23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX specimen was taken at doctor office and sent to XXXX XXXX XXXX. 
XX/XX/XXXX XXXX sent claim to insurance ( XXXX XXXX ) Sometime later, received bill from XXXX XXXX Partners for same. 
Contacted Specialized Pathology and explained XXXX had already billed and was paid. They said they would note in their files. 
Also contacted XXXX who said they did not provide insurance info to XXXX XXXX because XXXX pays pathologist directly. I was told by XXXX they would contact the pathologist and clear this up. 
I heard nothing, received nothing since then, until last week. 

I received a notice from RMP Collection agency that I owe {$500.00} for this same bill dated XX/XX/XXXX. 

XX/XX/XXXX, I contacted XXXX XXXX, at XXXX, spoke to XXXX, to find out they are no longer in business and they still have this debt on their files and it was indeed sent to collections. 

I have no recourse to remove this debt at the company is out of business and the collection agency will not remove it. 

I received a copy of the invoice, showing debt was paid from XXXX and forwarded this to XXXX. They now will not answer my calls or return my calls to confirm their receipt and that the debt was paid. 

I am asking for your assistance to get this bill removed. RMP says they will put it on my credit report if I do not pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX EXPERIAN THIS ACCOUNT WAS NEVER AUTHORIZED BY ME TO REPORT ON MY CREDIT OR TO BUY MY PERSONAL INFORMATION. ALSO NO RESPONSE FROM COMPANY BY FCRA LAWS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  This is stopping me from getting a house and car loan I have tried several times to get it remove the company didn't find anything wrong they couldn't send any proof no just saying the account was verified 15 U.S.C 1681 there shouldn't be any damages on my report
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$23.00} XXXX XXXXXXXX Balance : {$620.00} XXXX XXXX XXXXXXXX Balance : {$590.00} XXXX XXXX Balance : {$570.00} XXXX XXXX  Balance : {$930.00}
Product: Credit reporting or other personal consumer reports

Privacy Act of 1974 A charge off is considered a XXXX of XXXX which means it is income and must be removed! 


Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal and nonverbal per XXXX XXXX XXXX Effective Immediately and Indefinitely
Product: Student loan

mohela/ XXXX XXXX XXXX XXXXXXXX the agency that seeks profit in the education of young americans will not count my XXXX payments, despite having the information to do so for the past 3 years. 
I have worked in public service healthcare roles for over 10 years- first as a nurses aid to people with developmental XXXX, then for XXXX  years as a XXXX  in a public XXXX, and now i am a XXXX XXXX, in my XXXX  year at a federally qualified XXXX XXXX. despite providing the necessary documents to forgive my loan for 3 years, this agency has only count XXXX of my payments toward XXXX. i have sent my XXXX 's or had my employers certify my employment in XXXX eligible roles. the amount of interest i am expected to pay grows. I AM NOT PAYING A CENT OF THIS LOAN. my PSLF payment count needed to be updated 3 years ago ( when this incompetent agency orginally recieved this information to forgive my loan.
Product: Credit card

I was an Orchard Bank customer in good standing with a {$500.00} secured card. In 2013 Orchard Bank was acquired by Capital One. I now have an unsecured card and I am in good standing with Cap One. I contacted Capital One to find out about the {$500.00} from my secured card. They said they have no record of this. As I looked for commecnts from others regarding this situation on the web I see there are others in the same predicament. I am still pursuing Cap One to make this right.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX  XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXXXX/XX/2024 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I tried to take out {$400.00} from a ATM at XXXX XXXX, it was a XXXX XXXXXXXX XXXX ATM. I was using my Cashapp card to do the ATM transaction and it went through and my money came out. But before I could grab it, the machine pulled my money back into the machine and the money was still taken out of my account and I need this money for bills very very badly and they haven't refunded it yet. I would think that if would be a simple fix and they could easily see the problem and that I never grabbed the money. I was using that {$400.00} for my car payment and now I am super late on my payment because of it and they won't refund it. I opened a claim with the ATM operator and Cashapp but nothing has been done yet. I have included a picture of the ATM operator and phone number, the original receipt and also the picture with the writing is the case number from the ATM operator that I opened a claim with.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Co has been reporting a collection on my credit report for a XXXX account. I asked for validation and information as I do not have a XXXX account. They sent a XXXX bill with the same name as mine, but at an address I don't live at. I asked for them to please clarify to which I never received a response however they did update my credit report to show a balance due of {$160000.00}! I was denied credit twice during that time period due to their negligence. I reached out to them again demanding deletion and have certified tracking showing the letter was received by ERC. They have not responded, but changed the amount reporting to the credit bureaus again since. There are multiple clear violations to my FCRA rights.
Product: Credit card

My husband and I requested that the XXXX benefits be applied to both our accounts because he is in the XXXX XXXX. Bank of America denied our request today ( XX/XX/year> ) stating that our accounts were open after his enlistment. We sent them his military order indicating his time in the service as well as his home of record, which is the state of XXXX a XXXX XXXX state that extends the XXXX benefits to debts incurred not just before joining the service.
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. 

Account name : XXXX XXXXXXXX XXXX  have Violated My Rights : Account Number : XXXX 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 an 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. 

Attached below are the documents submitted showing the filing of the report. The Credit Bureau 's have not addressed the fraudulent account opened with XXXX on XX/XX/2019
Product: Money transfer, virtual currency, or money service

This is a complaint about FRAUD AND ID THEFT by withdrawing money from my savings account at Citibank. Someone registered on XXXX using false documentation and my personal bank details, which I have kept confidential without sharing with anyone, and made several automatic debits for usd {$500.00} without notification from the bank to me that this was happening. The debits started in XX/XX/2019 until XXXX of that year when I realized what happened and started a claim with Citibank. The number of transactions made exceeded the limit of transactions allowed by United States Federal Law, and the bank did not stop these transactions, concluding with the closing of my account for that reason. For example in XX/XX/XXXX 10 withdrawals were made from my account and the limit is 6. This complaint requires the return of USD {$8500.00} drawn from my savings account at CItibank without authorization from me. 

yesterday I received a notification from Citibank USA indicating the payees registered in an ATM / Debit card that I personally cancelled in XXXX at their offices in XXXX, I do not have payees registered by me, however I see a person registered that I do not know so I can verify that the security measures are definitely vulnerable, since someone re-entered my account to register and make automatic payments from my account again. This person has the name of XXXX XXXX, whom I have never met in my life. 
This is additional evidence to the identity theft and fraud that I reported in my previous cases : XXXX, XXXX, XXXX, and for which I continue to claim {$8500.00} fraudulently withdraw from my savings account. 
I have sent letters to Citibank on this matter and they open the case one day and close it the next day without doing any deep investigation as I requested in several times since last year.
Product: Checking or savings account

I am writing to request any assistance you can provide in resolving my mail fraud case and restoration of my {$14000.00} in stolen checking account funds. Per your instructions, I have filed a separate complaint regarding XXXX so this complaint is specific to Wells Fargo, the bank that cashed the fraudulently altered check. Please note I have not contacted Wells Fargo, as I do not have that information and XXXX will not provide it to me. However, per XXXX that have repeatedly reached out to Wells Fargo and have not received a response. I imagine contact from the CFPB might get the attention of Wells Fargo and motivate them to respond. I also imagine I am not the only consumer with a bank waiting on a response from Wells Fargo or XXXX. 

I was a victim of mail check fraud in XXXX XXXX, as a result of the armed theft of XXXX XXXX from U.S. Mail carriers in the XXXX region XXXX As the first anniversary of my theft approaches, I am still awaiting restitution of the {$14000.00} in stolen funds from my XXXX bank account. Per XXXX, they are still waiting to hear from Wells Fargo, the recipient bank that cashed my fraudulently altered check and, since Wells Fargo does not have any real presence in Ohio, this if further complicating the timely resolution of my case, per XXXX. I have also been told by XXXX that there are no rules regulating timeframes for the banks to respond. However, as a customer, I had 20 days, per XXXX policy, to respond and prove the fraud or I would lose all future rights to any claim or restoration of my funds. I have complied with all of XXXX 's request for information and filing of XXXX Police and Inspector General reports and within the 20 day required timeframe and all of these documents have been provided to XXXX on XXXX XXXX XXXX 

It has been challenging to receive any detailed information about my case, anticipated timeframes or even additional actions I can take as a consumer on my behalf, including where to complain. While everyone at XXXX has been cordial and sympathetic, that has clearly not resulted in the expeditious restoration of my fraudulently stolen funds and has not moved Wells Fargo to respond to XXXX. 

My request is full restoration of my funds with interest by XXXX XXXX XXXX, which, as I understand it, requires Wells Fargo to respond and work with XXXX. The XXXX reference number for my case is XXXX. The checking account # is XXXX. 

In addition, expanded Federal regulations that will better protect consumers, improve transparency about this issue and mandate timeframes for responding, communicating and restoring stolen funds appears to be needed. In an ideal world, the Banks would step up to do this in the interest of customer service but I am doubtful that will occur without further Federal intervention. 

Please let me know what additional information you may require and I am best reached on my cell ( XXXX ) XXXX. Thank you in advance for contacting Wells Fargo.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX  XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX XXXX : -
Product: Debt collection

Received a collections letter from CBE Group Inc, attempting to collect a debt that they claim I owe XXXX XXXX. The amount is {$45.00}, as of XX/XX/XXXX. I do not know who or what this company is, I have no knowledge of who or what XXXX XXXX is either. I XXXX  the company name and it is a XXXX XXXX XXXX that has been out of business since XXXX. I have never done any business with the XXXX, I have no reason to need this companies services nor have I ever done any business of any kind with them ever. 
This is an attempt to collect a false debt, If there is any further communications received or if this supposed collections account shows up in my credit report I will file legal actions against CBE Group, Inc
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to LVNV FUNDING LLC. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MT XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$6300.00} ; XXXX XXXXXXXX Balance : {$6200.00} ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX XXXX XXXX. I have included screenshot inside this complaint in on dates of XXXX request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 a credit card was fraudulently opened under my name. The account is XXXX with XXXX limit of {$400.00}. There is a {$330.00} balance on the card that I can see from my report. I did not order this card. I have not used this card. It is not my card. It is identity theft. There is now a hard check on my credit report that has lowered my score. On XX/XX/21 I disputed this with Experian. On XX/XX/21 I called XXXX at XXXX to dispute the veracity of this fraudulent. account. On XX/XX/21 I received a notice from Experian informing me that they have verified my complaint with XXXX  and that they find the card information to be " accurate. '' I don't see how the accuracy of the identity thief is relevant to the fact that this is identity theft. Experian 's motivation in investigating a dispute should be in service of the account holder and eliminating illegal activity. Instead, they collude with the criminal. Neither companies have identified nor acknowledged the fact that I am the victim identity theft whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to TransUnion, XXXX, and XXXX. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to XXXX asking them to remove Several addresses from my report because I only have one address. 

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections! 

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX  XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX 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 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions. ''
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY : XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

During the pandemic I was not using any of my credit accounts due to the everything being shut down and a lot of uncertainties and Capital One closed my Saks first due to not using it and also after 2 years of having the card and keeping it current wouldnt increase the limit.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX sent {$1000.00} to my XXXX  XXXX  which had my bank account linked. On XXXX XXXX XXXX XXXX filed a dispute. I filed a dispute for my {$1000.00} back but the back but my bank declined because of XXXX  XXXX. Im not understanding why because they refunded my money before due to an XXXX  XXXX  issue. My account is now in the negative because of this. I just need this resolved ASAP its been going on two months now.
Product: Credit reporting or other personal consumer reports

Capital One Auto Finance has inaccurately reported late payments on my account. Amidst the challenges of the Covid-19 pandemic, I proactively negotiated with Capital One and reached an agreement based on the pandemic 's impact on my financial situation. Despite this agreement, Capital One has consistently reported late payments to all three major credit bureaus, further exacerbating my financial difficulties. I respectfully demand the removal of these late payment reports from all credit bureaus. Given that my account terms have been adjusted as part of our new agreement, it's imperative for my credit report to accurately reflect this understanding.