23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a  XXXX  credit card. It has been delinquent and I received several voicemails asking me to call or to go online and make payment arrangements on or before end of   XXXX   XXXX     or the account would be charged off. I made a payment plan arrangement online before the deadline. When I went online this week ( week pf    XXXX   XXXX    ) to check on status, I was unable to login as my account was in " special status '' and I was instructed to call  XXXX , which I did. After a run around, I was told my account had been transferred to another division of  XXXX  and told to contact them at  XXXX , but also told they were closed at  XXXX  cst ( it was  XXXX  cst when I first called  XXXX  ). Meanwhile, my father had received a call from a debt collector at  XXXX  cst today - we presume a debt collector as they did n't identify themselves, but a reverse phone check of the number (  XXXX  ) revealed them to be a firm called Northstar Companies - a firm neither my father or I had ever heard of before. I mentioned this name and number to the  XXXX  rep and they were n't aware of the cos or if the management of my account has been transferred from  XXXX  to Northstar.
Product: Mortgage

I can no longer defend myself against XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ fax ] XXXX In court or prevent the foreclosure of my home, XXXX XXXX XXXX, XXXX, MA, XXXX. 

Index XXXX. 

I was not given the opportunity to present my case in front of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX  As XXXX XXXX XXXXXXXX, XXXX Made misstatements about my downpayment on the home under oath and failed to advise the court of their clients violation of automatic orders and contempt, when he stopped paying his mortgage.
Product: Debt collection

This collection is a result of identity theft FCRA subsection 605b 15 usc 1681c2 please block this collection Trans world systems # XXXX Amount {$180.00}
Product: Credit reporting or other personal consumer reports

Account Name : XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Mortgage

I'm not receiving the escrow analysis. however, the only option provided by the bank is to register into an inaccesible page ( No posible way to register ... and the Customer Care officer recognize there is issues with the page ) I'll never receive my Escrow Statement if not login into the page .... 

My loan # XXXX
Product: Vehicle loan or lease

I purchased a vehicle from XXXX on XX/XX/year>. Living in Washington, I was in constant communication with the dealership. Over the phone, I informed XXXX XXXX that I planned to use my own financing due to a better rate. XXXX stated that all financing must be handled in person. To ensure the vehicle would be held for me, I provided a screenshot of my plane ticket from XXXX to XXXX at XXXX 's request, and he assured me the car would be held. 

Upon arrival, I began working on the financing with XXXX XXXX. XXXX claimed that due to a cyber attack on their associated company, I could only use AutoNations financing. I explained that my financing was with XXXX XXXX XXXX XXXX and requested he verify my check by calling them, but he refused. XXXX  then stated it was company policy not to accept outside financing. When I asked to see his manager, I was told the manager was in a meeting. XXXX made it clear that if I did not use their financing, there would be no deal. Given that I had flown from XXXX, I felt pressured to proceed with their financing. 

During the contract signing, XXXX  omitted the {$3000.00} rebate I was eligible for, which was previously shown in the pricing menu. This appeared to be an attempt to take advantage of my frustration over the financing situation. As of XX/XX/year>, I still do not have access to my financing account, raising further concerns about the honesty of the transaction. 

I am extremely dissatisfied with the deceptive and unethical handling of this transaction. I have since contacted other AutoNation dealers who confirmed that accepting outside financing is not against company policy and would not have been an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account NameXXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$32000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 


Status UpdatedXXXX Balance {$24000.00} Balance UpdatedXX/XX/XXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$15000.00} Highest Balance {$0.00} Terms60 Months On Record UntilXX/XX/XXXX i HAVE DISPUTED THIS WITH XXXX EVERY FEW MONTHS FOR 3 OR MORE YEARS. MY FIRST HUSBAND HAD A CAR HE USED MY NAME TO GET AND THEN APPARENTLY DIDNT PAY FOR IT. HE OWED APPXXXXX AT THE TIME AND WAS AWARDED THE DEBT BY THE JUDGE IN OUR DIVORCE WHICH I HAVE SENT THEM MULTIPLE TIMES AND HAVE ALSO ADDED THE STATEMENT. IVE ASKED THEM TO SHOW ME HOW THEY HAVE KEPT REPORTING FALSE INFO AND WHY HASNT IT BEEN REMOVED AND THEY STILL NEVER RESPOND AND I HAVE HAD TO TAKE THE PAPERS TO THE DEALERSHIP WHEN I NEEDED TO LEASE MY ACTUAL CARS AND I DONT KNOW WHY THEY KEEP REPORTING THIS WHEN IT IS NOT MY RESPONSIBILITY. ALSO THEY KEEP REPORTING IT HIGHER AND HIGHER AND NOW IT SAYS XXXX WHICH IS COMPLETELY CRAZY. I DONT KNOW WHERE IN TEXAS MY EX HAS MOVED TO BUT PLEASE PURSUE THE RIGHT PERSON
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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.

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: Credit reporting, credit repair services, or other personal consumer reports

It comes to my attention that your company has placed erroneous information on my credit file. I am lost for words on why your company would attempt to do something like this. It appears to me that your professionalism is by far professional in anyway. I have been in contact with your company for at least a year. I have never called to dispute any information on the phone. I have sent certified internal dispute letters and affidavits consistently. Never received nothing more than silence and the lack of reply during this time shows me the only way to attack this situation where I am accused of owing these debts that your company placed on my file as errors is to contact the FTC which I have filed a complaint, file a suit and a hearing is dated in XXXX of 2018. I have spoken to my lawyer and the best thing for me to do was allow him to continue dealing with your company until the hearing and court date. I have tried to find many ways to contact you by mail and online but I didnt receive any reply and its been a month. I am fed up and filed with anger. 
I have attached the errors on inquiries and accounts. Please take a look at the attachments. If you decide to contact me by email I will be forwarding all information to my lawyer from this point on.
Product: Credit reporting or other personal consumer reports

I am so displeased with the way my information was used. I have been trying to buy a home for my family, and I got denied due to damages on my consumer credit report. This is defamation of my character, and it's hindering my success. I take my livelihood very seriously, and I expected you all to as well. According to 15 U.S.C & 1681, you are supposed to promote fairness and accuracy on my credit report. But all I see are fraudulent and unauthorized accounts. I have been a part of several breaches, so at this point, you all should be protecting my privacy. This is detrimental to my XXXX XXXX XXXX XXXX to the point I had to have my XXXX pray for me several times. I don't have access to buy a house now. I am enforcing my rights, and I expect you to be more ethical with my information. According to 15 U.S. Code 1681s2, not one credit reporting agency should be reporting any inaccurate information anyways due to neglect use considering that I was in breach. I need help now so I can proceed to buy my family a house.
Product: Student loan

I am a XXXX in the XXXX schools in a XXXX XXXX  school. I have been XXXX for 11 years now. They removed me from XXXX  loan forgiveness plan and can not help me anymore. Navient has been giving me the run around and lies about everything they communicate to me. Please help a well deserved XXXX forgive her student loans quickly.
Product: Credit reporting or other personal consumer reports

Collection is being reported from XXXX XXXX systems in the amount of {$560.00}. I have disputed this previously because I never had a contract with them or the original debt collector. 15 USC 1962c ( c ) law clearly states " Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt ''. If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX & Transunion has been reporting unauthorized inquiries and accounts to my report, i have mailed them and called them numerous times to remove them due to it not being permissable or authorized by me to have someone pull my report, i have a lock and freeze for an reason and TRAUNION, XXXX, XXXX has violated my privacy XXXX inquires/ ACCOUNTS : XXXX XXXXXXXX XXXX/FXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INQUIRES/ ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  INQUIRES / ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Fir XXXX XXXX XXXX XXXX XXXX has reported a charge off that not only is inaccurate reporting but also I was told and stop by the XXXX company they ordered a repo even when I believe u advised them where the car was and also I phoned them they never pick up the car claiming that insurance company has it and now they state that they are waiting for the mechanic shop to send final bill well neither is nit true at all also XXXX never pick it up also tge amounts are wrong the company never pick up the vehicle for resell and there exist no charge off nor XXXX if so why am I being ask for money from the XXXX XXXX when XXXX already advised me that they would pick it up .....
Product: Credit reporting, credit repair services, or other personal consumer reports

In the recording with the fair credit reporting act conversion account number XXXX XXXXXXXX XXXX XXXXXXXX and account number XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1518 section 602 a state I have a right to my privacy 115 U.S.C 1618 section 604 2 also states a Consumer reporting agency can not parish XXXX account with out my writing construction.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES 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 XXXXXX/XX/year>
Product: Debt collection

On XX/XX/year> I received an email from XXXX debt collection threatening me with legal action on behalf of XXXX XXXX  I received an email last month on XX/XX/year> from XXXX debt collection for the same debt for the same company XXXX XXXX
Product: Bank account or service

My XXXX XXXX XXXX Account is being charged without my knowingly authorizing any transactions. I discussed the issue with the vendor and was advised the situation would be corrected ; the correction was process ; however, new charges that were greater then the original charges have been charged to my XXXX XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, CAPITAL ONE XXXX, XXXX and XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did. Due to the privacy act of 1974 it is very illegal to obtain and share any of my information without notifying me first, Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance per federal law 15 USC 1681n .
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX XXXX they have not updated my credit information which is providing and accurate information which is a violation of my rights on the 15 USC 1681 And I have to providing this information they have still refused to do anything about it and to give me an updated credit score see my attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The LIST of accounts Below has violated my Federally protected consumer rights To privacy and confidentiality under 15 U.S.C 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

STOP CONTACTING ME. I SPECIFICALLY YELLED AT YOU PEOPLE MULTIPLE TIMES THAT THERE IS NOT IDENTITY THEFT. ( THAT RECORDING IS NOT INCLUDED BECAUSE XXXX LIMIT ON THIS XXXX SALES FORCE WEBSITE ) THERE IS FRAUD! YOU DEFRAUDED ME. YOUR BUSINESS IS FRAUDULENT! YOU NEED TO BE PLACED INTO LIQUIDATION TO PAY BACK CREDITORS LIKE ME! I AM DONE TALKING TO YOU! 
XXXX NOW, OR GO XXXX YOURSELF. I'M DONE WITH YOUR XXXX BANKS AND ECONOMIC ZONE. XXXX YOU! PURE FRAUD! PHYSICS IS UPSTREAM OF POLITICS. I WIN THIS NO MATTER WHAT. IF YOU DON'T SURRENDER SOON, THEN I WILL NOT ACCEPT SURRENDER EVER! IF I TESTIFY, YOU ARE GOING TO JAIL FOREVER! CONTACT XXXX XXXX XXXX FOR INFORMATION. XXXX. DO NOT CONTACT ME. YOU OWE ME FOR EVERY MINUTE I HAVE SPENT ON THIS CASE, AND NOT DOLLARS. XXXX DOLLARS. DEAD CURRENCY. WORTH XXXX! YOUR BUSINESS AND POLITICAL STRUCTURE IS GOING TO XXXX! FIGURE IT OUT XXXX! OR ELSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is reporting something that is older than seven years from the date that the debt was incurred. I have tried to resolve this directly with XXXX, XXXX, and Trans Union and an unresolved complaint with the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Was paying a set amount to XXXX XXXX. Next I receive a call from a debt collection agency.
Product: Debt collection

I sent a letter disputing this debt as it is a result of identity theft sent certified mail XX/XX/year>
Product: Credit reporting or other personal consumer reports

An account for XXXX  XXXX appears on my credit report with a balance of {$5400.00} however the debt was written in ff and a offset balance was reported to the IRS ( Cancellation of Debt ) according to the fair credit reporting act they can no longer attempt to collect or reopen account to collect which they have unlawfully done
Product: Debt collection

ALL INFORMATION I HAVE : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I C Systems Date Reported - XX/XX/2022 Payment Status - Collection/Chargeoff Account Status - Derogatory Amount Past Due- Not Reported Account Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Original Lender - XXXX XXXX XXXX Account Type - Not Reported Responsibility - Individual Age Of Account - 1 Years, 5 Months Credit Limit - Not Reported Highest Balance - {$240.00} Payment Details -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount Past Due- Not Reported Date of Last Payment- Not Reported Monthly Payment- Not Provided Payment Frequency - Not Reported Lender Info -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I called the number provided but first, it just rang and then second, when it did not through no one answered. I do not not know if this is an issue on my part or theirs but yeah. I do not recognize any companies here and do not recall a 1 year, 5 months old account with a debt of {$240.00}. I do not think this is my debt and I do not have any more information to prove otherwise. I looked more into only and really many people have had the same issue of these companies showing up in their credit report with false claims of debt collection. Not sure if this is a scam of theirs but it should definitely be looked into just in case. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX acct XXXX ( total {$1500.00} originating from XXXX XXXX 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 a account without my written instructions. I have attempted numerous times over several years to have this issue corrected with no relief and it is hindering my ability to purchase a home as a single mother with no support from the other parent
Product: Credit card or prepaid card

I mailed a VALIDATION letter to kohls department store on XX/XX/2018. I got a copy of my credit report and do not recall this store card. I NEVER got a reply from the company and it's way past the 30 day grace period. As per the FCRA 30 days response is typical and VALIDATION is a contract and or lease signed. I'm asking the company provide that or please delete this credit card from my credit as its causing me distress.
Product: Debt collection

the company named is XXXX Main office XXXX XXXX XXXX  XXXX XXXX  fl XXXX phone number:XXXX The purpose of this company is to collect an specific amount from your bank account each month. In my case {$760.00} each month and place the money in escrow in a bank called XXXX XXXX XXXX to pay the creditors when they got settlement They stated that if the credit card call you do not answer the phone because they are going to lied to you. 
In my case my husband answered a phone call from one of his creditors and informed him that this company has not called them or execute any kind of settlement. we called XXXX XXXX they did not answer the phones calls or put you in hold indefinitely. I have to go in person to resolve the issue. I request to receive my {$3000.00} back because they were not representing to us. The manager told me in person that all that money they are going to keep it because they were working in the accounts. they have {$120.00} administrative fee plus {$15.00} monthly service fee equal {$140.00} x four months equal {$560.00} they should return {$2400.00} they just placed back into my account {$450.00} When I called XXXX requesting my money in escrow they just saying that they return what ever amount XXXX XXXX tells them to do. I feel frustrated and robed from this company and I please ask you kindly to help me to recuperate my money
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported to credit bureaus that I was 90 days XXXX, however, they also reported XX/XX/year> and XX/XX/year> in good standing. This has affected my credit score significantly, I have 5 accounts totaling XXXX