter and my credit reports updated ASAP. This is negatively affecting my credit and they already have their money since last Monday. I should not have to wait 30 - 45 days for them to continue to bill me and refuse to give me a pay-off letter which is my right.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized hard inquiries on my credit report, dated XX/XX/XXXX. These inquiries were made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681 et seq., Section 604 of the Fair Credit Reporting Act ( FCRA ), which stipulates that a consumer reporting agency may only furnish a consumer report under specific and permissible circumstances. 

The following inquiries on my report were made without my authorization : XXXX XXXX - Inquiry dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX. 
XXXX XXXX - Inquiry dates : XX/XX/XXXX, XX/XX/XXXX. 
XXXX XXXX - Inquiry date : XX/XX/XXXX. 
XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX. 
I did not apply for credit, insurance, or any other service from these entities, and as such, these inquiries are a violation of the permissible purposes outlined in Section 604 of the FCRA. 

I respectfully request that you : Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Account has been paid off since XX/XX/XXXX of this year but its still reporting on my credit and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
Product: Credit reporting

Hello, My name is XXXX XXXX XXXX and I would like to file a compliant against Equifax for reporting a collection account to my name that has been paid through my insurance in full and no longer owed. On XX/XX/XXXX I began my dispute process with Equifax, which has been XXXX of the most tormenting experiences of my life. Initially they processed my dispute and quickly claimed it was verified to me. Then, I began sending them requests to know how these items were verified when my insurance had covered the balances completely through XXXX XXXX on XX/XX/XXXX. This Item was placed in collection by accident and was never overdue or owed. Equifax only claimed that they would no longer process any more disputes or letters from me on the matter and quickly shut me down with no evidence of an investigation, no results regarding how the invalid collection was verified and no answers on who verified it and when. I sent Equifax numerous letters stating that what the collection company was doing was in violation of FDCPA laws and FCRA laws and they were reporting me illegally with no available debt validation. I have filed CFPB complaints against Collection Consultants in XXXX CA for illegally and fraudulently reporting onto my credit file with Equifax. Under FCRA guidelines I understand that as a consumer I have rights to dispute inaccurate and invalid items as needed and that my credit file must be reported with 100 % accuracy ; and this account is absolutely in violation of that and I question the methods that Equifax is utilizing to verify consumer disputes.
Product: Credit reporting or other personal consumer reports

I submitted a FTC report Fcra, 609 forms to XXXX, which they have not taken care of correctly.Fraud accounts I never used or owned because they were never mine they have not taken off. There are XXXXXXXX XXXX XXXX accounts and a XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXAlong with XXXX addresses on file that were never mine that I requested to be deleted and never were. The FTC report was delivered Tuesday XXXX XXXX I will attach a copy. I also called there fraud department at XXXX to let them know about the problem and nothing was ever resolved Thank you.
Product: Credit reporting, credit repair services, 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. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXAccount # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
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: Payday loan, title loan, or personal loan

opportun is falsely reporting my acct. on XXXX my credit report indicated that my balance increased between XX/XX/XXXX and XX/XX/XXXX and that my balance increased from {$490.00} to {$510.00}. Also that I am 30 days behind. This is incorrect. 

I made the following payments {$100.00} on XX/XX/XXXX, {$50.00} and {$14.00} on XXXX. Between XX/XX/XXXX and XX/XX/XXXX my balance should of been around {$390.00} not {$510.00}. 

I spoke with A mgr at ( XXXX ) XXXX on XXXX who informed me that they report a month behind and that my report is reflecting data from XXXX. If thats the case then why does it state between XX/XX/XXXX and XX/XX/XXXX. 

I did dispute through the credit bureaus and Oppprtun indicated it was correct. 

Please have this investigated. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I sent a letter to TransUnion XXXX in reference to incorrect data that was on my credit report stating that The US Bankruptcy court reported case filing data to them. I sent the letter to them showing that they were not correct when they stated that the court verified to them the filing status as it pertains to their public records. TransUnion XXXX sent me a letter back stating that the information was verified by the court which is not a true statement because the courts do not verify credit information.
Product: Credit reporting or other personal consumer reports

I have spent over 100 hours, and now over 4 years, trying to work this out with the bank and also disputing these debts, asking them to remove or overturn the fraudulent charges on my old accounts, from the identity theft I XXXX, and STOP reporting false, never validated debt information, to the credit bureaus, especially since this has ALL already been adjudicated by XXXX  courts over a year and a half a go, and these were charged off accounts now over 4 years ago, I have asked them to overturn the fraudulent charges AND most of all, to remove all negative information from the credit bureaus. They just keep stalling and NOT addressing the problem, though I have been explicitly clear repeatedly. I have extensive info and evidence that I will attach. Please help me?
Product: Debt collection

This company refused to help me in my hard time, when the automatic line said they will help with hard times. They refused to help me even a little. Then they closed my account, and threaten to sue me and now the account was sold to collectors and written off
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX CHASE placed inquirys on my XXXX and XXXX  reports even while there is a fraud report and police in place I have contact chase thru mail and was sent a letter saying they were to be removed, to date none have been removed!
Product: Credit card or prepaid card

on XX/XX/XXXX-17 i paid a company called XXXX XXXX the sum of XXXX on my synchrony card.I told the bank this company sold me a bill of goods under false pretenses.I paid a company who I thought was XXXX XXXX but turned out to be a company called XXXX XXXX.I told the bank I had never done business with a company called XXXX XXXX.It turned out XXXX XXXX who is in kahoots with XXXX XXXX sent us a brochure XXXX XXXX to cover their scam.I talked to XXXX XXXX who is suppose to be a lawyer with no bar license in all 50 states.I was to receive a full refund no problem.I have e-mail proof of this.Then when i found out my card was charged by XXXX XXXX I contacted the company and XXXX XXXX told me i would receive a full refund.I have the e- mails as proof.How can the bank deny my dispute when i have proof i am owed the refund.I was never rendered any service from either one of these companies.I have all this in black and white.My bank needs to take a serious look at these companies .With the evidence I have there is no way I should not have won this dispute.I feel this was not taken seriously by my bank.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring attention to an egregious violation of my consumer rights by TRANSUNION and XXXX XXXX. My credit report inaccurately reflects a timeshare account that was reported as a mortgage without my authorization. This misclassification has caused significant harm to my credit profile and violates several consumer protection laws. 
1.The timeshare account is unauthorized and was reported without my consent.

2. It is inaccurately classified as a mortgage, which I do not have.

Legal Violations to Highlight : 1.Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : The credit bureaus failed to ensure maximum possible accuracy by misclassifying the timeshare.

15 U.S.C. 1681i ( a ) : They have not promptly corrected this false information.

FCRA Section 611 ( a ) : Failure to investigate and correct inaccurate or unverifiable information.

FCRA Section 607 ( b ) : Obligation to ensure maximum possible accuracy in credit reporting.

Truth in Lending Act ( TILA ) : Regulation Z : Failure to ensure accuracy and disclosure regarding loans and credit-related accounts. 
The reporting creditor violated the disclosure requirements by misrepresenting the nature of the account as a mortgage, which is deceptive. 
Gramm-Leach-Bliley Act ( GLBA ) : Reporting the timeshare without my explicit permission violates my right to privacy under this act.

Failure to safeguard consumer data and ensure it is used solely for authorized purposes.

Unfair and Deceptive Practices ( 15 U.S.C. 45 ) : Misreporting the timeshare as a mortgage constitutes an unfair and deceptive practice, damaging my creditworthiness.

Impact on Me : This inaccurate reporting has caused harm by misleading potential creditors, leading to a higher credit risk profile and undue stress. 
Emotional distress due to the lack of compliance with consumer protection laws A breach of my privacy rights. 
thanks for your attention to this issue, I hope it can be resolve as soon as possible.
Product: Credit card

I received notification from XXXX XXXX that my Care Credit account has been closed on XX/XX/XXXX. I paid off my account in full on XX/XX/XXXX. So I had {$0.00} balance. I am actually not sure when they closed my account as I have not received any notice from Care Credit. I did not receive notification that they closed my account nor did they provide a specific reason other than responding with a general we have process that we follow answer. Three months later they closed my account with no warning.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, everything must be 100 % accurate in my credit report and under 15 US Code 1651e ( b ) and 15 US code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my rights protected consumer rights to privacy and confidentially under 15 USC1681. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. I have paid this account as agreed, in 2022 I had to file the overage on my taxes which penalized me and yet this is still reported on my credit report as a negative account. 
XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I paid it and I had to file it on my 2022 taxes. 
XXXX, Acct # XXXX, has violated my rights. Same for this account as listed above. I had to file it on my taxed on 2XXXX XXXX XXXXXXXX, Acct # XXXX, has violated my rights. Same for this account. I paid it and had to file it on my taxes in XXXX XXXXXXXX XXXX, Acct # XXXX, has violated my rights. I have went to court XXXX times with this company and they were a no show three times, the court dismissed the case. The currently keep switching attorneys and is harassing me. 
It is against my rights to have to file credit cards as income on my taxes. XXXX XXXX, XXXX XXXX and XXXX sent me information to place on my taxes and I had to pay taxes that year as they counted this as income. That is ILLEGAL.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

DPT EDXXXX XXXX Balance Owed : {$1400.00} ; DPTED/XXXX XXXX Balance Owed : {$920.00} ; DPT EDXXXX Balance Owed : {$4200.00} ; DPT ED/XXXX Balance Owed : {$9100.00} ; XXXX XXXX XXXXBalance Owed : {$19000.00}.
Product: Checking or savings account

A few days ago {$150.00} was taken from my account. I did not authorize these charges. Upon calling Chase they claimed I set up a payment plan to pay my credit card. They were able to see I had other payments cancelled but not that one. When I asked to put a stop payment they would not do it. When I asked for a refund they told me I would have to wait 14 days pending an investigation. How is it fair that I may or may not receive my money taken from the same bank account my credit card is issued under the same bank, yet I didnt authorize this payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Convergent Account XXXXXXXX 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 602 A section 2. It also states a Consumer Reporting Agency can not furnish a account without my written permission or instructions.
Product: Credit reporting or other personal consumer reports

I do not believe the information reported on my credit report is valid. The balance on this account is showing as open and that is incorrect. I have tried handling this with the company but they refuse to take action or do what needs to be done to correct this and it has negatively impacted my credit score.