23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received letters and phone calls from XXXX XXXX XXXX in regards to an ER doctor bill from a visit my son had on XX/XX/17. At the time of the visit, my max out of pocket had been met. Additionally, the hospital itself received payment within 2 weeks of our visit. The ER doctor 's office - XXXX XXXX XXXX XXXX failed to file my claim appropriately by not putting my son 's name on the claim. They put my name down as the patient and used my sons DOB and gender, thus my insurance denied it because it didn't match up. The doctor 's office forwarded me to collections. I called GLA and indicated that it was not my error but the doctor 's office and they told me it was my responsibility. I called the doctor 's office and they refiled the claim. My EOB indicates that I have {$0.00} responsibility on this claim. In the meanwhile, GLA put this on my credit report. I do not owe this, it was the doctor 's office error and this matter is on my credit report which wrong and inaccurate. Anthem, my insurance is going to call the doctor 's office, but I want this removed from my credit report. It is not right that it is on there. 
GLA Collection XXXX XXXX XXXX, XXXX, KY XXXX
Product: Debt collection

I ask that you please delete this account because it is not mine because I am very upset that they are showing up on my credit report. I'm really disappointed in them for subjecting me to this. As soon as possible, I want the business to take this off of my credit report. It's not mine at all!
Product: Credit reporting or other personal consumer reports

EXPERIAN has failed to conduct a proper investigation into derogatory account XXXX XXXX and XXXX XXXX XXXX.I have sent multiple disputes and requests for method of verification in accordance with 15 USC 1681i ( 7 ) which mandates that Experian provide me this information in 15 days or DELETE this erroneous, inaccurate, and incomplete accounts.Experian has sent me several " status '' letters acknowledging that they have received my disputes, but stating they think it was sent by someone else.I contacted Experian on XXXX, and XXXX over the phone and spoke to representatives and informed them that it is me who sent in the disputes, yet Experian continues to violate FCRA laws by continuing to report information that has yet to be verified.I have pointed out several FCRA violations.This is not another request for an investigation or an opportunity for Experian to attempt to correct any errors.This is a demand to DELETE derogatory accounts with XXXX XXXX and XXXX XXXX XXXX as they're are inaccurate, incomplete, and unverified hence why Experian has not sent me any method of verification or proof of these alleged debts.Experian AGAIN has updated these derogatory accounts to my credit report today which violates 15 USC 1681e ( b ) .Experian is to pay me {$1000.00} for these FCRA violations to be mailed to my address on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting wrong address for me, which is fraud and identity theft. I never lived at XXXX XXXX XXXX XXXX XXXX XXXX California XXXX, I never lived at XXXX XXXX XXXX # XXXX XXXX California XXXX
Product: Debt collection

ARS has mail letters for years. I consider that MAIL HARASSMENT! FOR THE RECORD, I STATE AGAIN THAT AS I HAVE NO ACCOUNT WITH YOU, NOR AM I YOUR CUSTOMER, NOR HAVE I ENTERED INTO A CONTRACT WITH YOU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a credit score of over XXXX for at least 20 years and this is constant. Nothing new in my financial life is changed. Never paid interest on credit cards because I pay them off every two weeks. My savings is over XXXX in XXXX. I have outstanding credit worthiness and available credit to me is over XXXX. 

Transition decreased my score by XXXX points and when I talked with a Customer service rep. he could not tell me why. Nothing in my report is adverse so now I have this change from Excellent to Very Good for no apparent reason. I will be applying for a small home loan in the future and this will affect my interest rate negatively..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, or XXXX XXXX XXXX XXXX, agreed to remove my credit card account from my credit report after paying a legal settlement for the amount of {$460.00} on my credit card that had a balance of less than {$850.00} on XX/XX/2020. I have spoke with them several times since XX/XX/2020 and they refuse to remove the account on my credit report. I have disputed this with each of the credit bureaus directly and have recently requested by mail that they remove the account and have disputed their actions as well. I find that I will have to resort to legal actions. They show that I have several charge offs on my account, as well as late payments after the settlement was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX .
Product: Credit reporting or other personal consumer reports

To whom it may concern, I was recently made aware of the settlement with Navient. Nobody contacted me regarding the details of this settlement. Are you able to verify if I am on the list of individuals impacted? I've attached an old Navient account summary and the settlement case I am referring to.Mohela services my student loans now. I had a Navient account but I think it was deleted once my loans were transferred. I did not have any visibility when this took place.

How would this settlement impact my current loan status? This also impacted my credit score because I was a victim of a debt consolidation service scam. ( attached contract ). I tried to resolve this issue with the credit bureau however was unsuccessful. 

XXXX XXXX XXXX Any assistance would be greatly appreciated- Thank you!
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX Santander Consumer USA reported a credit inquiry to my credit report as a hard inquiry. I have never applied nor want to apply for credit with Santander. 

I have contacted Santander and they refuse to help
Product: Checking or savings account

i received an email that states mt my chime account changed the password and also a second email that it was logged in by a i phone at XXXX today in XXXX ohio XXXX i have never had a chime account.
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 XXXX 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 XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I am filing this formal complaint due to significant discrepancies in my credit reports, which I believe represent clear violations by the credit reporting agencies, XXXX XXXX XXXX XXXX, the XXXX credit card companies listed on my report, and XXXX XXXX XXXX. These errors have adversely affected my creditworthiness and have caused me considerable financial XXXX 
Additionally, I am opting out of all authorizations. As a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), I hereby rescind any authorizationswhether written, unwritten, verbal, or non-verbalthat I may have granted, pursuant to XXXX U.S.C. XXXX. This rescission is effective immediately and indefinitely. 
XXXX. Violations by XXXX XXXX XXXX : The credit reporting agencies, including XXXX, XXXX, Equifax, and XXXX, have violated the Privacy Act of 1974, the Fair Credit Reporting Act ( FCRA ), and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : These agencies have reported non-public personal information without my written consent, in violation of XXXX XXXX. XXXX. 
They have allowed XXXX XXXX and XXXX XXXX XXXX  to display my transaction history, which is illegal under XXXX U.S.C. XXXX ( XXXX ) ( A ) ( i ) ( XXXX  ). This also violates the permissible purposes of consumer reports as defined by XXXX XXXX. XXXX, as well as the privacy protections under XXXX U.S.C. XXXX, XXXX CFR XXXX, and XXXX XXXX XXXX. 
XXXX. Violations by XXXX  XXXX and XXXX XXXX XXXX  : XXXX  XXXX and XXXX XXXX XXXX  have unlawfully reported my transaction history, violating XXXX U.S.C. XXXX ( XXXX ) ( A ) ( i ). This action also contravenes the Privacy Act of 1974 and the aforementioned statutes. I did not XXXX either institution permission to report my transaction history. Therefore, I request that the status of my accounts be updated to Paid as Agreed for both accounts as a remedy to this issue. 
XXXX. Violations by XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX has violated the Privacy Act of 1974 and the terms and conditions agreed upon at the time of my account opening. Specifically, XXXX XXXX has breached the terms that restrict the sharing of personal information, including provisions for opting out and distinguishing between affiliates and non-affiliates. These actions violate XXXX U.S.C. XXXX, and also extend to violations of XXXX XXXX. XXXX, XXXX, and XXXX. 
XXXX. Violations by XXXX XXXX XXXX : It is my understanding that XXXX XXXX XXXX has obtained my banking transaction history from various banks over the years, possibly since I reached the age of majority. I did not XXXX consent for XXXX XXXX XXXX to acquire, utilize, or report my information to other financial institutions. I am therefore requesting that XXXX XXXX XXXX provide me with a complete record of my banking transaction history as soon as possible, as they have only provided records from the past several years. These records will serve as proof of my claim. Additionally, I intend to seek compensation for every transaction they have on file. As stated above, I am opting out of all authorizations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$490.00} XXXX  XXXX/ XXXX XXXX XXXX Opened XX/XX/XXXX - Amount {$150.00} XXXX  XXXX XXXX  - Opened XX/XX/XXXX XXXX XXXX XXXX  - XXXX XX/XX/XXXX - Amount {$150.00} XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/XXXX - Amount {$840.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - Opened XX/XX/XXXX - Amount {$2000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I dsiputed these accounts with the credit bureaus and some were deleted and reinserted without me knowing and some I have heard nothing about my dispute as if they are ignoring me. I also see an account was reinserted with a different account number. I do not know whats going on or how they can be doing this without informing me first.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Credit Reporting and Request for 1099-C Documentation To Whom It May Concern, I am disputing the accuracy of an account listed on my credit report under 15 USC 1681s-2 , which mandates the reporting of accurate and verifiable information. 

The account in question is as follows : XXXX. Account Name : XXXX XXXXXXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX The balance currently being reported is inaccurate and potentially unlawful. XXXX XXXX XXXX XXXX XXXX XXXX, the issuance of a 1099-C form by a creditor indicates the occurrence of an identifiable event of debt cancellation. Under IRS regulations, Event Code 7 defines such an event as a discharge of indebtedness due to the creditors policy decision to cease collection activity and cancel the debt. 

If a 1099-C form has been issued for this account, the debt has been canceled, and reporting a balance is inaccurate and misleading. I am requesting the following : Verification of the Account Balance : Provide evidence demonstrating that the balance is accurate and collectible. 

Provision of the 1099-C Form : If issued, provide a copy to verify the identifiable event. 
Immediate Deletion of the Account : If the debt was discharged under Event Code 7 or can not be verified, you are required to delete this negative information under the Fair Credit Reporting Act. 

Please investigate this matter within the legally required 30-day timeframe. Failure to respond appropriately will result in further action. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX
Product: Debt collection

After viewing a copy of my report, I noticed a collection account placed on my credit report from Radius Global Solutions LLC in XX/XX/2019 in the amount of {$480.00}. First and foremost, I have confirmed that the debt collector, Radius Global Solutions LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Radius Solutions LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Radius Solutions LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Radius Global Solutions LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$430.00}.
Product: Credit card

Navy FCU XXXX {$24000.00}. Navy FCU XXXX {$19000.00}. XXXX XXXX {$1000.00}. XXXX XXXX  XXXX XXXX {$18000.00}. XXXX XXXX XXXX {$11000.00}. DPT ED XXXX XXXX {$6200.00}. DPT ED XXXX XXXX {$3500.00}. DPT ED XXXX XXXX {$3000.00}. DPT ED XXXX XXXX {$4200.00}. XXXX XXXX {$3200.00}. XXXX XXXX {$2600.00} INQUIRIES : XXXXNAVYFCU XX/XX/year>, XXXXNAVY FEDR XX/XX/year>, NAVY FCU XX/XX/year>
Product: Debt collection

I keep receiving frequent, incessant phone calls from a company that asks for me by First and only part of full name. They offer themselves as XXXX XXXX. I have repeatedly asked them to cease calling my nbr  and was told that they would respect my wishes ; however, have cont 'd and I believe increased calling.

Furthermore, I share the Nbr they are calling. A lady yesterday was told that I was not whom the person was speaking to and that moment someone besides myself was asked for info that they should not and the caller identified herself, company and gave up way too much info ; including, my private, protected info. The family member asserted that this is not the correct practice to solicite info and give up info and the lady quickly stopped ; however, upon call 3 more times, she was told to stop calling the nbr ... She agreed and yet, they continue to call multiple times and sometimes back to back ; including hanging up ...

XXXX is one nbr  that called at XXXX on XX/XX/XXXX ( sub no contact request and grant ) XXXX ( SAME ) at XXXX XXXX SAME nbr  : XXXX  and XXXX XXXX XXXX as well I have copies of phone records and witnesses to repeat dialing, solicitation of private, confidential info to personal family and work members and refusal to stop calling me during work hours and on work phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several months. Each month I get a credit report now to ensure that everything is correct and accurate. In XX/XX/2020 I received all three credit reports and there were several fraudulent information. I sent a package to all three credit agencies stating what information was fraudulent. In XX/XX/2020 I received a new copy of all three credit reports and some of the old information was still on the reports plus there was a new account. I sent all three credit agencies a new package listing all of the information that was being reported incorrectly and that was fraudulent. I have not received my XX/XX/2020 report as of yet but from what I can see on the agencies website the information is still on my report and nothing has been done to remove it. I have attached a copy of both packages I sent in XXXX and XXXX, a copy of my driver 's license for address verification, a copy of ssn card  for identification, and a copy of my identity theft affidavit.The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. I have not obtained possession of goods, services, or money as a result of the blocked transaction or transactions. Also, I have not authorized these transactions or authorized anyone to use my information to open these transactions. It is the result of identity theft. 

Fraudulent information : Installment Accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX
Product: Credit reporting or other personal consumer reports

FTC REPORT PERSONAL STATEMENT : I am filing this FTC Identity Theft Affidavit to report due to fraudulent accounts that show on my consumer XXXX credit report which I do not recognize as reported and which result from identity theft and fraud. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. This is preventing me from being able to get approved for my home loan and I am in disbelief.

CFPB PERSONAL STATEMENT : This CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block and remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

This fraudulent, inaccurate, and false information consists of a few Personal credit card accounts.

ACCOUNT NAME : Conserve DATE OPENED : XX/XX/year> These accounts have resulted in fraudulent hard inquiries and collections appearing on my consumer XXXX credit report, leaving me with so much stress. I demand that the previously mentioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease according to my rights within the FCRA and FDCPA laws. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all previous consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.