23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX is reporting the same debt with XXXX collection agencies on my credit report which is against the law ( FCRA ). They are reporting it with a company called XXXX IN, account number XXXX and Franklin Collection Services, account number XXXX. XXXX XXXX XXXX is trying to collect a debt in which I do not owe. I contacted the company explaining to them that they are charging me for 2 months of service when I had the service less than a month. I went to XXXX XXXX XXXX because they were one of the service providers that offered the discount for lifeline. The XXXX XXXX XXXX rep indicated that they can offer be a better service and did not provide my lifeline discount which was the reason I went to the company for lower rates which it did not pan out to be that way. I obtained the service with XXXX XXXX XXXX on XX/XX/XXXX or XX/XX/XXXX because I called in because the equipment had not arrived and I am sure they can check there records of that. I switched my service back to XXXX on XX/XX/XXXX which was less than a month of service. XXXX made an error and assigned me at new phone number which was XXXX. But, when I went back to XXXX they were supposed to port my original phone number that I had with XXXX then XXXX XXXX XXXX but they did not. I tried to explain to XXXX XXXX XXXX as the party I spoke to said that you had to use our services because you had to have the phone for the internet. I tried to explain, that they XXXX had already gave a new phone number so therefore all my services were active with XXXX and when I discovered they had not ported my old number like they were suppose too, they ported it in. But I asked for someone in management to explain I was not using their service from the date of XX/XX/2016, was told someone would contact me, never heard anything and now I discover they have the debt on my credit reports with the XXXX collection agencies which is against FCRA and are suppose to be deleted by law. I have had XXXX in the past and always paid my bill and never had a negative circumstance and extremely upset they would result to this unfairly,
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the dates. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -TO YOUR COMPNAY ( I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING Inaccuracies in the payment history. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE CORRECTED AND UPDATED TO PAID ON TIME, PAID AS AGREED, NEVER LATE IMMEDIATELY. AFTER THIS INVESTIGATION, UPDATE THE DATES IN THE PAYMENT HISTORY FOR THESE ACCOUNTS ON MY CONSUMER REPORT : ( XXXX XXXX ) ( XXXX XXXX )
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they
did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Debt collection

On XX/XX/2023 XXXX XXXX contacted me at my place of employment demanding that I pay an alleged debt. I did not give XXXX XXXX my work number. I called them back later on that day of XX/XX/2023 and told them that my employer forbids these kind of calls and to please cease and desist all calls and communication with me immediately. I am still receiving calls and emails from this company. This company is still calling my place of employment harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered that there are addresses on file that is not affiliated with me. On XX/XX/2023, I sent a letter to the three credit bureaus regarding addresses showing on my credit report that aren't mine. Unfortunately, I have not received any response from the credit bureaus so far. According to th

e 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permis
sible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately.

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a IRS lien in the public record in  XXXX   XXXX , FL that has been resubmitted by the IRS with new totals and dates and Equifax refuses to update/remove this from my credit file .  XXXX    and  XXXX  have corrected the errors and have updated the IRS information ; but Equifax steadfastly refuses to update or remove this inaccurate information.I recently lost the opportunity to lease an apartment due to this inaccurate lien reporting on my Equifax report.  Equifax  is relying solely on a third party they use. (  XXXX  )
Product: Debt collection

XX/XX/year> XXXX XXXX- missed call from number XXXX XXXX am- called back, as I received a voicemail. no answer XXXXXXXX XXXX VERY BAD connection, told about a medical bill of {$120.00}. Debt collector requested that I pay today. ended call from no connection XXXX XXXX- called back again. debt collector requested my card information over the phone. I refused because this felt like a scam, and she asked again. Then, she said " i can turn off the recording for you '', but I held my ground and said I am not sharing my card info over the phone. I then asked for the website to pay it online so I wouldn't share info over the phone. ended from no connection. 
XXXX tried to call back. 
XXXX called again, continuing to refuse sharing my card details over the phone. I began asking if she worked for XXXX and other verifications. She answered yes. I asked her to please send over written documentation of the debt. She stated " I sent it to your email, let me know when you receive it ''. I asked her what email she sent it to, and she responded ( my school XXXX ). I NEVER received an email. She asked me thirty seconds after " did you receive it '' and I said no I haven't been able to check yet. She then told me the website to go on, directed me to " make a payment in the right corner '' and so I asked for a reference number. She told me the reference number : XXXX. ended call from no connection XXXX she called me. I kept questioning about if i was XXXX to pay the debt today ( like asked me " can you pay today '' XXXX minutes ago ) and kept asking her to confirm that she previously told me to pay it today. She refused to answer, and hung up on me. 

*She knew my medical history AND school email address so I am very scared
Product: Checking or savings account

I received my Social Security payments through a Direct Express card beginning with XXXX. 
My XXXX  had a XXXX and my family and I were having to travel back and forth from XXXX ( XXXX ) and XXXX, GA. 
Total by XXXX charged my account in XXXX XXXX times {$110.00} for XXXX XXXX phone. I couldn't get XXXX to correct the charges, so I tried through Direct Express. 
My XXXX XXXX  later in XXXX and I need the money to make payments for the XXXX, etc. 

My card was " Hot-Carded '' on XX/XX/XXXX and a new card allegedly mail out to me. 
As of XX/XX/XXXX - STILL no card and I can't get anyone on the phone to discuss it, nor is there a link on the website to assist. 
Please, please help!!
Product: Vehicle loan or lease

XX/XX/XXXX I called Toyota Motor Credit and explained I attempted to gift the car to my granddaughter. When I went into the DMV, I found out Toyota still had a lien on my car. I purchased the car in XXXX and paid it off in XXXX XXXX XXXX. They verified my previous and current address, phone number and contact information. Stated I would get a lien release in the mail in 14 days. ( Vehicle is too old to do an electronic lien release with the DMV ) XX/XX/XXXX Called, Toyota verified the information and stated they would send the letter. They did not know why the first letter did not go out. 
XX/XX/XXXX Called, they asked for my current address. I asked them to tell me what they had on file. They verified my current and previous address. They stated they needed to verify that before they would send the release. I asked for an address where I could send a certified letter, because the call center was not handling the lien release. They were unable to give me an address. 
I found an address for US Toyota Credit and sent a certified letter on XX/XX/XXXX No response from Toyota.
Product: Student loan

Had requested relief from student loan payments with AES ( American Education Services ) due to COVID ( my wife was not ale to work and our Household Income was reduced dramatically ) going back to XX/XX/XXXX Was on what i thought was the Federal Relief Program when legislation was passed along with the Stimulus Payments. Was told that I was eligible for a Forebearance and was on one fromXX/XX/XXXX throughXX/XX/XXXX Was sent letters about the Forebearance expiring but if I was still having difficulty making payments due to COVID to call and inquire about further assistance. Was told back in XXXX that I was not under the federal program since this loan did not qualify under the recently passed CARES Act but they would submit my request via phone to do a Natural Disaster Forbearance Extension which was the original plan fromXX/XX/XXXX I received a letter dated oXX/XX/XXXXthat I was no longer eligible regardless of COVID so I called back in to see what relief I could get since my wife was still unemployed. Was told again that they would submit a repayment plan option and see if that would work and received an email on XX/XX/XXXX about the COVID related Forebearance may be ending soon???. I called back in and they stated again that they would submit my request via phone. Shortly after I received notification that my credit score dropped 50 point sand was reported 60 days past due by AES. Called back in to AES and spoke with a rep about disputing the credit reporting as well as eligibility for a 90 extension as part of the COVID situation. Was told to keep checking the website over the next 7 days to see the status of the relief program and at one point saw that here was no payment due. 
Received a denial letter on XX/XX/XXXX about the credit dispute ad just received an email stating that I'm now more than 90 days past due and I still owe the current monthly payment. THERE IS NO CONSISTENCY AS TO WHAT YOU ARE BE BEING TOLD OVER THE PHONE AND THE SPOOTY ELECTRONIC COMMUNCIATION THEY POST ON THE SITE OTR SEND VIA EMAIL. My credit score has dropped over 100 points, My wife is still not back at work and I am having difficulty paying this monthly bill. Hopefully able to resume as things start getting back to normal and my wife resumes her business in the summer. 
Pleasehelpo
Product: Debt or credit management

I can look for everything in my email but right now I dont have
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the hard inquiries from My XXXX XXXX and XXXX  record, This someone was made on XX/XX/2018. CHASE CARD. I have never made such a request, so I am asking you to remove it.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This Company by the name of ProCollect Inc keeps on calling me regarding a debt that is not owed by me. I had asked them to stop calling me because I am not the person they are looking for. They promised they would never call me again and today they called again.
Product: Mortgage

Was applying for a mortgage refinance through Hometrust Mortgage, representative XXXX XXXX XXXX, and submitted ALL the requested documentation. On XX/XX/19, he took it upon his self to run my credit report without my authorization, or siganture even though I had forwarded him a copy of a credit report that was pulled on XX/XX/19 by another mortgage lender that I had been in previous contact with. Upon attempting to have the unauthorized credit pulls preformed by the bureaus on XX/XX/19, it was discovered that I had credit freezes from previous identity theft on my credit reports, and that I would have to have the freezes removed! 

At that point, he started acting discriminatory with his customer service conduct blowing off my phone calls, and email communications when I clearly was attempting to contact him to confer with why he had not communicated that he was going to request a credit pull, so I could inform the bureaus to remove the freezes. This went on for about 5 days until I sent a text message to his friend XXXX from XXXX XXXX who referred me to him. After seeing the text he contacted me at XXXX XXXX basically saying XXXX me, and my loan file, in addition to racially disparaging me which I have documented text communication of.
Product: Debt collection

This letter is in reference to the excessive number of phone calls I have received from your agency, including repeated attempts to contact me at my place of employment. These calls have not only caused unnecessary stress but have also disrupted my ability to focus on my work. Contacting me at my job is both unprofessional and inappropriate, and I find these persistent attempts to be intrusive and unwarranted.
Product: Credit reporting or other personal consumer reports

Equifax Inc. has inaccurate and stale information on my credit report. Accounts and account balance updates are missing from my credit report. I receive regular monthly updates from all my accounts with XXXX and XXXX. I verified with my financial institutions, lenders, creditors that they do in fact report to Equifax for ALL my accounts. Equifax did an investigation back in XXXX when I called but no resolution. I also tried disputing missing accounts online but there's no option to do so. Based on my Equifax credit report, the last time all my accounts listed on my report, updates were last received in XXXX. But that doesn't make any sense when my creditors are reporting on a monthly basis and I personally see those updates with XXXX and XXXX. I think there might be a different report or reports that capture my creditors monthly updates. I recently noticed that all my XXXX XXXX XXXX that I currently have balances all disappeared from my Equifax report. That's strange, when I still owe substantial amount of money. Equifax needs to get the act together and investigate where my creditors updates are being reported too?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax used my report improperly and leaked my personal information to the public. Due to their incompetence, I will forever have to worry about my credit being used maliciously and without my permission. 

This is extra stress and suffering that 143 million Americans did not need.
Product: Credit reporting or other personal consumer reports

Hard Inquire- Due to XXXX , XXXX and XXXX has opening settlement. I do believe my information has been given out. Which has caused harmed to my credit.
Product: Credit card or prepaid card

I am not satisfied that you've properly pleased the policies of the Fair Credit Reporting Act in completing your study. My studies have revealed to me that according to Section 1681 ( g ) I suggest you give me an outline with the method employed to guarantee that this account is in collections and give me the name and addresses of persons contacted in each regulation perfectly located at the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX with XXXX  XXXX XXXX XXXX  ( original creditor : XXXX  XXXX  ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

This is a follow-up from Report # XXXX XXXX The law is very clear on the UCC laws and the UCC11 proves no liens on me or my property. If you owe a debt the creditors should put a lien to prove your indebtedness. The UCC filing allows creditors to notify other creditors about a debtor 's asset used as collateral for a secured transaction. UCC Liens are filled with the secretary of state acting as a public notice by the creditors. I have attached the UCC-11 CERTIFIED LETTER from the state clearly showing no liens or debt on me so how can you report anything as debt on my credit report? Per 15 USC 1681 section 604 ( a ) a consumer reporting agency can not furnish an account without my written instructions. Now to be specific these accounts should be deleted from my credit file immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX