23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Placed a temporary credit freeze with Equifax after their XX/XX/XXXX data breach, on XX/XX/XXXX. Now I am trying to unfreeze my credit ( XX/XX/XXXX ) so we can apply for a home mortgage and other credit and we are unable to get through to them to lift it. Their automated phone freeze line is faulty and inoperative and so is their automated website freeze feature. I have been calling with no success either. This is a huge problem and was supposed to be an easy process. i have been reading XXXX posts, and other comments on various websites about many other people who are still experiencing similar issues well into XX/XX/XXXX. How is this not fixed yet? 

I feel like I am being taken advantage of and punished for something that is not my fault. Equifax gets hacked and our personal data stolen, and now I continue to pay the price and can't even lift a simple credit freeze so i can live my life. 

Once I can finally get through to them or lift the freeze I am tempted to cancel the freeze altogether. This has been such a frustrating, painstaking, and miserable experience that I can't even imagine trying to go through the freeze/unfreeze process again. 

How is it that they mess up, and they aren't held accountable? Consumers are still paying the price. The CFPB needs to hold Equifax accountable and ensure that their phones, websites, and staffing are sufficient and adequate to handle the vast number of American consumers affected by this scandal. What good is a credit freeze if you can't ever lift it when a life circumstance warrants it?
Product: Debt collection

On XXXX I received a call from XXXX stating I owed a debt. I requested the company to send it in writing. I received a debt letter that stated I owed {$1500.00}. I then sent a certified letter disputing the debt on XXXX. The tracking number was XXXX. I knew I didn't owe the debt because I spoke with the dental office before hand. I communicated to the dental office that I didn't owe the debt because they didn't send in the medical information information as requested by my insurance company. I also communicated to the office about a phantom charge, the dental office is charging me for an extra service that was not billed to my insurance company. I requested XXXX to validate this debt I requested the original creditor information and the proof of the agency 's information to collect on this debt the original account number and proof of the phantom charge. I requested proof of the medical information sent to my insurance provider. XXXX responded back to my letter on XXXX with no proof of verifying that I owe the debt. They sent me a letter stating the dental office didn't charge me a phantom charge they stated they didn't bill a charge to the insurance due to me already paying for a service. I'm not self pay so that is not true you can't bill XXXX thing to the insurance company and something else to me. They also sent a rejection letter that they stated was from my insurance company and it is not. The letter is from a different company in which I have no affiliation to and the group number on the letter is not my group number. Also the letter does not have a date of service or a dental code in which the rejection pertains to the letter is fraudulent due to the wrong information is listed on the document. The document is not even stating anything about the sedation used. I sent out another request to XXXX disputing that validation of debt and requesting again for XXXX to send me proof I owe this debt on XXXX. I also sent my second letter certified XXXX. The letter was delivered on XXXX. XXXX never responded back to me. XXXX filed a summons against me on XXXX. They never validated my debt or responded back to letter. This is a clear violation of the law. XXXX never validated my debt and has reported false fraudulent information to the courts pertaining to a debt that they never proved I owed. XXXX also sent in the same fraudulent letter with the wrong account information listed on there to the courts.CRI never validated the phantom charge or proved I owed this debt in any manner. XXXX also sent another account balance bill to the courts that is totally different from the first bill sent. XXXX never explained the charges or fees as requested.XXXX  sent the court a different account balance bill then what was sent to me. I have to go to court to appeal the summons, XXXX failed to validate my debt or respond to my validation letter that I have proof they received. This is a clear violation and I will take legal action. Nothing has been validated. I am reporting XXXX for reporting false and fraudulent information to the courts and not following debt validation guidelines.
Product: Checking or savings account

On XXXX. XXXX, 2021, I received a check from XXXX XXXX 's service center in the amount of {$100.00} as refund. Their check no. XXXX was written on Comerica Bank. I took the check to the Comerica Bank branch located at XXXX XXXX XXXX XXXX, XXXX, MI XXXX on XX/XX/2021 to cash it. I was asked if I had an account with their bank ; I said " no. '' I was told I would be charged a {$10.00} fee. I was told I could take it to my financial institution for cashing and I replied, " How do you know I have one? '' I was told all banks require this fee, even if the check is written on the institution presented the check for cashing. I asked do I receive a receipt for the fee paid? The teller said no. I agreed to pay the fee and received {$99.00} and asked for a business card. The card received had the following information : XXXX XXXX, Asst. Banking Center Manager, XXXX. 

How is it possibly legal and acceptable for this practice to occur?
Product: Credit reporting

These XXXX XXXX XXXX loan accounts are appearing incorrectly on my report. These XXXX accounts have been completely forgiven, and I have paperwork from XXXX XXXX to document this. They are no longer owed and have been XXXX discharged by XXXX XXXX and should no longer be appearing under my name ( unless it 's to report positively that these have been paid/forgiven/discharged and closed with a positive status ). After several disputes with XXXX XXXX directly, I was able to obtain documentation in writing that these loans had been discharged/forgiven from my name. 

XXXX XXXX had transferred the accounts to multiple departments before they were forgiven, so I had an extremely difficult time getting this information. 

These accounts are reporting incorrectly, and are negatively affecting my score. I have sent in documentation and disputes to Experian a number of times, including the letter from XXXX XXXX directly supporting my complaint- but I have received automated responses and no correction. We are planning to purchase a house in the near future, and this is negatively affecting my ability to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.
Product: Vehicle loan or lease

I XXXX XXXX, Have previously disputed the account with the company by the name of Santander Consumer USA. The account reporting on my credit report from Santander does not belong to me I have reached out to dispute the account from my credit report. However, the account is still reporting on my XXXX and XXXX. It has been removed from my XXXX account. 

I would like these accounts removed from my credit report Expeditiously!
Product: Debt collection

The company is a debt collector. A third party debt collector. I have no contract with this company. They got my financial information without my permission. Identity theft. 
The company is in violation of the FDCPA. I sent an invoice for those violations. The company has not paid the invoice. This issue has not been resolved. I just sent them a NOTICE OF DEFAULT AND OPPORTUNITY TO CURE to pay my invoice.
Product: Payday loan, title loan, personal loan, or advance loan

I wanted to pay my loan and renew it and I asked three times will I be able to get the money I need and the so call manager that was there told me yes. So I paid and renew my loan and there was no money there which I needed as soon as possible and I call back and ask can they just not renew it and just put it as a payment they say yes. So next thing I see they refunded the money back and tell me I'm on the repo list and charged me more than what my payment was suppose to be. They got nasty over the phone and I'm not the one to go back and forth so I hang up. Also when you sign up for a loan instead of the customer seeing how the service work and giving they honest opinion they ask you to go rate them and give them 5 stars. This is my second time dealing with them because I really didn't have a problem in the beginning but now this time they just doing too much with these high payments and don't try to work with you and the interest rates are ridiculous. I can't include dates because I just went on my portal and I see no payment history like what is wrong with this company.
Product: Debt collection

XXXX XXXX XXXX {$1200.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all three Credit Bureaus/Agencies ( XXXX, Equifax, XXXX XXXX and the Creditors ( Bankruptcy Chapter XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. I also contacted the bankruptcy court and it is clear that they do not report to any credit bureau for that matter ; therefore the response verifying the item with the court is an error. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately
Product: Credit reporting or other personal consumer reports

EQUIFAX, TRANSUNION, AND EQUIFAX IS IN VIOLATION OF THE FCRA SECTION 611 ( a ), 611 ( a ) ( 7 ) THIS ACCOUNT MUST BE DELECTED ACCORDING TO THE FCRA SECTION 611 ( a ) ( 1 ). ALL ATTACHMENTS PROVE THE VIOLATION CLEARLY.
Product: Credit card

I have a Chase XXXX card with an original credit limit of {$3000.00} XXXX maxed it out was paying it off got injured and fell behind. I notified chase of the sudden drop in income and asked to be put on a payment arrangement until I could get caught up. On XXXX I had started my payment plan and explain to them I am planning on making a full payment which was {$3000.00} by XXXX, I asked if by me making this payment the account would stay the same with the {$3000.00} credit limit and still open they said yes. XXXX comes and on the XXXX I make a payment in full. Everything is good until XX/XX/XXXX credit limit got decreased to {$700.00} and I tried to correct the issue and I was informed that theres nothing they can do that its because of pass payment history and credit usage. This is unfair because I cant plead my case, I was injured and unable to work I made payment as promised and paid before the planned date. I would love some help as I am worried our credit utilization ration will be affected big time by this.
Product: Debt collection

I was in a XXXX  and had a XXXX and was completely XXXX. This XXXX  accepted my insurance. As soon as I became XXXX  and XXXX, the XXXX  XXXX, staff contacted a third-party XXXX  to bring me to the XXXX XXXX I had no say in this whatsoever as I was XXXX  and or XXXX. 
The amounts charged do not except my insurance and are out of net work : {$1000.00} {$970.00} Soon after I received calls 2 to 3 times a week as well as emails and text messages saying I owed the above amount plus a ton of interest. I tried to explain to them that I did not give consent, and was in no condition to give consent to a third-party out of net work company to bring me anywhere. I tried to explain this to the lady at renton collections , Inc. In XXXX, Washington. She just got very angry and I just said that I wanted the information so that I can file a CFPB complaint, and she immediately said that I was threatening her and hung up on me without giving me all the information I asked for. 
They are contracted by XXXX XXXX  XXXX  in XXXX, Washington. I spoke with them, and they said contact the collections agency even after I explain that this is surprise billing, I have excellent insurance. I was in a medical facility that accepted my insurance, and it was quite a surprise to find out that they used a out of net work company without my knowledge. 

I also contacted my insurance company, XXXX XXXX XXXX XXXX, and they said theres nothing they can do either.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX Account # ending in XXXX, has violated my rights. 

15USC 1681 Section 602 states I have the right to privacy.

15USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15USC1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I paid the requested amount stated on the payment app. However, their app must have had a glitch, and calculated the due payment {$40.00} short. When I received the alert I made a phone call to have them correct the issue. They stated that it was {$40.00} short, I would ruin my credit for {$40.00} and I paid the amount immediately and demanded the late payment be removed my credit report. After several letters and phone calls, they refused.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and found that you are illegally reporting inaccurate and false information about me. The following alleged account is listed as a Collection with a PAST DUE BALANCE OF {$490.00} XXXX, XXXX XXXX, Debit Buyer This is a violation of the FCRA and Is also in violation of requisite METRO 2 Complaint reporting. 
According to the Fair Credit Reporting Act I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, and verifiable. please remove the none occur inter at XXXX XXXX XXXX XXXX XXXX a end. 
well as this account removed. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft due to the XXXX data breach, I feel Im being discriminated against because I have an open lawsuit against them. Because of their negligence my personal information was compromised and used to open several credit card accounts and so on, and Ive tried disputing them and explaining my situation but nothing has been done about it for the last time delete XXXX off my credit report so I can move on with my life
Product: Debt collection

My Identity was used to rent an apartment in TX. I have owned my home in XXXX NM for 10 years. As a result XX/XX/year> a collection reported on my credit report from Procollect , Inc for {$2900.00} from an apartment I found to be in TX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never lived here, this is fraud and I tried to contact the ProCollect since XX/XX/year> to resolve and requested " validation of debt '' they were no help and called me a liar, suggested they never received my email with Police Report information. I also sent all correspondence certified mail for the fraudulently opened account and they did nothing about it. I have spoke to several different " account managers '' from ProCollect and they are extremely rude and refuse to provide validation of debt, instead they are calling me a liar and requesting I send the Police report for a 4th time now. I have no problem paying my debts but I refuse to pay for an account that is not mine. They even said XXXX was the primary on the account. I did not give permission to XXXX or anyone for that matter to use my identity. I have never had any collection accounts on my credit file in my 75 years of life. And now I am unable to obtain credit to support my family, do to the fraud. I have also filed an ID Theft report with the FTC, a complaint with TX Attorney General. Almost a year of trying to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I entered into a 12 month covid relief plan over phone with XXXX in which I would not be responsible for making payments per federal policy. When I checked my credit in XXXX of XXXX in preparation of restarting payments my credit had dropped significantly as 12 missed payments had been placed on all three credit bureaus. I had been traveling as a XXXX XXXX XXXX fighting XXXX  and had not been home in months. I contacted XXXX and they made everything current but refused to remove the late payments from my credit. The representative instructed me to dispute it with the individual bureau which I proceeded to do. Each time my dispute came back that XXXX insisted my payments were late. This is predatory and life ruining and preventing me from purchasing a home.
Product: Debt collection

In accordance with the guidelines established by the Fair Credit Reporting Act ( FCRA ), a vital legal framework designed to protect the rights of American consumers pertaining to credit bureaus, I hereby initiate a formal dispute regarding the following account : Account Details : Account Name : XXXXXXXX XXXX  Account Number : XXXX Original Creditor : - Company Sold : - Date of Account Opening XXXX XXXX XXXX XXXX Open/Closed Status : Open Status Update : XXXX XXXX Account Type : Installment Status : Pays Account as Agreed Balance : {$480.00} Balance Update : XX/XX/ Original Balance : {$520.00} Paid Off : 7 % Monthly Payment : {$25.00} Past Due Amount : - Terms : 24 Months Responsibility : Individual Account It has come to my attention that the reported account status, specifically the " Pays Account as Agreed '' designation, does not accurately correspond with the original balance and payments made. Furthermore, the " Paid Off '' percentage appears to be inconsistent with the reported balance and payments. 

I would like to remind XXXX of the provisions outlined under the FCRA, specifically : 15 U.S.C 1681 Section 602 A : This section emphasizes my right to privacy and underscores the importance of accurate credit reporting. 
15 U.S.C 1681 Section 604 A Section 2 : This clause emphasizes that a consumer reporting agency can not furnish an account without obtaining my written instructions. 
15 U.S.C 1692C : This section highlights that a debt collector is prohibited from communicating with a consumer in connection with debt collection without my prior consent or the express permission of a court of competent jurisdiction. 
In light of the aforementioned laws and the inconsistencies in the reporting of this account, I am requesting an immediate resolution to this matter. I kindly request that XXXX takes the necessary steps to rectify the inaccuracies in the account 's reporting and ensures that my right to privacy is upheld. 

Furthermore, I want to assert my right to end all communication tactics related to this account. I expect that no further communication attempts will be made by any parties involved, including debt collectors. 

Your prompt attention to and resolution of this matter are greatly appreciated. I anticipate your diligent efforts in addressing this dispute and ensuring accurate and equitable credit reporting. Thank you for your cooperation and adherence to the principles outlined in the FCRA.
Product: Vehicle loan or lease

XX/XX/2021 I paid off my loan with Capital one auto financing and have not received my title to my car despite numerous phone calls to the company I have gotten nowhere with them Im asking for help in retrieving the title to my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS continues to report inaccurate information on my credit report. I have attached documents showing that they stated that they have verified an inaccurate reporting of bankruptcy. I have requested their method of verification according to Fair Credit Reporting Act 611 ( a ) ( 6 ) and ( 7 ) from the original furnisher and Lexis Nexis responded in writing that they contacted US Bankruptcy court in XXXX MS . This is invalid and inaccurate information and I have attached the letter from the US bankruptcy court as evidence that they do not supply any information to any of the credit bureaus. Lexis Nexis has refused to supply me with the name, address, telephone number of anyone from the US bankruptcy court in XXXX MS that they contacted.