23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had XXXX medical emergencies that required XXXX response teams and transported to the Emergency Room. The Ambulance company is called XXXX XXXX XXXX ( XXXX ). 

My insurance company, XXXX XXXX XXXX, has paid XXXX in a very timely way. XXXX continues to state that I do not owe anything for the emergency ambulance services per the No Surprise Emergency Rights & Protection Act. 

XXXX is out-of-network but I am protected by the No Surprises Act for emergency care for balance billing. My insurance company has contacted XXXX and is now in the process of contacting the XXXX, the Collections agency but they continue to harass me. 

From the beginning I have called, emailed and mailed correspondences to XXXX, the first collection agency XXXX XXXX XXXX and now XXXX. 

XXXX and collection agencies all have said that I need to tell my insurance company to pay the balance? That is not true. 

The procedure is that XXXX needs to file a form ( found on the XXXX website ) and the insurance company. It is not something that I can even do. They know that. I have mailed them the form. I have mailed and emailed XXXX XXXX 's phone number. 

On XXXX  letter that they mailed it says to call them with the insurance information. I did ( in addition to multiple emails and mailed documents ) and the representative on the phone refused to take the number. I have sent them multiple times XXXXXXXX XXXX EOB and the XXXX Rights and Protections Against balance billing for emergency services. 

The original XXXX bills state that XXXX has paid them but not what they billed and want to be paid. They direct me to appeal it with the insurance company and if they don't pay that I am responsible for the balance. This is illegal and against my rights and protection. 

They continue and continue to harass me with calls, emails and letters. 

XXXX taken by ambulance to the Emergency Room for a medical condition. 
Trip cost- {$1800.00} XXXX paid- {$870.00} Balance billing- {$990.00} XXXX taken to the ER by my mother. I was admitted to the Emergency room and the doctor order an emergency change of hospitals. 
Trip cost- {$3500.00} XXXX paid- {$1200.00} Balance billing- {$2300.00} XXXX taken by ambulance to the Emergency Room for a medical condition. 
Trip cost- {$2100.00} Ambetter paid- {$830.00} Balance billing- {$1200.00} XXXX XXXX and I filed another grievance against XXXXXXXX. 

XXXX I sent another formal request to XXXX  to stop harassing me XXXX I received XXXX letters from XXXX acknowledging my request to cease further communications but that I still owed the money. This is in direct violation of the No Surprises Act for Balance Billing for Emergency Services. There is no dispute that the services were for emergency. They are balance billing.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX & XXXX XXXX several inquiries were put on my credit report that I dont recognize.
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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX  Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to get my information corrected and still unsuccessful. This company is reporting my name wrong which I believe is creating items to be on my report that are not mine. My name should be XXXX XXXX XXXX. I have submitted my forms of identification which prove my identity and have also attached them here. Also, I have sent disputes via certified mail and attached the proof! Last, the following accounts have not been investigated to be removed or corrected. Once again here are the items I am still disputing with no proper investigation. 

XXXX - XXXX I am requesting investigation of the comments, account balance, and high balance. I believe this information may be inaccurate. Immediate removal of this item is required of you. 

XXXX - XXXX Review if I was late on the dates you are reporting. Please report the payment status positive and remove all lates from reporting on this account XXXX  - XXXX Take off the late things from this account because I believe I made my payment on time. 

XXXX XXXX - XXXX Please remove the late things from this account because I believe I made my payment on time. 

XXXX  XXXX - XXXX I am requesting investigation of the account name, high balance, and account number. I believe this information may be inaccurate. I need this item removed NOW. 

XXXX - XXXX The late history shouldn't be showing lates because I feel I paid on time. Please remove the late payments from this account. 

XXXX - XXXX Please take into account status date, opening date and last activity date because it doesn't seem accurate. Please review and remove this account for the mistakes. 

XXXX XXXX XXXXXXXX I am disputing the financial obligation because there is no contract. It violates the FCRA, so please remove this collection immediately.
Product: Debt collection

XXXX was a place i rented an apartment, this apartment became VERY unsafe for myself and my daughter. We were threatened on numerous occasions, XXXX. I had to leave this apartment prior to lease, i wrote letters to the leasing office and spoke w/ them personally. they said i could leave and no monies would be owed then a collection company reported a {$6000.00} balance on my credit. this is not a true collection! i left for safety issues owing brookstone {$0.00}. NATIONAL CREDIT SYSTEMSXXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied for : 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: Credit reporting

I have contacted Equifax and XXXX in regards to inaccurate information on my credit report. 
I have several inquires on both my reports that was not authourized by me they continue to verify these incorrect items on my reports as correct. 
I have dispute files on my reports with collection accounts asking to prove that the accounts belong to me and to send me validation of my signature as proof that these account belong to me they have not but continue to verify these accounts as correct. 
I have a account with equifax reporting a judgement for county clerk office reporting in correctly as well on my report I have submitted document to the bureau in regards to the county clerk not reporting to the bureau but they continue to verify information that they claim is correct
Product: Vehicle loan or lease

My husband and I bought a used SUV in XXXX of XXXX. I never had any problems paying the loan until I lost my job and moved in the spring of XXXX. I worked with Ally Bank to keep the vehicle. I was told that I had to send a certified check in the mail, and when I did it was sent back. Every time I tried to make a payment with ally they would deny the payment or send it back after I was told to send it. They would have me pay through XXXX XXXX, threaten for the vehicle to be taken, long before I was 60 days past due, I was always in contact with ally bank trying to make arrangements to keep the SUV. The car was repo 'd in XXXX of XXXX. I tried to voluntary repossess the car, but it wasn't picked up for over a month while I kept calling Ally. They would never answer my question as to why it wasn't being picked up. When it was picked up it was XXXX and they knocked on every apartment door because I didn't answer right away because I was sleeping.
Product: Checking or savings account

Sometime in XX/XX/XXXX, I noticed that {$7500.00} had been added to my checking account at Navy Federal Credit Union. I wasn't sure about how those funds were added because the regular deposits I have sent to my savings account plus COVIN money was approximately that amount. Then I discovered that the {$7500.00} was sent to my checking account from my Credit Card account. Then I discovered that my checking account was charged {$32.00} for interest on the {$7500.00} loan. I never applied for a loan. I did not want a loan because I did not need a loan. I had several telephone calls with NFCU all with unsatisfactory results. I requested NFCU to cancel my Credit Card account. I then destroyed my NFCU credit card. They ignored my cancel request and sent me a new credit card. I destroyed the new card without ever using it and made another request to cancel my credit card. My request to close my credit card account was finally honored and the {$7500.00} and {$32.00} interest transactions were reversed. At present my savings account and my checking account are frozen. This occurred some time in the beginning of XX/XX/XXXX. I use my NFCU checking account to pay bills online and my saving account receives funds from several income I receive monthly. NFCU claims my accounts have been frozen to protect my funds, but now I am facing late payment charges from my creditors and a lessening of my credit rating. I need to have my accounts unfrozen so that I can close all my NFCU accounts and transfer my funds to a different bank. Yesterday, XX/XX/XXXX I received a letter from NFCU that didn't make any sense at all. I will attach it to this complaint.
Product: Debt collection

I've had this problem for a long time.I need these collections removed.I have already turned in all the necessary documents, and they still on my report.
Product: Student loan

Navient has been harassing me daily calling me at my workplace where I am not allowed to take personal calls risking my job. They have also called people who I have no relationship to or know and giving them my information for them to get in contact with me. When I was spoke to the representative at navient he was very rude and told me I needed to be man and step up. I told him I had made arrangements and they said they had no record of this. I told them what I could pay and he continued to give me and attitude and said he would keep calling until they got what they wanted and did not want to accept what I would pay and hung up the phone on me after I told them to stop calling my job and reference 's who I did not give to them. They have been calling randomly non stop from random unknown numbers from all over the country and calling and all times of the night and early morning. This harassment is out of control and they are jeopardizing my job by continuing to call job as well as ruining my name here at work. I would please like this to stop
Product: Debt collection

Portfolio Recovery Associates has a purchased debt from XXXX XXXX that does not belong to me. It shows up on my XXXX Credit Report. I was in XXXX XXXX while this account was active and have emailed PRA numerous times and I've gotten no response. I've disputed this with XXXX and they also have done nothing. The debt is for only {$1200.00} but I should not have to pay something that is not my debt. I have contacted XXXX XXXX as well and they verified the social security number and date of birth on the account are not mine. There was an address on the original XXXX XXXX account in XXXX, NY, which I've never lived at nor been associated with. PRA refuses to remove this debt from my account despite me contacting them proactively numerous times to resolve this issue. 

They responded by stating the same inane comments about proving the debt is mine by showing a credit card statement for an address I've never lived at. THE SOCIAL SECURITY NUMBER AND DATE OF BIRTH ON THE ACCOUNT ARE NOT MINE. 
I WAS IN XXXX XXXX  DURING THE TIME THIS ACCOUNT WAS ACTIVE. 

I've contacted an attorney who will be contacting PRA shortly to resolve this.
Product: Credit reporting or other personal consumer reports

Dear Equifax Im sending this second letter in response to your updated letter which stated that you have verified the account. In your letter, you also told me to contact the furnisher about this account. I did that. I sent them a debt validation letter asking them to prove to me that this debt is in fact mine. They never, and I mean never, responded to me. 

From my understanding of the Fair Credit Reporting Act, and please tell me if Im wrong, if an item is unverifiable, it must be deleted, right? Well the collector never responded to my validation request and as a result, the item is unverifiable. Im asking your company to do the right thing and follow the law as its clear, and delete the follow account below : XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

XXXX XXXX  : Account number : XXXX, Account type is incorrect and not correctly displayed. Can you delete this ASAP and send me and update. 

If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office.

( 2 ). File a complaint with the Consumer Financial Protection Bureau.

( 3 ). Explore all legal options on this matter.

I dont want it to come to this. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX and Account XXXX violated my rights. 

15 U.S.C 1681 Section 602 A. States I 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 card

I noticed some unauthorized inquiries on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had talked with a lender and applied with him. We used his specific guidance on a quiz for down-payment assistance, and filled it out exactly as he said we needed to. After we were pre-approved for the loan as well as the down payment assistance and already under contract on a house, he called and said we did not qualify for the down payment assistance, but said he could go ahead with the loan. He had promised and reassured us numerous times that it was good to go before submitting an offer on a house. He never could put together a good-faith estimate, nor any other details as to costs, closing or otherwise. When we asked for explanations for anything, his responses were short and lacking detail and never really answered our questions. He was never able to supply information on any costs related to the purchase of the home, only a guess at what our monthly mortgage payment " may '' be. Somewhere during this process he switched companies but never notified us of the change, only a new email. We decided to go with a trustworthy lender and fired him from our contract, and hope no-one else has to go through the XXXX of his incompetence.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX Called and was told to put in a fraud application. And never recovery anything account was closed out and couldn't find anyone to help
Product: Debt collection

account does not belong to me, but showed up on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to Equifax, XXXX, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back asXX/XX/XXXX I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over XXXX inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests.
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Iquiries and dates : 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 XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX 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- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX # XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX equifax mortgage services-XX/XX/XXXXAs you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Bank Account # beginning in XXXX and ending in # XXXX has violated my rights. 1 5 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

It has come to my attention, upon further investigation, that Transunion, XXXX and XXXX are all violating federally protected consumer laws by selling nonpublic personal information and allowing companies to commit fraud with my estate and violate the privacy act. I have not granted permissible purpose pursuant to 15 USC 1681. All 3 companies have allowed income to be reported on my reports in the guise of a " charge off '' ( certificate of indebtedness ). They are aware that income is not to be reported on any persons credit report. All 3 companies have violated 15 USC 6802 thru 15 USC 6805 and no option to opt out of reporting were given at any time. All 3 agencies have inconsistencies through out ALL 3 reports are to remove the following from my credit report. If anything that has not been validated by myself, remains on my report, I reserve my right to file suit. All communications will be utilized as evidentiary information. 

TRANSUNION : REMOVE EMPLOYMENT " XXXX XXXX XXXX ''. REMOVE ALL ADDRESSES, THEY ARE NON-MAILABLE ADDRESSES. REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX. REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX. ALL COMPANIES HAVE FAILED TO RESPOND TO DEBT VALIDATION LETTERS. HARD INQUIRIES TO BE REMOVED XXXX XXXX ( bank ). 

XXXX : REMOVE NON MAILABLE ADDRESS- XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. REMOVE ACCOUNTS FOR FAILURE TO VALIDATE : REMOVE XXXX XXXX XXXX XXXX REMOVE XXXX - XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX BANK XXXX : REMOVE EMPLOYMENT " XXXX '', REMOVE " XXXX XXXX ''. REMOVE FOLLOWING NON MAILABLE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX '', REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, REMOVE XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX REMOVE FOLLOWING ACCOUNTS : XXXX XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX, REMOVE XXXX XXXX, REMOVE XXXX XXXX XXXX XXXX XXXX XXXX REMOVE XXXX XXXX. 

please be advised, if ANY of the above information remains on my report, i reserve my right to file suit against all 3 bureaus. I XXXX XXXX XXXX have NOT validated ANY of the above information nor was permission given under 16 CFR 313 and 15 USC 1681. I am the only one who can validate any information and I exercise my right to OPT OUT of reporting THAT I DO NOT AUTHORIZE. THIS IS A FINAL NOTICE.
Product: Credit reporting or other personal consumer reports

I contacted all three credit bureaus over the two collection accounts reporting on my credit files and requested proof of wet signature showing that i owed the collections and that the reporting owner is the original account holder.
Product: Credit card

I received an offer from Citi to turn my credit card balance into a flex loan. The offer said that I could get money deposited in my checking for up to my total credit card balance, and I would get a fixed interest rate of 11.99 %. It stated that I would have a minimum payment of {$72.00} every month, which includes both the principal and interest owed on the loan for that month. This would be for 60 months. 

I took up the offer for my full balance of {$3200.00}, and had nothing else on my credit. I have not and dont plan on changing anything else on this card. However when my first payment was billed to me, I was charged not only the minimum payment of {$72.00}, but was also charged {$27.00} interest on the {$3200.00} loan balance. This gave me a minimum payment of {$99.00}, which put me over my credit limit by {$27.00} and was put on my credit report. I was charged interest XXXX both in the agree fixed payment amount and separately on top of what was promised to be my minimum payment. 

Customer service cant understand what the problem is, and after a while promises to refund me the interest to my checking account. I never received any refund, and they wont fix it for the future.