23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debit is medical, at the time of the procedure I provided the XXXX  authorization for the procedure at the hospital, all other bills were run through the XXXX  but " XXXX XXXX '' who flat out refuse to bill the XXXX  despite multiple contacts from myself AND the XXXX  explaining that all they have to do is BILL the XXXX  with the provided information. The first contact was much earlier but I talked to the biller ( Radiology Consultants ) around XXXX about the incorrect billing situation, and they claimed they would fix the error. In XXXX I began receiving calls from Clear Recovery 2-3x a week and they refused to send me anything in writing on how they received the debt and there was no notice from the biller that the debt was not paid when billed. Upon consulting the XXXX  on XX/XX/XXXX it was discovered the biller had yet to bill the XXXX  with the information provided. They sent the debt into collections without billing properly. Myself and the XXXX  billing department called Clear Recovery and provided them information to bill CORRECTLY. They were also told at the time the XXXX  is responsible for the bill and to stop calling me IMMEDIATELY. I also told clear recovery this in my earlier in the day phone call with them. The XXXX spoke to a XXXX who said the it would be billed correctly right away. On XX/XX/XXXX the XXXX  tried to follow up with Clear recovery, but there was no answer. 

Starting in XX/XX/XXXX Clear Recovery started calling me again, and again I told them I had no outstanding balances, and they would need to mail me anything regarding any debts owed as only USPS mail ( not over the pone due to scams ) would prove a debt. They refused and said they had sent me something. They called from multiple numbers several times a day leaving voice mails. 

On about XX/XX/XXXX I revived a " statement '' from Clear Recovery and sure enough it is the SAME bill that both the VA and I have called on and told them the VA has not been billed and I can not /will not be paying it as I am not the responsible party. The VA again called them, and the biller, and provided the correct billing information XXXX at XXXX XXXX said they would run the information to get the bill paid, however a this time, it still has not been run. 

This company will not stop harassing me for a company that refuses to bill the responsible party, even when the other hospital resources have been paid. 

( All phone calls are recorded by me as Nebraska  is a single party consent state and requires no permission, and can be provided on request, some lasted hours and can not be uploaded )
Product: Bank account or service

CapitalOne froze my account for potential fraudulent activity. After sending the requested documentation they still insist on not resolving my issue. If the end result is to close the account and terminate the relationship then let 's do that but to have our funds frozen and prevent us from operating is not right.
Product: Mortgage

To whom it may concern, I lost my husband recently. My husband bought this home for me and now i am losing it in foreclosure. I am a widow and i am XXXX and the bank is taking advantage of me. I am trying to do a short sale on my home so I can move on from this nightmare. The problem is the short sale packet the lender emailed was not readable. I requested for the short sale packet to be resend but the lender is giving me the runaround. I have been on the phone with them numerous times and usually placed on very very long holds. All I want them to do is resend me a short sale packet so I can sell my house before the sale date which is on XX/XX/XXXX. Please help me because they are not emailing me another short sale packet which could result in my house going into foreclosure on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Seeing multiple unauthorized credit inquiries from your company on my report was infuriating. This is a direct violation of my rights and has caused significant harm to my credit and my peace of mind.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 ( a ) ( 4 ) I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes with Experian in regards to information on my credit report in regards to student loan information being reported wrong and outdated from 10 to 11 years old. I complained about a student loan from the US DOE ( department of education ) in the XXXX XXXX being too old and the wrong information but they came back with it was verified and the same time I was trying to get an address deleted XXXX XXXX XXXX   XXXX XXXX, In. And they said I had to contact the DOE XXXX XXXX and give them my address. I contacted the XXXX XXXX DOE servicer and was advised that there was no loan information in their system ( see attached information from them ) for a loan so it cant be verified. That means Experian lied about verification! They did have my correct address though so Experian lied about that as well. They are suppose to be 100 % accurate on reporting and they are not and they refuse to listen to the consumer at all! So I realize its not what you know but what you can prove I am attaching that proof today for you because they dont care about the proof or whats right. I also attached were the same information is being reported and its different with another credit reporting agency.
Product: Debt collection

I paid an outstanding invoice on XX/XX/year> and I have a reference number from ARStrat for the payment. I also have confirmation from my bank that the debt was paid. ARStrat is now telling me that the debt is unpaid and that they will continue to try to collect on it. I feel as though ARStrat is looking for me to pay this invoice twice so that they can pocket the money.
Product: Mortgage

Changed home owners insurance companies for a better rate and was unaware I had to have wind insurance. When the bank asked for proof of insurance I sent in the proof and received a letter saying all was good I would not be charged for any insurance the mortgage company had gotten.. Then some time later I got a letter that said I had to have wind insurance. I contacted the insurance company to add the coverage from the beginning which was past already and they told me I could not change the policy I would have to cancel the present insurance and reapply with the wind which I did. I sent that to Wells Fargo and then got a letter saying I owed them {$210.00} or provide wind insurance coverage for the past time. I could not do it because the company would not let me and it was months after when they notified me. I never received insurance from Wells Fargo until I requested a copy of it which showed they obtained it in XX/XX/XXXX..I had already received a letter it was all good. I called multiple times over the weeks that it was one way one time and another. I explained to each and everyone what had happened. I got the same form letters until in XX/XX/XXXX I spoke to three different people who told me I would not be charged for it and of course they were all phone calls as that is the only way they do business by verifying who you are all required me to call them not any of it is documented on anything I have. I did get their names which I have included in the paperwork. I was going to put in a CFPB complaint months ago but they had told me it was taken care of. I have given them every opportunity to fix it and the right hand doesn't know what the left hand is doing and I get a different story every time. My present insurance charges around {$300.00} for a year for wind insurance and they charged {$210.00} for one month. The last representative XX/XX/XXXX told me they charge a lot because they have no idea of the property. That is totally untrue because they have every information about my property. If it had been reasonable I would have let them rip me off but this is ridiculous. I bet they make a fortune off people who won't take the time to fight it. I know I have spend much time on the phone and impatient with one person saying one thing and another totally saying the opposite is definitely frustrating. Please do not let these people rip me off.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' America First Credit Union is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' America First Credit Union, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, America First Credit Union whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' America First Credit Union never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

Ive never applied to live at XXXX XXXX apartment. Ive attempted on numerous occasions to relay this to them but I keep being told my the office manager they she can not locate my file and to contact the collection agency XXXX. Ive submitted a request to XXXX telling them that this account isnt mine but they dont listen and keep asking me when Im going to pay!
Product: Credit reporting, credit repair services, or other personal consumer reports

First, XXXX is correct. 

XXXX and Equifax are not and I have contacted XXXX, Equifax and XXXX XXXX to correct the information without success. 

XXXX XXXX XXXX had a business credit card with XXXX XXXX that was guaranteed by me. 

The business closed. 
Both XXXX and Equifax show the XXXX XXXX XXXX credit card as my having primary responsibility when, in fact, the business had primary responsibility for the credit card and I was the guarantor. 

The business closed end of XXXX. XXXX XXXX closed the business credit card account and wrote it off of their books XX/XX/XXXX. 

I made 6 months of agreed upon payments for the period XX/XX/XXXX through and including XX/XX/XXXX. 

Their collections company contacted me XX/XX/XXXX. I contacted the collections company XX/XX/XXXX and have not received a response. 

In addition, when I tried to log onto XXXX XXXX to see current credit card balance for my XXXX Lender, I was unable to do because per XXXX  XXXX, the account does not exist. 

My credit score is continuing to be dinged because it states : 1. I had primary responsibility to pay the credit card account instead of stating the business 2.States I had no payments XXXX XXXX XX/XX/XXXX. My pmt agreement was made with XXXX XXXX and I was advised at the time that my XXXX XXXX had already written off the business credit card account. 
3. Continues to state I am behind on payment and not making any payments even though the account was written off of XXXX XXXX and no longer exists. 

Once the account was written off by XXXX XXXX it should have been removed from both XXXX  and Equifax as a current account so that I am not continuing to be dinged for this account that no longer exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

For three days I have been trying to get connected to XXXX to place a credit freeze. Their web site for this specific action does not load and their telephone numbers provided on the web sites go to automative systems that go dead when you get to freeze options. Tried to get to an operator by finding a brick and mother location and phone number. This just results in them sending be to a special services line ... .where I have been on hold yesterday for 1.5 hours ; and today I gave up after 20 minutes.
This feels like they want to prevent folks from putting on credit freezes. Note I have had no trouble with XXXX or XXXX. If it is not a strategy, then I question their business model and ability to effectively manage information on me ( for which I have had no choice ). Now I will write my congresswoman and senators.
Product: Debt collection

at XXXX XXXX EST on XX/XX/XXXX, I received a phone call on my XXXX that said it was from my stepmother XXXX. When I picked up the phone, it was a debt collector who called herself XXXX. When I insisted she tell me how she got my stepmother 's phone number, she refused to answer me and kept talking about a debt I supposedly owe. I asked her twice. She also refused to identify what debt collection she was calling from, then promptly hung up on me. 

" XXXX '' also left a voice message for me on my stepmother 's phone. XXXX claimed to be leaving a message in regard to wanting authorization to do glass work on my XXXX XXXX XXXX - something I have not asked for. XXXX completely lied. 

XXXX 's phone number is XXXX. She works for : Recovery One XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Toll Free : XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> : I was informed via credit monitoring via XXXX that an account from Synchrony/Chevron was being reported to XXXX that was showing as over the limit. I created an XXXX account and reviewed the reported line and verified it was indeed appearing on my report and showing over the credit limit. I do not have an account of that type and I am not an authorized user on any account of that type. 

I started a dispute with XXXX for the incorrect line. 

XX/XX/year> : Contacted Synchrony/Chevron and they were able to confirm the existence of the account, but that I have not been affiliated as an authorized user " in years ''. They are unwilling to take any action to remediate the error.
Product: Debt collection

keep receiving mail fro, attorney office re debt from at least 9 or 10 yrs ago original debtor was Credit acceptance corp for a XXXX XXXX XXXX that was repo and sold at auction. The creditor filed a claim in XXXX county civil court and my salary was garnished. I went to court and had the interest vacated and the account was settled and removed from my credit report per the decision of the judge. This took place in XXXX when i started working for XXXX XXXX. i have repeatedly faxed the law office my response and the get more letters saying i have 30 days to respond.
Product: Debt collection

Back in 2020 I contacted Fredkin and Weber located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Maryland XXXX to arrange a payment plan but unfortunately I didn't get the job and my income was SSI for my disability I owed a little over XXXX now due to interest it's over XXXX I believe that they are adding on outrageous interest to the original judgement amount which is unethical I wasn't able to come to court due to minor being sick and being a single mom I asked for a postponement yet it wasn't it's been a living nightmare dealing with them they've been sued in the past for unethical conduct as well.
Product: Debt collection

XXXX said the if I retired equipment I wouldnt owe anything I even recorded having they telling me that they would remove off my credit. I did everything as agree and they didnt hold there end of the agreement up.amount {$890.00}
Product: Credit reporting or other personal consumer reports

I am filing this complaint to CLARITY SERVICES INC . This company continually report the account as delinquent even if I have stated already that this account was under the Covid-19 forbearance. They totally violated two CARES Act : 1. ) XXXX marked the late illegally for the months of XX/XX/year> and XX/XX/year> while they were in the middle of a loan modification and 2. ) demanding a lump sump the missed Covid forbearance payments the immediate month following the end of the forebearance. You have acknowledged that your received the payment last XX/XX/year> amounting to {$4800.00}
Product: Credit card or prepaid card

I can't access my Bank of America account online. I have called them several times and I was on the phone waiting for them for over XXXX and XXXX. Just for them to say they can't do anything. THey just said they would escalate the problem but would not give me any number or trouble ticket for this problem, nor give me a time line when it will be fixed. This is unexpectable customer service. I need access to my account records to do my taxes and they are unconcerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS COMPLAINT IS SIMPLY IN REGARDS TO A FAIR CREDIT REORTING ACT VIOLATON DUE TO CONTINUES REPORTING OF INACCURATE INFORMATION FROM EXPERIAN INVOLVING TWO DIFFERENT ACCOUNTS. THESE ACCOUNTS NEVER BELONGED TO ME IN THE FIRST PLACE BUT EXPERIAN HAS REFUSED TO HONOR ANY OF DISPUTES FROM THE PREVIOUS MONTHS. NOW AFTER CAREFUL RESEARCH I'VE NOTICE AN ACCOUNT LISTED UNDER XXXX has inaccurate or wrong payment history listed for the month of XX/XX/XXXX which has the account being 60 days late for two consecutive months being the months of XXXX and XXXX which we all know after we learned count at the ages of 4 and 5 that it is totally IMPOSSIBLE FOR 60 DAYS TO COME AFTER A 90 DAY PERIOD. THIS CLEARLY IS INACCURATE, A VIOLATION OF THE FCRA, AND IMMEDIATE GROUNDS FOR REMOVAL. I WILL  INCLUDE A COPY OF THE SCREEN SHOT WITH THIS COMPLAINT TO SUPPORT MY CLAIM. ALSO ANOTHER ACCOUNT BY THE NAME OF XXXX XXXX XXXX HAS AN OPEN DATE OF XX/XX/XXXX WHICH DOES NOT REFLECT THE ORIGINAL OPEN DATE OF THE ORIGINAL LOAN AND ALSO IS INACCURATE, ANOTHER VIOLATION OF THE FAIR CREDIT REPORTING ACT, AND GROUNDS FOR IMMEDIATE REMOVAL FROM MY CREDIT REPORT. I EXPECT EXPERIAN TO ADHERE TO THE FCRA AND TAKE THE APPROPIATE ACTION TO RESOLVE THIS MATTER. FALSELY ACCUSING ME OF USING ANY TYPE OF CREDIT REPAIR SERVICE IS NOT A RESOLUTION TO THIS ISSUE.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit R Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( XXXX ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A Credit Card account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ) an XXXX XXXXXXXX XXXX opened on XX/XX/XXXX Account number ( XXXX ) an XXXX on XX/XX/XXXX Account number ( XXXX ) An Collection Opened at XXXX on XX/XX/XXXX Account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.