23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ON XX/XX/2022 AUTOTRAKK LLC threated to take legal action against me XXXX XXXX XXXX XXXX, consumer first, for not paying for a debt has not been validated legally and they threatened to get me arresting under XXXX  XXXX XXXX. This is against the fcra and i have came to this knowledge recently, AUTOTRAKK LLC has caused me fear, defamation of character, and grief with the inaccurate reporting in which i cant be approved for anything and committing to get me arrested which is unlawful un the FEDERAL PROTECTED CLASS FCRA 15USC1692e as it states " A DEBT COLLECTOR, IN COLLECTING A DEBT, MAY NOT USE ANY FALSE, DECEPTIVE, OR MISLEADING, REPRESENTATION. FOR EXAMPLE, A DEBT OLLECTROR MAY NOT : THREATEN TAKE ANY ACTION WHICH IN NOT LEGAL OR INTENDED.ALSO FALSELY REPRESENTS OR IMPLY THAT A CONSUMER COMMITED A CRIME OTHER CONDUCT TO DIGRACE THE CONSUMER. DEBT COLLECTORS WHO VIOLATE THESE LAWS CAN BE HELD CRIMINALLY LIABLE UNDER THE FCRA UP TO {$1000.00}. 

I also sent a cease and desist letter out on XX/XX/2022 VIA EMAIL AND CERTIFIED MAIL to AUTOTRAKK LLC AND THE CEO XXXX XXXX, XXXX, XXXX, AND XXXX and replied back and said and i quote " that don't mean anything to us '' AUTOTRAKK LLC has completely disregarded my cease and desist and is in violation according to law.in the FCRA it states " WHEN A CONSUMER REFUSES, IN WRITING, TO PAY A DEBT OR REQUESTS THAT THE DEBT COLLECTOR CEASE FURTHER COMMUNICATION, THE COLLECTOR MUST CEASE ALL FURTHER COMMUNICATION, EXCEPT TO ADVISE THE CONSUMER THAT : THE COLLECTION EFFORT IS BEING STOPPED. Beyond this point i have received over 50 phone calls all attached below in attachments. They have harrassed me for months after me telling them verbally and written letter to leave me alone and stop communicating with me and all CRAS ABOUT THIS DEBT. also attached is my consumer profile information from AUTOTRAKK LLC up to date as of XX/XX/2022 which should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX XXXX, # XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX, # XXXX US DEPT OF EDU, # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX # XXXX ARS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX has violated my rights. 

1

5 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

The following inquiries were unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, there must be an error with Equifax 's investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see all inquiries that should be removed : XXXX XXXX  Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Mortgage

" Consumer Protection Bureau '' ... what a joke. These XXXX guidelines are nonsense. All this is doing is delaying closings, causing rate lock extensions, and ultimately hurting the borrower, not " protecting '' them. I have had XXXX closing delays due to " disclosure ''. If the borrower receives a Closing Disclosure and the number matches the Loan Estimate why are they required then to sit around three days before they can sign and close? It makes no sense. It is clear that the government officials and the people within the CFPB who set up these rules have no real world lending experience. Why is this now the most regulated financial industry? This needs to be remedied.
Product: Debt collection

XXXX and XXXX, the trustee attorney, has claimed to have nothing to do with the foreclosure sale at auction, but have represented to me, through Bank of America and their legal counsel, their are still in the process of post foreclosure sale activities and are unable to tender payment of the {$11000.00} owed to me upon sale. Both XXXX and XXXX and XXXX are unnecessarily holding back the amount I am owed. It is now two months post foreclosure sale and I am not in receipt of payment that, through the representations made to me by Bank of America, XXXX and XXXX, and XXXX and XXXX, have been delayed without explanation. If XXXX XXXX XXXX XXXX had three weeks to sale my home via foreclosure sale at auction, then they should have only three weeks from the date of sale to pay out any monies owed to the foreclosure upon party. 

The bottom line is Bank of America and their partners in crime are a sheisty and grimy business enterprise incomparable to any other criminal racket, including XXXX. Bank of America has engage in a racketeer influenced corrupt organized enterprise with their representatives and third party agents and are guilty of activities covered under the Racketeer Influenced Corrupt Organized ( RICO ) Act. 

Bank of America has intentionally withheld material information from me during the modification process. Specifically, I had been granted a MHA HAMP on appeal and Bank of America chose to make misrepresentations to me as to the true status of this account, borrower, mortgage, Deed of Trust, and real property intended to bring about the improper separation of me and my home. 

Nothing Bank of America has said or done since XXXX XXXX, XXXX changes any of these facts. Everything Bank of America has done, represented and misrepresented to me since XXXX XXXX, XXXX was designed and intended to separate me from my home. 

There has never been an UCC Financing Statement and Assignment of Rents associated with the XXXX Bank of America Note and Deed of Trust, so Bank of America and their representatives can not collect on any default through the sale of the mortgaged property a a matter of law. However, the State of California, through XXXX, does have the right and first dibbs on any rents generated through the property in the event of default through their XXXX Deed of Trust. Additionally, the XXXX XXXX Deed of Trust must be paid off before the real property and title can be transferred as a matter of law. Therefore, there are many violations of law that may be put forth as affirmative defenses or causes of action if this matter is litigated in California XXXX Court. 

If the United States of America government will not take decisive action in this and similar matters, then a private or nonprofit organization should be encouraged to do so under the Private Attorney General Doctrine with financial support and other resources provided by the federal government. 

A resolution of immediate payment of {$11000.00} by check dawn on a local bank is desired.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2010 a process server served a XXXX XXXX with a Case # XXXX that individual had a debt with XXXX that individual passed away in an affidavit filed with the court The same case # XXXX was then also used on XX/XX/2010 for a debt to XXXX for me I had done a motion with the court and advised of this and the judge decided it was a typo and didnt want to look at the case because I didn't show up to court back in XXXX. I was not properly served the same case number was used for 2 different judgments on 2 different people. Asset Acceptance has overcharged on the debt and retroactively imposed interest charges I have called and tried to do a settlement but they refuse to settle for less than the full balance. Now in a pandemic and am being garnished and it is causing a hardship
Product: Bank account or service

I have an online savings account at CapitalOne360.com XXXX originated from INGDirect which was bought out by COBank ). I make monthly deposits into the account and regularly make withdrawals into my XXXX bank account ( linked to the savings account ). On XXXX I scheduled a withdrawal from CO360 to the XXXX account to drop into XXXX on XXXX. This morning, I logged into XXXX and it was n't there. I then logged into CO360 and it was n't there either ( see attachment ). I called XXXX and they said it was n't in the XXXX for today at all. They had no evidence that it was anywhere. I then called CO360 and said where 's my money? because it had been taken out of my CO360 account altogether. They claimed it would take 2 business days to get to XXXX. I said I get that when I make an unscheduled withdrawal but that is not right for a scheduled withdrawal. And never since I 've owned the account, whether making a scheduled or unscheduled withdrawal, has the withdrawal shown as gone from my CO360 account and not deposited on the same day to my XXXX account. So, in order to get the deposit to XXXX as scheduled, I was required to wire the money at my own cost of {$30.00} or wait until Tuesday to get the money to XXXX. So, I was no longer the " owner '' of the funds in either location. My {$2000.00} was in someone else 's possession altogether, being used by someone else to get the " float '' and I was no longer getting anything, interest or use. In fact, for all I know, it was in the pocket of some hacker in XXXX. This ca n't possibly be legal. I get that they can, as an account term, take 2 business days. But never for those 2 business days has the money not still been shown as being owned by me in my 360 account. This was the first time ever they pulled this stunt. I will be demanding the refund of the {$30.00} shakedown and closing the account now, but I hope you will investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Account on my report that is Inaccurate
Product: Debt collection

I notice that this company AMSHER COLLECTION SE put A collection on my credit report and I have never heard of them. I only have XXXX negative on my credit report and I have No inquiries on my report. So I don't even know how they got my information. I have not applied for anything in the last XXXX years.
Product: Student loan

I made a payment over the phone to Navient to my private loan account, which is the only one I 'm not in deferment for. They applied most of the payment to the deferred account and only {$9.00} to the account I 'm actively making payments on. When I was on the phone I was very clear on which account to apply the payment to.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I signed a contract with XXXX XXXX to have new windows installed in my house. The original amount for windows and siding was {$25000.00} but I decided to cancel the siding so the new amount was {$12000.00} just for the windows. I made a down payment of {$2500.00} on XX/XX/XXXX and the remaining {$9500.00} was a loan from GreenSky. GreenSky worked with XXXX XXXX so I did not have a choice with the loan company. 

On XX/XX/XXXX I received an email from GreenSky to set up my account. I would received 12 months, no payments required with interest deferred. My first payment was due XX/XX/XXXX and if I did not pay off the load at that time interest would be added and accrue. I planned to pay the {$9500.00} before XX/XX/XXXX so there would be no charges or interest. 

On XX/XX/XXXX I received a phone call from XXXX XXXX that the windows would be installed on XX/XX/XXXX. On XX/XX/XXXX I received an email from GreenSky asking if the job had been completed. I was asked to click on either yes or no and I clicked no because it had not started yet and wouldn't be completed until XX/XX/XXXX. 

On XX/XX/XXXX I was told my windows would not be installed on the XXXX. As of today, XX/XX/XXXX I have still not received my windows. 

I contacted GreenSky back in XX/XX/XXXX to tell them but they said I still need to pay the loan because I told them the job had been completed, which I had not, and they had already paid {$9500.00} to Windows Select for the windows. This is where things stand as of today, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a derogatory entry on my credit report, and called the company listed. It was a collections company, seeking payment on an XXXX XXXX XXXX account in my name. Someone opened up a phone line in my name, using my social security number - back in XXXX of 2019 and stopped paying on the bill. They owe about {$1500.00}. I called the collections company, XXXX XXXX XXXX, who insisted I file a complaint with you all as well as contact XXXX XXXX XXXX. I've reached out to XXXX XXXX XXXX and am awaiting whatever action they decide to take. This is a completely fraudulent account in my name and it should be removed from all of the credit reporting companies ' records of my financial behavior.
Product: Mortgage

We owned a property in XXXX Florida. 
We have had problems dealing with the Mortgage Company ( in-consistent, transferred servicing/ change of attorneys etc ) and their non-conformance to a US Bankruptcy Court XXXX XXXX XXXX Court Order, Confirming our Chapter XXXX Plan, in which all parties agreed to " surrender of Property, in XXXX XXXX. 
My attorney was involved and also unsuccessful. 
Unfortunately the Mortgage company proceeded with Foreclosure rather than " Deed in lieu of ''. 
Keys were sent to a representative/agent of the Mortgage company in XXXX. 
We received in XXXX, a Florida Court document " Stipulation to consent to entry of Final Judgement ''. Clause advised that with signing the document we would receive {$1000.00} ( ( which we did in XXXX ) and another payment of {$2000.00} within 10 days of the sale. 
We have received a copy of the Certificate of Sale for auction on XXXX XXXX, XXXX. We complied with all the requirements and have still not received our {$2000.00}. 
In addition because of the delay and non compliance to the XXXX Bankruptcy Plan, we have lost rental income of {$7500.00} per year for XXXX, XXXX & XXXX. 
We welcome your help to resolve this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I received a hard inquiry on the same date from XXXX. I have no account with them and I have not applied for anything. When I spoke to them on the phone I was told at first they couldnt find any information associated with my ssn and then informed that they couldnt provide me with any information and they couldnt help me.
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX has for long attempted to collect on a debt not owed by way of their communication tactics. It has been awhile since I have communicated with them at this point. However they are reporting and furnishing information to my consumer report.

2. They are collecting some alleged debt for XXXX XXXX XXXX XXXX and are stating that I owe some sort of legal obligation to them to pay this debt.

3. I never agreed to any irrevocable obligation to an artificial entity that would cost me my labor for free or any irreparable harm inflicted on my reputation.

4. I have no personal connection or relationship with this collection agency other than their furnishing of this negative information.

5. As a mistake and to my confusion I mistakenly made a payment towards the account because I did not know my protections under the FCRA, FDCPA, Gramm Leech Bliley Act. Whereas I have rights that are geared to protect from from abusive debt collection practices that affect interstate commerce and invade my individual privacy. 

6. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and the consumer reporting agencies Equifax, XXXX, XXXX do not have my consent to furnish this negative information and they surely do not have my written consent. 

7. Any and all consent to Equifax, XXXX, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked effective immediately.

8. Any and all security interest whether it be verbal, non-verbal, written, implied or otherwise is revoked and terminated effective immediately.
Product: Debt collection

Cavalry Portfolio Service, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1200.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.
Product: Credit card

This is my second complaint against Avant and involves the same issue. My complaint was settled as XX/XX/XXXX, and had a balance of XXXX XXXXXXXX- I received a statement saying that I still owe them {$760.00} Previously Avant said that due to a system processing issue and when I paid the settlement, Avants system erroneously activated a previously offered payment modification plan that's why a received a billing statement. 

I take this as harassment on Avants part, this is disturbing since this time is not a system processing issue. After calling Avant 3 times this and explaining the issue I was left on hold the 3 times and after waiting almost 45 minutes on hold no one came back to the phone. I received the following email from Avant today XX/XX/XXXXXXXX  and its reads as follows : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dear XXXX, Your AvantCard Modification Payment Plan has been terminated due to one of the following reasons : Your lock-in payment was not received by the due date or has returned A payment made prior to plan enrollment has returned A request to terminate your plan was submitted A past transaction posted to your account We received notice you have filed for bankruptcy Going forward, unless you have filed for bankruptcy : Your minimum payment due will be calculated in accordance with the method described in your Cardmember Agreement Your account will accrue interest Your account will receive late fees for any delinquency you incur Your account will receive annual fees Any missed minimum payments will increment your account 's delinquency and collections activity will resume Although this plan is terminated, your account may still be eligible for other plans. Please call us at XXXX to check your eligibility. Approval for future plans is contingent on the conditions of your account and is not guaranteed. 

Thank you for being an Avant customer. 

Regards, The Avant Team -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I no longer have time or energy to deal with Avant human errors. I understand that we don't live in a perfect world, but this is now plain harassment on their part and there will be some consequences for the constantly mistakes on their part. 

I am asking to stop the letters, statements, emails as it's only a great fiasco. I have never been treated so shabbily by any institution. 
There will be a monetary consequence if this human error is not corrected in less than 15 days. A fee, charge against Avant for the amount of {$2500.00} due immediately. 

I am a XXXXXXXX XXXX and the harassment from Avant is causing distress, XXXX XXXX XXXX. I am now filing a complaint once more with the search for legal action and will request to double the monetary consequence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from Experian. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, date reported, date last active, closed date, and date of last payment is NOT 100 % accurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX XXXX XXXXXXXX XXXX Account No - XXXX 1. Amount Owed {$1000.00} 2. Placed in Collections XX/XX/XXXX 3. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted.

In Accordance with the Fair Credit Report Act this company violated my rights.

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account.

Thanks 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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX ============================ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Experian XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX ===================================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.