23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company is sunset Finance company located in XXXX Georgia a lady named XXXX that works there has repeatedly called my job I work on the XXXX installation and I have let them know that I can not receive personal calls on that line they've called my manager several times after I've asked them not to. My manager will give a statement supporting This complaint. I fell behind in my payments I offered to make a small payment she refused to accept anything less then what was Their minimum payment. So this morning XX/XX/2018 at XXXX XXXXXXXX a sunset finance Employee by the name of XXXX XXXX my doorbell unaware that my doorbell was recording because I have the ring security system he Came to demand payment at my residents I live in a gated community he went to the rental office Falsely identified his self in order to Gain access through the gate. He had no court order he had no officer with him And the recording shows me speaking with XXXX on the phone with XXXX there and her refusing payment also refusing payment over the phone due to the amount she feels as though i should have to give. other what i can actually afford. I am a single mother this company had absolutely no right to send some strange man to my house regardless Of the Debt I owe to this company The conversation in the hallway Lead to my privacy being violated this company should not be allowed to do this to people It was a personal loan he is not a repo man there is nothing for him to repossess any collateral I may have put down on that paper for the loan would have to come with the court order in which he did not possess. And I will be taking a restraining order out on XXXX and sunset finance company. If a company refuses any payment on a debt Then I no longer owe a debt. i was late for work and to be honest now days with things the way they are strange men should not be popping up unannounced at anyone 's home. This to is a problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have looked over my credit report and there are fraudulent accounts on my consumer report that are fraudulent. Any unathorized account is considered identity theft. Under the FCRA written by congress at the receipt of an identity theft report, which is attached, a consumer reporting agency has 4 business days to block these fraudulent accounts. I, XXXX XXXX did not receive and will not receive goods, services, nor money for this block. Neither was this request made by error nor is the identity theft report a misrepresentation of fact being that it is directly from the Federal Trade Commissions website, who by law is authorized to enforce compliance. Therefore there is nothing preventing the blocking of these fraudulent accounts as said so by congress under the FCRA. Unless your consumer reporting agency is able to provide me, XXXX XXXX who is the consumer, a proof of validation of any of these alleged debts from the creditors within 4 business days, there should be NO reason why I would have to wait for an investigation with the creditors/furnishers before the necessary blocking of these fraudulent accounts. NO company policy is above FEDERAL LAW. With that being said there should be NO comments on my consumer report saying that these fraudulent accounts are in dispute, especially since I, the consumer DID NOT request for these accounts to be disputed but blocked, and I have also provided everything needed, pursuant to 15 USC 1681c, for this fraudulent information to be blocked no later than 4 business days. Please also mail me confirmation of this block along with an updated consumer report showing this block. Along with this statement, I have attached both the identity theft report and proof of my identity which is my license and proof of address. The fraudulent accounts that need to be blocked are listed below. 

XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX US DEPT. OF EDUCATION/XX/XX/XXXX
Product: Debt collection

I received a collection notice from Total Card Inc. in XXXX XXXX, South Dakota stating that they are acting on behalf of a now defunct credit card issuer XXXX XXXX XXXX. They claim that they are trying to collect on a debt I incurred using the XXXX card and offer to, and I paraphrase, resolve this debt for pennies on the dollar, potentially saving me {$1800.00}! I've never had an XXXX credit card, I had never heard of XXXX until today, and I carry no credit card debt. 

I was going to contact TCI today but decided I should hold off since by contacting them they are alerted that I'm a bonafide person which might initiate additional credit scams. 

Not sure what steps to take next. I would greatly appreciate any assistance or suggestions. Thanks for your time and thoughts! XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS AND INACCURATE INFORMATION from my credit report immediately.
Product: Debt collection

XX/XX/XXXX Subject : Harassment by Harley-Davidson Financial Services Dear Sir/Madam, I am writing to file a formal complaint regarding the harassment I have experienced from Harley-Davidson Financial Services. I have a loan with Harley-Davidson , for which my payment was due on XX/XX/XXXX. 

Over the past XXXX days, I have received approximately XXXX phone calls from Harley-Davidson Financial Services regarding this payment, even though it was not yet XXXX days late as of today, XX/XX/XXXX. I consider this level of contact to be excessive and harassing, especially since I was fully aware of the payment due date and intended to address it within the XXXX grace period. I would also like to add this has been happening since I bought it in XXXX of XXXX. Ive only been 30 days late XXXX time. 

I believe that this repeated contact violates the Fair Debt Collection Practices Act ( FDCPA ), which restricts the frequency and nature of contact from creditors. I kindly request that the FTC investigate this matter and take appropriate action to ensure that Harley-Davidson Financial Services complies with federal regulations regarding debt collection practices.

Please inform me of any steps I need to take or additional information I can provide to support this complaint. I appreciate your attention to this matter and look forward to a resolution that upholds consumer rights. 

Thank you for your assistance.
Product: Vehicle loan or lease

We traded in our XXXX in early XXXX. We received a letter from Volkswagen Credit XXXX XX/XX/2020 stating our loan had been paid off. On XX/XX/XXXX, we saw we had a pending payment to Volkswagen Credit for the loan that was already paid off. We called Volkswagen Credit immediately and were told that the payment would have to go through. They would refund the money in two weeks. I said that since the money should never have been taken out in the first place, it should be refunded immediately. The woman said that would happen. Today, XX/XX/XXXX, I called again to check on the status of the payment. Nothing had been done. A second woman said she would request the payment be XXXX XXXX  and we should see it be the end of next week. I asked that we receive the money on Tuesday since this money should never have been taken out of our account. 

Volkswagen made two errors. The first was not terminating the automatic payments on a timely basis. I would think that would have been done that when the paid off letter was sent to us, XX/XX/XXXX. The second one was not refunding us our money on a more timely basis since the money should never have been taken from our account in the first place. 

Volkswagen Credit should have the letter sent to us along with recorded calls.
Product: Debt collection

I have an outstanding balance of approximately {$1000.00} XXXX. I committed to pay for it. I am currently jobless and it's hard to pay the smallest amount. I call this company to let them know and they are bashing my process. They tell me getting a debt consolidation is a bad idea. They also say I have funds that I'm not releasing. They said I didn't intent on paying the account off. They also involved my wife saying her being in the military in debt is a bad look. There's much more. The line was recorded on both ends. I felt very harrassed and so did my wife as she was there listening with me. I have never been been this disrespected by a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

The end of XXXX, I called Avant to share that I was having a financial hardship. They approved a short-term payment plan for my loan at a lowered monthly payment than what I previously had with them. My payment required due date was by XX/XX/XXXX. I had previously had my payments on an ACH payment to Avant for over $ 400/month through my XXXX account. I stopped the ACH to assure that the old payment amount would not be drawn. I called and informed Avant of this and was told NO PROBLEM. Avant provided me with their mailing address and my exact account # and I immediately created an account for them on my XXXX bill pay. A check was mailed out mid XXXX and cashed/cleared from my XXXX account on XX/XX/2020. My XXXX bill pay does not pull funds until the merchant cashes the check. This happened on XX/XX/2020. However, Avant is saying that they did not receive the payment until XX/XX/XXXX. They therefore kicked me out of the short term plan, reported me to the credit bureau, and despite me sending copies of my bank statement showing their payment clearing my account on XX/XX/XXXX, refuses to reinstate me back onto the plan. I did make my second monthly payment in this plan for XXXX. The check cleared my XXXX account on XX/XX/XXXX which is two days after it was sent. I have sent 10 emails  begging for help. I have called a dozen times pleading for help. I have done NOTHING wrong and this company has now ruined my credit score. XXXX XXXX is a supervisor that I have spoken to multiple times. They claim that a " back office '' determines things and they can not help me. Today, I received a letter from Avant representative " XXXX '' that was meant for another customer named " XXXX '' and it contained his personal information. This company is reckless and in violation. Please help me. I can provide my bank statements as well as poor XXXX email that they mailed to me addressing a bi weekly plan ( FYI - they told me that this email was for me and someone typed in the wrong name ... I NEVER asked for a bi-weekly payment plan so this is another lie ).
Product: Credit reporting or other personal consumer reports

This correspondence is reference to the account XXXX with XXXX XXXX XXXX XXXX On XX/XX/year>, I received a notification stating that Experian concluded its reinvestigation of a dispute opened on XX/XX/year>, and updated the account listed. Upon reviewing the updated information, I noticed the inaccuracies, as well as violations. The following is a violation of the FCRA : Prior to the investigation, the account was updated on XX/XX/year>. The results of the reinvestigation, which concluded on XX/XX/year>, updated the account as of XX/XX/year>. Experian updated the account with old information. 
The reinvestigation was concluded on XX/XX/year>, and the updated account information states the last payment received was XX/XX/year>. However, prior to the investigation a payment was received in XXXX of XXXX  which is accurate. Payment was also received in XXXX, as well. 
The positive payment mark was removed from my credit score in XXXX The written off/charged off amount was adjusted due to the payment in XXXX and XXXX. Not XXXX, as stated on the updated report. 
Payment was received on XX/XX/year> and XXXX XXXX. I opened the dispute on XX/XX/year>. The updated payment information should have been reflected in the reinvestigation. This illustrates Experians willful non-compliance to report an accurate and fair report, as well as conduct a proper reinvestigation.

According to 15 U.S. Code 1681i ( 5 )
Treatment of inaccurate or unverifiable information : ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Under the FCRA, I am entitled to a fair and accurate credit report. Due to the willful noncompliance of Experian, I request the account with XXXX XXXX XXXX XXXX, be removed from my credit report. 

Please review the attached documents. I look forward to a prompt response to this matter.
Product: Checking or savings account

This is it! I couldnt open a bank account after I had two or three of my previous bank accounts closed due to overdraft or fraud. Last week I tried to open XXXX account I was declined, they sent me a letter stating that the decline was based on the information obtained from a credit report agency known as XXXX XXXX XXXX. Please help me!!!
Product: Credit card

In XX/XX/XXXX, I opened an account with XXXX XXXX through Synchrony Bank, receiving a credit limit of {$3800.00}. I consistently made my payments on time. However, on XX/XX/XXXX, when I checked my available credit, I was surprised to find only {$88.00} remaining. After requesting to speak with a representative, I learned that they had conducted a credit report on me, which led to a reduction of my limit to {$2900.00}. I did not authorize them to run a credit report, as I had not requested an increase in my credit line. I wish to report this unlawful action by the bank.
Product: Checking or savings account

HELLO MY NAME IS XXXX XXXX, THE CITI BANK ALREADY HAS MORE THAN 3 MONTHS THAT IS IN THE PROCESS OF CLOSING MY ACCOUNT, AND IT IS NOT YET CLOSED, THE ACCOUNT HAS {$2000.00} BALANCE AVAILABLE AND THE BANK HAS NOT SENT ME A CHECK WITH THE FUNDS THE DELAY IS TOO LONG THE BANK DOES NOT WANT TO CLOSE THE ACCOUNT AND SEND ME THE CHECK WITH MY FUNDS, PLEASE ACT NOW AND SEND MY CHECK. DEBIT CARD:XXXX
Product: Checking or savings account

Chase closed my account for no reason and wont tell me why. However I had a balance of just over {$480.00} dollars in there. They advised a check would be sent out. This check was never received so I requested a new check to be sent out 4 times. They keep telling me a new one would be sent however theyre not giving me a date on this. Its now been 2 months since the account was closed and still not received my funds.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX XXXX My Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX My only Phone number is ( XXXX ) XXXX My only Employer : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been or are open. Please remove these accounts from my report as soon as possible. They do not belong to me. 

XXXX XXXX XXXX XXXX {$550.00} XXXX/DEPT OF ED XXXX {$3500.00} XXXX XXXX {$470.00} XXXX  XXXX {$500.00} XXXX  XXXX {$570.00} XXXX XXXX {$420.00} XXXX XXXX XXXX {$500.00} XXXX XXXX  XXXX {$570.00} XXXX  XXXX {$250.00} XXXX  XXXX {$520.00} XXXX XXXX   XXXX {$3700.00}
Product: Vehicle loan or lease

bought XXXX XXXX on XX/XX/year> pay XXXX a month and I been late but get caught up, my only vehicle, I financed it through global lending for XXXX and after 2 years still saying XXXX something ain't right,, and I've been out of work for over month helping my dad who just passed away and they don't care and fixing to report me and my sons only transportation they want lower payment and my bank accounts been hacked and loans took out in my name and I wrote yall 3 times call never helped me
Product: Credit reporting, credit repair services, or other personal consumer reports

I want somebody to please pay attention to my letters and the proof I keep sending in!!!!! I sent XXXX letters and I'm not getting any help with my credit reports. 
I am having a few problems with XXXX because they are ignoring my letters and the evidence that I mailed in. I'm trying to buy a house and XXXX is stopping me because so many problems with my credit report. I hope this agency is able to help me with my consumer rights because I am being ignored by XXXX. 

# 1 Problem with XXXX is I sent a letter to XXXX On XX/XX/XXXX and a copy of my credit report with my driver 's license because someone else accounts are on my credit report. XXXX claimed they verified the accountss but it's impossible because I know for a fact the accouts not mine. I wrote a letter to XXXX to get information on the account and they did not send me anything either. XXXX is on my credit but I never been to XXXX XXXX of Wisconsin. I also wrote to XXXX To let them know these accounts not mine SEVENTH AVENUE XXXX and MONTGOMERY WARD XXXX and XXXX XXXX THESE accounts also belongs to someone else and XXXX, Seventh Avenue and Montgomery Ward ignoring me. 

I sent another letter on XX/XX/XXXX to XXXX asking them to remove these accounts from my credit report and they still ignored my request. 

XX/XX/XXXX I contacted Seventh Avenue, Montgomery Ward and XXXX myself asking them to send me information on these accounts so I can find out how somebody else accounts get on my report and the information they have in their files about these accounts and the companies ignored me. I need these accounts to be deleted from my credit file because they are not mine and these companies won't send me any information about these accounts but they keep putting it on my credit report every month. 

ON XX/XX/XXXX I wrote another lettre to XXXX letting them know I contacted these companies and didnt get a response or no paperwork from them to validate the accounts so I don't know how they claim they verified with the company if the companies won't even send me anything or respond to me. 

XXXX letters sent to these companies and nothing done to resolvee
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX 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 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 XXXX XXXX XXXX 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: Credit reporting

I am being " docked '' because there is no record of a XXXX mortgage. I do not have a mortgage and have not had one since XX/XX/XXXX. I own XXXX % of my co-operative apartment. 

Yes, I did once have a mortgage but it got paid off in just a few years after I purchased my apartment. I purchased the apartment in XX/XX/XXXX and the mortgage was paid off in or around XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Refrence : XXXX XXXX XXXX XXXX XXXX case. Contracts secured with XXXX currency is null and void and can not constitute valid consideration in a contact. This debt is illegal and fraudulent. Im not aware of any supreme court ruling affirming that collective belief can assign intrinsic value of XXXX currency. Respectfully, fraudulent or fake things can not be used to support contracts. We can reject the that XXXX currency is a fabrication, forgery, fraud. The supreme courts made it clear with the decision of via XXXX XXXX XXXX issued by XXXX XXXX the systemic fraud, deception and the counterfeit authority that has dominated financial, governmental systems and practices a affective immediately. XXXX currency is prohibited and is false authority. Ive filed a dispute on this matter and am no longer voting or participating in national elections. Ive communicated with others on the fraud of XXXX lending and false authority. 

In addition, law 15 U.S.C168 state that the fair credit reporting : FCRA 'S to ensure that CRAS are fair, impartial and respectful of consumer privacy rights. 
The FCRA finds that unfair credit reporting methods can undermine the publics confidence. The requirements by the FCRA CRA 's to be confidential accurate, relevant and properly utilized information. I respectfully, request the removal of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past months I have been trying to correct and delete inaccurate information from my credit profile. I have reached out to the credit bureaus and creditors but it seems as if they could care less if my problem is solved. I read in the FCRA that anything that is listed on my credit report must be 100 % accurate and verifiable. From my understanding there is no way possible that the information reported can be verifiable if it is not 100 % accurate. There is no way, unless the credit bureaus/creditors are lying to us as consumers and the laws that are set to protect are allowing me to be misused, defamation of character etc which is not fair. I read that incomplete account numbers does not serve as accurate account numbers. How do I know that the account is actually mine when the accounts are completed, who is verifying accounts with incomplete numbers? How do I know that they are verifying the right account attached to my social? I could go on and on with inaccurate info and violations according to FCRA.. Are you going to help uphold the law for consumers like me or are you going to continue to allow me and others to be violated against?