23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving letters from this collecting agency. I did called this agency and told me that I owe XXXXXXXX XXXX XXXXXXXX XXXX {$510.00} for bringing my daughter to the emergency room in a hospital in Texas in XX/XX/2019. She did not repeat the name of the hospital and did not specify the city the hospital is located. I told her that I have not been in Texas during this dates and I dont have a daughter with this name and I have not been to any emergency room. She told me to write a letter of dispute about this matter. I think she is just collecting more information about me.
Product: Credit reporting or other personal consumer reports

i informed bull city financial that they are not licenced or bonded to collect a debt in ny state in which bull city financial reponded " Bull City Financial Solutions has conducted research. Validation of the debt from the original creditor has been sent to the consumer at the address Bull City Financial Solutions has on file. The consumer is mistaken and NY state does not require a license. They do require a XXXX XXXX XXXX. Our COA # is XXXX since XX/XX/year>. Our Help Desk is available to assist consumers and XXXX be reached directly via telephone at XXXX. ". 

UPON MY RESEARCH I FOUND OUT THAT BULL CITY IS REQUIRED TO HAVE A LICENSE to collect a debt ffrom a consumer that resides in NEW YORK STATE According to the New York State Department of State 's Division of Licensing Services, a debt collector from North Carolina ( or any other state ) must obtain a Certificate of Authority from New York State before attempting to collect a debt from a consumer who resides in New York State. 

New York State General Business Law Section 601 requires that all debt collectors, including out-of-state collectors, register with the state and obtain a Certificate of Authority before engaging in debt collection activities with New York consumers.

If a debt collector from North Carolina tries to collect a debt from a New York State resident without obtaining the required Certificate of Authority, they may be in violation of New York State law. This could result in penalties, fines, and legal action.

The New York State General Business Law Section 601, Prohibited Practices, is located in Article 29-H, Debt Collection Procedures, of the New York General Business Law . It outlines the prohibited practices for debt collectors in New York, including simulating a law enforcement officer, attempting to collect unauthorized fees, disclosing false credit information, and harassingdebtors.
Product: Vehicle loan or lease

I made a serious mistake by entering into a lease agreement with XXXX XXXX in XXXX NC. XXXX XXXX XXXX. At the time I went to just look around, my XXXX lease was expiring. I defiantly was pressured into this vichle. I am XXXX and the simply wore me out. The went so far as to drive me back to my home with a salesmen to pick up my puppy, so I wouldn't leave and not come back. The said they did not want anything to happen to the XXXX XXXX I was turning in. I was looking for a payment of about 260 . I finally got out about XXXX XXXX that night, with the car. When they sent me to the financial man he gave me all these papers in small print to read. I stupidly trusted him. There motto is Our customers are always for life. Now I know why. They failed to tell me I would get a bill from XXXX for XXXX because I did not buy from them, plus I was billed for some damages on the XXXX. They did not want me to go with the salesmen as I was supposed to do., to get the pay off. The knew I was going to be billed and that would have stopped me from leasing the XXXX. Instead they turned in themselves and a few days later I received a XXXX $ bill from XXXX. Within two days I receive a bill for over 350.00 + . From Hyundai. When I returned to ask about this they never told me I would have that bill as soon as I left wth the car. In addition to that I find the finance man put two warranties on the car. One for maintenance and one for one for Master tech, whatever that is. I was unaware of that. After much haggling they removed the warrantees and gave me a credit. To make matters worse my daughters company closed and she was without a job. She still does not have a job and now has XXXX and it will be 6 weeks before she can even think about it. She has moved out so I have no help from her. Now the payment was impossible. I am behind and they Want to reclaim the car. I will never catch up. I have pleaded with them as I live on SS. It's a constant battle. I returned to the dealership and asked for help. I tried to turn it in and get an older car from them. No never. They want me to lose the car so they can repo it and then sell it cheap and I would be paying for a car I don't have. I am desperate and have no where to turn to. This's lease is now almost one year old so I have two more years of torture unless I die first. I guess I would be out of the lease.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown inquiry was made as detailed below. In addition, my children and I received phone calls from unknown numbers/scammers trying to get my personal information. 

XXXX XXXX  XXXX XXXX recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about 2 years. 
Source : Experian Company : XXXX XXXX  XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXredit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Debt collection

On  XXXX - XXXX -2017 I asked Hyundai Via their website portal to stop communicating by phone as their calls were so frequent as they became harassing and annoying.
On  XXXX - XXXX -2017 a payment for {$450.00} was mailed out via EXPRESS mail with Saturday delivery before noon to their overnight mailing address.
On  XXXX - XXXX -2017 Hyundai called again, but this time was early in the morning on Saturday morning.
This is a violation of the fair debt collections practices act.
PLEASE CONSIDER THIS MY NOTICE OF INTENT TO FILE A SMALL CLAIMS LAWSUIT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To : Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. Please remove Inaccurate from all three Credit Reporting company. 

{ Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX CARDS XXXX Bank XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Reporters XX/XX/XXXX Experian XXXX Personal Loan Companies XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). You must complete this this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. I also request that you please send notices of the corrections to anyone who received my credit report in the past six months.

Thank you for your time and helping this matter.

Sincerely
Product: Credit card

I had an account with Lowe 's but it was at least 8 years ago. Lowes is reporting on my credit reports and they have reaged this account.
Product: Credit card or prepaid card

I Applied for a frontier airlines world master card with a promotional offer of XXXX miles awarded after spending {$1000.00} within the first 90 days. I have met this requirement and contacted Barclays and Frontier several times to get these miles awarded to no avail. This is deceptive practice to get people to sign up for the Barclays/Frontier World Master Card.
Product: Money transfer, virtual currency, or money service

I transferred crypto from one platform to Binance.US to use their trading features. Went through ID verification. My application is stuck in " oending '' for weeks with no response from their support. Multiple tickets filed. " Live Chat '' is all automated. There is no support. They are holding my money hostage and will not let me withdraw or buy crypto to transfer. I was able to save some losses by transferring what I had left in cyrpto currency back to XXXX  but only through the browser. The phone application will not allow you to do it. The crypto coins I sold to cash out is still stuck. I am not able to add a bank account when verification is pending.
Product: Credit card

I purchased a set of luggage from an XXXX vendor. I only received one bag instead of the set I ordered. The luggage company says their policy is pay for return shipping when they make a mistake. However they responded saying I had to pay for the return shipping along with an additional fee. I had used my debit card to make the purchase so I began the process of reversing the charges. I explained the entire situation to my Huntington Bank representative and in the end they denied my claim. Now I own single piece of luggage that sells for {$99.00} for which I have a paid {$230.00}.
Product: Credit card or prepaid card

I have five Blue Serve cards with American Express Serve. These cards have the option to load funds from a debit card or credit card on their website. I have previously used the option to fund via credit card without a problem, but I ran into issues when I linked my debit card to load funds. 

Earlier this month ( XXXX ) I received an e-mail that a scheduled load to one of my Serve cards was unsuccessful. I then discovered that I was unable to sign on to the Serve website for any of my five cards. It told me my password was incorrect, but I was certain that I was entering the right password. Attempting to reset my password online was unsuccessful - I kept getting strange error messages about the session timing out or " something went wrong, try again. '' I called a few days later and was told that the issue was not with my password, but that my accounts were all locked because they needed to verify my new debit card belonged to me, even though I had gone through the online verification process when I added the debit card. The rep stated that they needed to conference in my credit union to verify my information. After doing that, I was told all of my accounts were now unlocked. However, after getting off the phone, I found that only two of my five accounts had actually been unlocked. 

I called back the next day ( XX/XX/XXXX ) and the rep was able to unlock the other three accounts. However, when I attempted to load to one of my Serve cards from my debit card the next day ( XX/XX/XXXX ) I received an error message, and then found that all five of  my Serve accounts were locked out again. I called the following day ( XX/XX/XXXX ) and the rep was able to unlock my accounts again, but as soon as I tried to load from my debit card, they were all locked out again. 

As of today ( XX/XX/XXXX ), they are still locked - I don't have the time or patience to spend any more time on the phone to resolve this.
Product: Checking or savings account

An account was opened at Discover under my name fraudulently. All 3 credit bureaus are locked as well. Not sure how this could have happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX XXXX ( Acc Number:XXXX ) XXXX - XXXX XXXX ( Acc Number : XXXX ) XXXX XXXX XXXX -XX/XX/XXXX Transunion - XXXX XXXX -XX/XX/XXXX I have contacted the credit bureaus to let them know that I am a victim of identity theft and that someone has been using my personal information without my consent. I have placed a fraud alert on my credit report and asked that the fraud items be removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Equifax and XXXX due to unfair practices as it relates to the furnishing of inaccurate consumer reporting information on my credit report in XXXX, XXXX, XXXX and XXXX. XXXX XXXX removed this account from my credit report and then re-added this same account several times over the course of the last 4 years which is a violation of the Fair Credit Reporting Act ( FCRA ), its implementing regulation, Regulation V, and the Consumer Financial Protection Act of 2010 ( CFPA ). I did not obtain a new loan in XXXX with XXXX XXXX XXXX XXXX and I do not know if this means that the loan was sold as no information was provided to me regarding this nor did I give consent to have my personal information sold to a 3rd party. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

American Express XXXX includes XXXX XXXX. This allows lounge access and is one of the main selling points of this expensive charge card. The only way to enroll in XXXX XXXX is by calling American Express. However American Express customer service consistently has wait times over 30 minutes throughout the work week. Requesting call backs does not work, as i never got called back on separate occasions. It feels as if American Express is gatekeeping one of the main advertised selling points of the product i purchased. How can I receive my purchase without having to go through unreasonable steps to do so?
Product: Money transfer, virtual currency, or money service

-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I never received a code to my phone, now I know because my phone number was ported ) -Soon after, I noticed my password to my Coinbase account was changed ; I could no longer access my account with my personal password, and I still have not been able to get into my account for 6 days. I have contacted support with Coinbase and there has still been no resolution for getting into my account ; I have correspondence stating that the account was locked and sign-in disabled. I'm not sure if I intercepted quickly enough to avoid any transfers because I have not been able to access the account. 
-I went back to my email to check the message regarding account access using a code sent to my phone number and the email was gone and the trash was empty. Luckily, I made a screenshot. 
XX/XX/2021 -I notice an unauthorized transfer from my XXXX XXXX account to my Coinbase account ; I contact XXXX XXXX XXXX to stop payment and stop any withdrawals from the account until further notice I was able to change passwords and recover the number. Then on XX/XX/2021 -I noticed my phone had no service, I restarted the phone, then received a message from my carrier congratulating me on a new phone. 
-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I did not receive notification or request a code ; at this point, I knew the same thing was happening ) -I checked my account activity, but I see no other devices outside of my device which I was currently using to access my account. ( but that is not the case, I have the email from XXXX stating that my account was accessed from a different device ) -This time, I was able to see the mail in the trash folder which were all from my cryptocurrency accounts ( XXXX  and Coinbse ) For password resets and new device log-ins I have now been in contact with Coinbase support for approximately 5 weeks with no resolution. It is past time for resolution. 

I have supporting documents for all of the aforementioned incidents. The documentation the number port evidence ( where it all began ) is probably the most important piece of evidence in this case. Please see the attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax credit reporting bureau on several occasions regarding disputes concerning inquiries that were fraudulent or placed in error. I also contacted them regarding a collection account that was never verified after numerous attempts, in which they failed to remove. The collection which is listed under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I have reached out to this bureau several times regarding this matter. I also sent them a certified letter by mail requesting proof of this debt in XXXX of this year and have never heard anything back from them. I 've filed several disputes with Equifax and to no avail, they all come back within 2 days confirming validity. I also disputed the inquiry with XXXX XXXX, XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which is my credit union. I contacted all of these companies by phone to dispute this error and they all told me to dispute it with the bureau and they would remove these erroneous transactions which I never authorized but they always come back verified. I spoke with my bank on the XXXX/XXXX/XXXX to inquire about a inquiry and they also told me it was place in error they would be happy to remove it but they were never contacted by Equifax. Equifax is ruining my credit by not properly investigating my complaint. When I contacted Equifax to verify the method they used to validate these accounts, the representative told me they do not know what method was used. It is my right to know how the debt was validated but according to them I do not know. Equifax is not a reputable company and in their quest to profit, they are allowing these erroneous inquiries to remain on my report to benefit them. This is an unfair and unlawful practice that I will not stand for.
Product: Student loan

I get 3-7 calls a day at all hours. I 've been woken up in the middle of the night, interrupted while with family, etc.
I asked them to stop and it seems like they have increased frequency instead.
Product: Student loan

Returned for my XXXX at age XXXX and had to borrow money to attend and living expenses. Had around $ 55K in loans when I began XXXX  in XXXX. Got {$17000.00} forgiven after 5 years XXXX XXXX in XXXX XXXX system. At one time the monthly payment was {$680.00} per month. Renegotiated with Navient a payment of around {$300.00} per month since XXXX and been paying on this loan for 12 years ( to other lenders ). Somehow the payment has increased over the past 4 years from {$290.00} to {$310.00}? Still owe over $ 15K and have been denied any Public Service Loan forgiveness twice in the past year. At the current rate and payment of $ XXXX/mo, I still have nearly 5 years of payments. HELP ME PLEASE! I have paid the balance of the original loan and thousands in interest over the years. I should qualify for some type of forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX 2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 XXXX a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

In 2014 I had a car accident in which I ended up in the hospital and incurred medical bills that were wrongly sent to the collection agency because the bills were not sent to my insurance company on time. Upon finding this out I contacted my insurance company and they paid the bills in full. I then contacted the collections agency stating that the bills had been paid in full and they should remove the collections accounts from my credit reports because it was negatively hurting me. They are very hard to contact and the representative is very rude and hangs up on me every time I try and resolve the issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a CHASE BANK on XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, she is an employee accessed my s.s.n at CHASE bank records to open 3 Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$770.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$690.00} ) XXXX XXXX XXXX XXXX XXXX XXXX ( {$1700.00} ) She used her XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX Address, where the cards were delivered to.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last year and a half I have been trying to life a security freeze on my credit file. Repeated interactions with Equifax have been unsuccessful, but they have made it plain that if I PAY them to take the freeze off, they will find a way to do it. Most recently, XXXX XXXX, 2017, I called to find out what hoops they wanted me to jump through on THIS attempt. They had me confirm a lot of information, including a credit card account -- the company name and credit limit -- and the name of the company handling my car loan. I did. Then they tell me they can lift the freeze and will send notification to my address -- an old address, which they say I have to send documentation to them through fax or snail mail. This despite the fact that the address for the companies they required me to confirm I have accounts with all have my current address. <P/>Last year I tried to get the freeze lifted, and they repeatedly rejected all the paperwork I sent them, insisting each time they needed something different. AND all of that was at an address different from the one they say they have for me. There was more than enough information in those packages to update the address, yet they did not do it. <P/>I placed freezes on all credit account YEARS ago, and both other major bureaus lifted the freezes LONG ago. <P/>I can not understand why this company is insisting on ONLY accepting from individuals that information that is send by snail mail even when the information fed to them by creditors is not send by snail mail, and why if they are going to collect credit information, they can not request current address information as well!!!! <P/>This is an example of a large credit bureau routinely XXXX  the consumer!!!