23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The original collector, XXXX XXXX XXXX, did not submit my claim to insurance, nor did they send me a bill for a service date of XX/XX/XXXX. I did not receive a bill until XXXX sent me a bill for XXXX. I first contacted them inXX/XX/XXXX, and one of the ladies said she would send it back with my insurance information to be processed. The claim was denied because they did not file in a timely manner. When claims are not filed in a timely manner and the claim is denied, the provider must either write the amount off or try filing another appeal. 

I did not receive bills again from XXXX until XXXX or XX/XX/XXXX. I recently reached out again on XX/XX/XXXX and the agent that I spoke with offered me a settlement of {$790.00}, I asked if he could send me that in writing or at least email and he advised that they do not do that. I then advised him that the claim was never sent through my insurance and I would try reaching out to the original collector, XXXX XXXX XXXX, to see if they could send it back. XXXX stated that once it has been turned over to a debt collector, they can't do anything and that I would have to call XXXX and have them send the debt back. 

I reached out to XXXX again on XX/XX/XXXX and advised them again that the account was never submitted to insurance. The agent then told me that if it wasn't sent through insurance then the full amount becomes patient responsibility, which is incorrect and illegal. I advised him that it is illegal to not file with insurance if someone pays for and carries insurance. He again stated that it is patient responsibility and that is why he offered a 30 % discount. I advised him that even with the 30 % discount it would more than likely be more than what I would pay if they had filed through insurance. I asked him if I could give him my insurance information so it could be sent back and he stated that there was nothing he could do and he can't send it back. I advised him that I would not be paying at this time, because it was not submitted through insurance and once it's submitted then I will pay it. He said he would notate the account and that was the end of the conversation. 

I am lucky that I know my rights as a patient, but I am worried that this company is telling other customers this same thing and they are paying amounts that they do not need to be paying.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Debt collection

i have not been contacted at ALL regarding this debt and not given an opportunity to correct or pay this debt. I have not received 1 letter regarding this debt. I would like the opportunity to start paying it and getting it off of my credit report. I would like to be contacted by mail. I am still a XXXX and do n't want this debt to be on my credit report.
Product: Payday loan

Spot Loan is saying that i applied for a loan back in 2014 and money was deposited in my XXXX account. I have n't not had a XXXX account nor did I apply for a loan. They have called several times but will not give out any information. A XXXX got real upset with me and told me " good luck. '' XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm currently going through a drawn process of disputing and removing a fraudulent item on my credit report from EXPERIAN. 

In XX/XX/2016 an account stating that I owed XXXX XXXX XXXX an amount of {$5700.00} appeared on all three credit bureaus. After I noticed this error I immediately had a fraud alert place on all my credit reports from the credit reporting agencies then disputed them ; this took some time but eventually, I successfully had this entry removed from my XX/XX/XXXXand XX/XX/XXXXcredit reports having proven my identity was stolen and used for fraudulent purposes. 

Experian has given me a very hard time in removing this entry, I have disputed this entry from XXXX XXXX XXXX through Experian over several occasions and have not been successful, each time the entry comes back as verified also no method of verification was stated to me for my records. I have sent multiply documents to Experian more than proving that this item is an account due to fraud and nothing has been done. 

This run-a-round has cost me my time, money, and opportunities due to this account. Ps. I've also tried contacting the furnisher of this account XXXX XXXX XXXX XXXX XXXX and have never received any response. Experian now REFUSES to dispute any disputes I submit pertaining to XXXX XXXX XX/XX/XXXX which is gross disregard of my rights according to the Fair Credit Reporting Act. 

I am completely holding Experian responsible for all damages caused to credit information they possess under my name. 

I aslo want to be absolutley clear that I am submitting this complaint of my own accord.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX XXXX and XXXX data breaches. I have noticed some unauthorized accounts on my credit report that are inaccurate and incomplete. This is hurting my chances at getting another mortgage/home and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Credit card

I've consistently ensured that payments on this account are timely, avoiding any overdue payments. However, I'm confused by reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit reporting

Transunion reported a XXXX tax lien on my credit report that does not exist. I contacted the source reported and they denied such a lien exist and wanted to know why did transunion report a lien that does not exist. After contacting transunion they deleted the lien but left my score unchanged my score was XXXX now its XXXX this is unacceptable not only is this a violation of fair credit reporting this has caused my auto loan refinance to stall and damage my credit for no reason. Contact with them has not fixed the problem and they also updated my address to one in XXXX. Legal action is my next step.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute of items that were alleged to belong to me to XXXX, XXXX, and Transunion. It has been past the 30-day time frame outlined in the FCRA 611 ( 15 U.S.C. 1681I ). This is unacceptable I and this inaccurate information is staining my credit report, which I've worked hard to build. I'm not sure, but the alleged items could be linked to the XXXX data breach are. I would like this information removed immediately per the law or I will instruct my attorney to proceed with filing litigation to remedy this problem.
Product: Debt collection

This company is Tower Loan. They are calling me saying they can not get ahold of my relative whom lives at her own residence. This relative has apparently signed a title loan, which I knew nothing about. They have her current residence, phone number, and LOCATION. I have never done business with this company and I have never given anybody permission to call me from this company. The first call was on XX/XX/18 at XXXX XXXX from XXXX. They called my home telephone and did not leave a message. I returned the call and they said they were calling in reference to someone else and they hung up. They called again the next day on XX/XX/18 from XXXX at XXXX XXXX  on my home telephone and did not leave a message. I returned the call and they said they were trying to reach my relative. I responded by stating she has been at her current residence with the same phone number for years. I can not help that she may not answer her phone as she may not always hear it. The caller also stated to me " I wasn't going to ask you for money ''. I stated to her " my relative 's car was at a body shop and had been wrecked and she may be riding the XXXX XXXX XXXX bus for errands and may not be home '' ; however, they already knew that her car was wrecked! Debt collectors can only contact your family to locate the debtor, not to collect money for another 's debt, and theyre only allowed to contact a person once. Debt collectors arent allowed to tell your family about your debt unless youre a minor under age XXXX or the family member cosigned the debt with you. Otherwise, theyre breaking the law. And if the collector already has the debtor 's address and phone number, theyre not allowed to contact your relatives at all. So why am I being called from this loan company?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are charged-off accounts being reported on my credit report after I've sent several written letters, most recently on XX/XX/2023, asking that the charged off accounts be deleted entirely from my Credit Report. 

As detailed by the IRS via www.irs.gov- a creditor files a form 1099c ( Cancellation of Debt ) when they charge off a debt greater than {$600.00}. When debt is written off by a creditor, the form 1099c classifies the written off debt as taxable income of the debtor. Thus, these charged off accounts have been added to my taxable income and I have paid taxes on said income. As a result, the 4 charged off accounts on my credit report must be deleted entirely, as they are inaccurately reporting these accounts on my consumer report. 

I have written to the Creditor asking that they provide me with a copy of the 1099c forms for each charge off on my credit report, so that I can forward it to the three Credit Bureaus as proof of the written off amounts being taxable income and I have forwarded the corresponding information to XXXX, XXXX and Experian, to no avail. I have followed up in writing to the XXXX Credit Bureaus and the continue to update it as accurate. My consumer rights are being violated, as they are inaccurately reporting information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I found inaccurate information on my credit reports and sent disputes to all 3 credit bureaus ( Transunion, XXXX  and XXXX ) by certified mail. I also included copies of my drivers license, Social Security card and proof of my address. I received the certified copies back dated XX/XX/2018. I understand its Federal Law that the credit bureaus have 30 days to verify the disputes and answer back to me. XXXX is the only company who has responded and removed the disputed items I asked to be disputed. As of today XX/XX/18 Transunion and XXXX   both refuse to follow the law and answer my disputes. I will include all information and copies of certified receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UND

ER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to check my credit card balance on my Home Depot card and {$600.00} dollars of my credit limit was gone. I called them immediately and they said it was because of my XXXX score. I don't know if they pulled my credit score but they are one of my creditors. This was on Friday the XXXX of XX/XX/2023.
Product: Debt collection

This is not my account and I have not contract with them and going after my for no reason I went to court and they didn't even show up to defend the petition so I do owe this dedt
Product: Debt collection

I am writing about an inaccurate information on my credit report due to identity theif. The collection account in question is credit collection services. I recently this account on my credit report that I did not autherized. 
Section 605B of the Fair Credit Reporting Act ( FCRA ) is a crucial provision for victims of identity theft. This section, often referred to as the " 605B credit block, '' provides a powerful tool for consumers to combat fraudulent information on their credit reports. Here 's a breakdown of its key components : Right to Block : Section 605B gives consumers the right to request that credit reporting agencies block the reporting of information in their file that resulted from identity theft.
Product: Credit card or prepaid card

Hello On XX/XX/2019 XXXX *XXXX XXXX CA Type Purchase in the amount of {$930.00} On XX/XX/2019 BOA ADJ/XXXX XXXX  Type Bank Transaction I asked for a charge back - {$930.00} On XX/XX/2019 BofA reinstated the charge Case number XXXX BofA Credit card Chargeback services sent me a written letter Post marked XX/XX/XXXX First class mail from Delaware Zip code XXXX to my zip code XXXX, in other words from the corner of America on the East Coast to the bottom of America on the other side and expected me to reply by XX/XX/XXXX. So they expected a letter sent first class to get to me in 3 days and i would be able to fill it out. I didnt receive letter until XX/XX/XXXX and sent them a fax that day ( however i dated it as XX/XX/XXXX, I thought it was XX/XX/XXXX). They then ruled against me in charge back and applied {$930.00}. 
This is totally unfair and written correspondence going from coast to coast should be given at least 1 week response time. I have the postmarked letter dated XX/XX/XXXX and the letter stating i need to reply by XX/XX/XXXX 8th
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Under the Sweet v. Cardona Settlement, it was determined my school ( XXXX XXXX University- which is the subject of other lawsuits as well ) committed fraud and my federal loans were ordered to be XXXX and refunded. Private loans taken under the same principle ( being misled by the aforementioned fraud school ) should be XXXX and refunded as well. I have received news that there are applications from Navient being sent out regarding the topic and it's only being offered to certain borrowers. They are being very XXXX about it.
Product: Checking or savings account

XX/XX/XXXX citizens claims i had XXXX transactions resulting in an overdraft of {$70.00} showing up on my account XX/XX/XXXX monday, i called and chatted with them throughout monday and was told if i covered the transactions the {$70.00} overdraft fees would be removed tuesday. tuesday comes and the fees are still on my account so i chat with them again and they say that it needs to be a little longer then theyll be removed, they havent, this is the second time this bank has stolen my money and i still havent even gotten my {$400.00} from the original special offering they had. they now claim that the disputes of the fraud need to be provisioned in order for the overdraft fees to be reimbursed
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2300.00}.
Product: Credit card

I ask to close account the offer me a settlement paymentof 59 % off I paid half XXXX they said I had still XX/XX/XXXX to pay rest when I call to do on XX/XX/XXXX they told me my payment was not stated it was for offer. BUILD CREDIT CARD
Product: Credit card or prepaid card

My minor child received an unsolicited Netspend Prepaid Mastercard in the mail.
Product: Debt collection

I keep getting phone calls every single day. I don't owe any debts to anyone or any company. 
Ive called them 4 times in a row to get information & they wont tell me anything. They just ask me questions about my family members and personal information. Which I refused to give them because they are calling ME. 
When I called them back they said someone I know used my phone # during an application for credit or utility of some kind. They wont give me any other information. 
I told them to stop calling me because I dont owe them anything. 

SEQUIUM - ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had a fraudulent account through XXXX for almost 2 years. I had repeadly told Chase I don't have an account with them. They started giving me a hard time. Said I had to prove I didn't have an account. All the while I was denied having an account, I finally after 6 months contacted XXXX. I emailed & wrote to them with no response. 
I told this to Chase. Never once was I told of a 60 day rule. When I spoke to XXXX I did not have an account. There were 6 accounts attached to my named. I was told they could not closed the account. 
I was given the name of the person that was using my name. Then I started looking at my invoice. The XXXX number & the subscription number were the SAME. This got by CHASE 'S HIGH TECH SECURITY!! I couldn't believe it! I went numerous debit cards a checking account. To this day I found the person gave them ALL the information and it still gets through. 
They refuse to honor the money back after the 60 days. They stick by their rules, but their security was at failed and still does!
Product: Credit reporting or other personal consumer reports

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 Experian 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 Re XXXX Removal of XXXX XXXX Credit Card Account ( XXXX ) and removal of negative comments ( i.e. collections ) from XXXX, Experian, & XXXX credit report. 

In XX/XX/XXXX, I contacted XXXX XXXX to remove my account from their system & contact : XXXX, Experian, and XXXX requesting my credit file be deleted from their system. According to XXXX XXXX, they can not locate my account. Additionally, I this account has been closed since 2018. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires credit bureaus to delete any account/credit report from their system that is 7 years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments.

Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 
On XX/XX/XXXX, XXXX deleted and removed XXXX XXXX XXXX XXXX ( i.e. item ) from my credit report. 

I ask that your company follow suit as XXXX has done by deleting and removing XXXX XXXX XXXX XXXX from my credit report and/or your database. ( see attached exhibit A ) See attached documents
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mailed me a copy of my credit report after I disputed inaccurate information. Equifax report mailed to me dated XX/XX/XXXX, confirmation # XXXX has information that was deleted from my credit report. Recently, on XX/XX/XXXX, I downloaded my Equifax credit report and nothing has been removed from my credit report. Equifax blatantly lied to me and didn't delete or change anything on my credit file. This is a Strict Willful and Neglect Violation of my Protected Rights under the Fcra. This has been devastating for me financially and had caused my credit file to be unworthy. In my dispute the inaccurate information being reported by Equifax is my address. All hard Inquiries, Public Records, Closed Account World Finance, Collection Account ( New ) XXXX and Associates. The XXXX XXXX Account I'm disputing now, violates federal law " No Surprise Act XXXX '' - Surprise medical bills arise when insured consumers inadvertently receive care from out-of-network hospitals, doctors, or other providers they did not choose. 
in-network hospitalizations for non-emergency care include surprise bills from out-of-network providers ( such as anesthesiologists ) whom the patient did not choose. Surprise medical bills pose financial burdens on consumers when health plans deny out-of-network claims or apply higher out-of-network cost sharing ; consumers also face balance billing from out-of-network providers that have not contracted to accept discounted payment rates from the health plan. 
XXXX Services Surprise billing protections4 apply to most emergency services, including those provided in hospital emergency rooms, freestanding emergency departments, and urgent care centers that are licensed to provide emergency care. The federal law also applies to air ambulance transportation ( emergency and non-emergency ), but not ground XXXX XXXX  care includes screening and stabilizing treatment sought by patients who believe they are experiencing a XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent 5 letters now one with tracking with signature confirmation they signed for it and still call and send letters. I requested them to cease all communications but they refused and think they are above the law. I have called and sent emails as well calls and massive amounts of mail come from them. The tracking number that they signed for is XXXX XXXX XXXX XXXX You can see if was signed for and received. At this point, they are willfully violating the FDCPA. I don't know how many more times I have to send them a cease and desist letter for them to ignore it even will it was signed for and reviewed by their staff. 

Reputable debt collectors do not violate the FDCPA and I would advise anyone reading this review not to communicate or do business with this company that does not follow the Fair Debt Collections Practices Act ( FDCPA ) which is the law! 

Legal action is being considered for FDCPA violations.