23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I mailed a letter to XXXX XXXX XXXX XXXX on XX/XX/XXXX stating. 
Per the FCRA as a federally protected customer. I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal nonverbal as per 15 USC 6802. This is effective immediately and indefinitely. Also the account mentioned above that you are trying to collect on has been charged off and according to the Internal revenue service, charge offs is considered a certificate of indebtedness which means it is now income. Income is not to be reported on a credit report please remove. You are in violation of my privacy right under the Privacy Act of 1974. XXXX XXXX XXXX XXXX you are committing security fraud PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934.

They have not received any correspondence from them
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a charge on my credit card Citi card account for {$700.00} from a vendor that Ive purchased from many times. The sale date on this was XX/XX/XXXX and it was posted to the account on XX/XX/XXXX. I spoke with the vendor and they didnt have any documentation or recollection of new charges. I notified citi card services and they told me that it would be resolved in 2-3 weeks. Nothing happened, I have called them once a month approximately since I noticed the charge initially and they keep getting more info from me and telling me it will be credited back to account within 2-3 weeks. This has repeated for 1 year now, I dont believe they have any intent to resolve this issue and since the vendor has not done this charge and hasnt received this money citi is holding it.
Product: Vehicle loan or lease

Purchased a vehicle from XXXX XXXX in XXXX, New mexico. First time car buyer doing things on my own, they offered to get me in the car for XXXX down and claimed it came with a warranty. Turns out there was no warranty and they instead sold me gap insurance. They then told me after the 500 mile/15 day warranty that I was gon na get a call from the bank and that I had to say that I paid XXXX down and made more then I did or my car would get repossessed and i would get in trouble for committing fraud on my application after they changed the numbers. The car blew up less then 5000 miles later and I am stuck with 5000+ in repairs and a interest rate that is 6 % higher then they originally told me. The bank said they would delay my payment til the XXXX and I got a email today saying I'm 20 days delinquent and that I have not responded to their requests to reach me when I called them on 3 or more occasions. I was told to email them the vehicle diagnosis to be told they never received anything after 3 times of sending it. Im about to hit the 30 day late and don't want to get a repossession on my record when I was scammed into the car.
Product: Student loan

I am the co-signer of a parent-plus student loan. My son has yet to start repayment because he has been in and out of employment. We have both contacted Navient to discuss a solution and each time have been steered toward Forebearance. I understand that is a more expensive way of repayment and now the original amount of the loan has increased substantially. I am looking to you to determine how this can be rectified and the how I become a part of the lawsuit against Navient. School attended was XXXX XXXX of XXXX
Product: Vehicle loan or lease

I recently appplied for a loan  with Credit Acceptance i n  XXXX . In  XXXX  I was admitted into he hospital for 2 months and fell behind on my payments. Consequently, I the collection calls started coming in.     I recieved a call fr om Credit Acceptance in  the month of  XXXX  and was told that a full payment of {$280.00} was due today to avoid repossession. Once payment was made over the phone, the associate would then contact the towing company and tell them to cancel the repossession process. The payment was made and the account was settled I called again in  XXXX  to make arrangements w ith Credit Acceptance so that I could build a rapport with them. I al so inquired with the associate what their policy and time frames were on repossessing vehicles and told about the situation that happened in  XXXX . She informed that the associate had no right telling me that my car is was about to get repossed without an immediate payment and she then apologized on behalf of the company. Naturally I felt confused and lost peace of mind with  Credit Acceptance.      It is now  XXXX  and I fulfilled my arrangement of {$100.00} to keep the account satisfied. They called again today  XXXX / XXXX /   2017 a nd I spoke with an associate to make further arrangements. I told what I could afford and when the payment would be made. She did n't accept my offer and when I tried to explain to her my hardship situation she not only interrupted me several times but was condescending and threatening. She then further threatened to notate my account and said I was being " uncooperative ''.     I understand th at Credit Acceptance h as a job to do it collecting payments. But I do not have any peace of mind with this company. They are very aggressive with their collection calls and ask me inappropriates questions like " in order to make payments can you ask your parents for help? Or can you ask your relatives for help? '' These questions make me feel uncomfortable.     I also need them to give me a clear understanding of what their policy is on repossessing vehicles. I was told that as long as I make arrangements with them I can avoid that consequence but each time I speak with this bank I get different answers. As a result I wake up every day  XXXX  wondering if my car will be gone or not.
Product: Money transfers

I am a XXXX citizen. 
I do have a fund of XXXX with the CITI-Bank. 
Because of the new XXXX rules the bank asked me for the transaction of this amount to pay XXXX .I have payed this amount. 
The Bank asked me after this payment to pay another XXXX for the transaction. 
This procedure seems very strange to me. I have the suspicion of a fraudulent procedure
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and satisfactory validation has not been provided. I kindly seek your assistance in resolving this matter promptly and effectively.
Product: Credit reporting or other personal consumer reports

I've observed numerous deviations from mandatory reporting standards, leading me to question the accuracy and completeness of the data in my credit report. Consequently, I refute the allegations against me and challenge you to substantiate your authority to include this incomplete negative information on my credit report.

Pursuant to 15 U.S.C 1681e, consumer reporting agencies are obligated to employ reasonable procedures to ensure the maximum possible accuracy of information in consumer reports. Additionally, as outlined in 12 CFR Part 1022 ( Regulation V ), furnishers are required to provide information that is both integral and accurate, conduct reasonable investigations of consumer disputes, and adhere to Metro 2 compliance standards, according to the XXXX. 

Deviation from these standards, as emphasized in the XXXX, jeopardizes the integrity of the data, thereby compromising the accuracy of federally regulated reports. Consequently, I am exercising my rights to challenge these inaccuracies and non-compliant items. Disregarding my demand would signify a lack of concern for my consumer rights. 

It is unjust for you to report information that hasn't been verified for ethical standards and certified reporting compliance. I reiterate my challenge to these claims and request evidence of adherence to proper reporting standards. 

Your actions infringe upon my rights, and I've outlined these concerns in this document. The incomplete and non-compliant nature of your reporting fails to meet my standards in accordance with the law. I insist that you certify all aspects of required XXXX XXXX XXXX truthfully, correctly, and in a timely manner. Failure to do so may compel me to escalate these matters to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my Attorney General. 

XXXX XXXX XXXX  {$430.00} XXXX XXXX-Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Collection {$430.00} XXXX XXXX XXXX | XX/XX/2022
Product: Debt collection

Portfolio Recovery Associates : XXXX XXXX XXXX. 

Original Creditor : XXXX XXXX  no official notarized paper trail of account ownership offered by Portfolio, just the typical 1 liner of : " The original amount of this account was {$1400.00} '' as their sole means in which to claim ownership of account. 

What date was the last purchase or payment - the official time to mark the clock for 7 years? Not offered by Portfolio.
Product: Debt collection

I called the company and all they said to do was to start a complaint online on this website. I also called the debt collector company as well.
Product: Credit reporting or other personal consumer reports

This complaint is being filed against the furnishers of information and all three Credit Reporting Agencies ( XXXX, Equifax and XXXX ) for violating my privacy by reporting accounts on my consumer report without my verbal or written consent as it is required by law. Furnishers of information ( the financial institutions ) as defined in 15 USC 6801 do not have my consent to report my non-public private information. Although the credit reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartially, and a respect for the consumers right to privacy as stated under 15 Usc 1681. The Privacy Act of 1974 prohibits the disclosure of records about an individual from a system of records absent the written consent of the individual. Pursuant to 15 USC 1681a ( 2 ) ( i ) Exclusions it states a consumer report does not include a report containing information solely as to transactions or experiences between the consumer and the person making the report. So the reporting of my nonpublic personal information like my credit utilization is a clear violation of my federally protected consumer rights. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. As it relates to 1681 ( b ) Permissible Purpose and 1681 ( c ) XXXX, Equifax and XXXX are all violating compliance procedures under this title. I reserve the right to disclose my nonpublic personal information to all non affiliated third parties. The reporting of the timing of payments and the credit utilization are not to be reported on my consumer report. My report should only contain one name and one address because I have one primary address all others are non mailable addresses. Im expecting that these demands be reflected on my consumer report immediately as permitted under 12 CFR 1016.7. It is my request that the furnishers of information provide documentary evidence of me giving them written consent to share my nonpublic private information with anyone in the form of a SSA-89 and or form SSA-3288.
Product: Debt collection

Please see attached. 

I was first contacted in relation to an alleged debt owed for medical services by  a collection agency named First Federal Credit Control , Inc. on XX/XX/XXXX After disputing the validity and requesting validation of the alleged debt, First Federal Credit Control , Inc. provided me an incomplete invoice. ( two pages of a 32 page document i.e Page 1 and Page 3 ). During the period I had disputed the validity of the Debt, First Federal Credit Control , Inc. published a derogatory collection account on my credit report. Thus causing my credit score to drop. I sent a 2nd request to the collection company indicating that they had violated my rights under the Fair Debt Collection Practices Act, and demanded the the negative report to my credit report be removed and that they provide me with the account validation I had originally requested. To date, I have received nothing and the derogatory remark remains on my credit report. 

Then onXX/XX/XXXX, I receive a NEW collection letter dated XX/XX/XXXXfrom what appears to be a second attempt at collecting this alleged debt, this time from an attorney acting as a debt collector. 

I am being harassed for payment of a medical bill that neither the doctor 's office can not validate, nor the original collection agency, because the bill was paid by my two ( 2 ) medical insurance providers previously.
Product: Payday loan

A best-friend 's ex-boyfriend who stole her identity and credit, etc got a hold of my information and applied for a live check, but it was sent to me. I know they spoke to someone directly stating they were me, when they were not because XXXX of the correspondences from the credit company stated that " we spoke about certain personal property and items that i would give to them as a result of non-payment. Last night apparently a lady who was employed with the company came to my residence again, except my roommate happen to be there, and said this crazy lady was banging on the door for XXXX minutes, screaming my name saying " I know you 're in there, and you 're in trouble. '' Then she apparently went right to my window and began banging on it. At that point my roommate was a little scared. So the lady proceeded to then get in her car and hold her horn down followed by repetitive honking for another XXXX minutes. My roommate was sick and did n't know who this lady was, but she finally got to the point of infuriated, and got up opened the door, and described the lady ( who thought my roommate was me ) approached her and came up on her like she was about to do something. She said the lady was rude and threatening to call the cops and locksmith to see if I was inside home. XXXX or Credit Central needs to know the Fair Debt Collections Act before pulling another stunt like this. Also, calling my place of employment occurred as well.
Product: Credit reporting or other personal consumer reports

This is my third endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am writing to address a pressing issue regarding an unresolved refund. On XX/XX/year>, Wise US was expected to transfer USD XXXX to my XXXX bank ( XXXX XXXX XXXX XXXX ) account as a refund. However, I have yet to receive the funds as of today 's date. 

Despite my repeated attempts to follow up on this matter through various channels, including multiple inquiries to your customer support team, the refund has not been processed nor have I received any satisfactory explanation for the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

during the pandemic, i fell behind on several car payments but eventually i paid them. this was due to a reduction in hours plus my wife losing her job so i had to compensate for other expenses that my wife used to cover before unemployment. i understand there were programs that benefit and protect people against late payment remarks on their credit score however i was never offered any, i even paid off the car loan in full way before the estimated 6 year financed loan and they denied me goodwill letters several times nor were they willing to correct a few lat payments with me paying off the full balance ahead of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Exoperian and XXXX credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a fraudulent account and fraudulent inquiries, these are affecting me please delete them
Product: Checking or savings account

Opened my checking account at Huntington bank with a {$200.00} incentive bonus on XX/XX/19. Requirements are deposit XXXX within 30 days set up direct deposit and keep the account open for 90 days. All the above requirements have been met. Called on XX/XX/19 and the representative told me the money will be deposited in a day. Still no {$200.00}
Product: Credit reporting or other personal consumer reports

I have complained twice that the inquiry wasnt mines and they sent a response in XXXX and XXXX that they would remove from my credit reports and they havent
Product: Debt collection

Collection account from FROST ARNETT with a balance of {$2700.00}. The original creditor is XXXX XXXX 
I have not given permission to access my credit profile, and you have no permissible purpose to furnish my personal information to any third party. 
15USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORT 1. In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

As a consumer, I am demanding a deletion of the following account frost arnett
Product: Mortgage

I received notice from Navy Federal Credit Union that my mortgage payments were increasing due to an increase in homeowners insurance, real property taxes, and a shortage in escrow. However, when I requested and received the escrow analysis, the homeowners insurance amount was incorrect, and the analysis did not appear to be in compliance with the relevant regulations. I spoke to Navy Federal twice but was not able to resolve the issue. I'd like for Navy Federal Credit Union to conduct a formal review of the escrow analysis and provide more detail as to how they arrived at the new monthly escrow amount. I'd like to know exactly which month ( s ) fell short, when the increase in the homeowners insurance occurred, and an itemization of how the escrow shortage was calculated. I'd also like to have the homeowners insurance amount corrected, and the escrow increase adjusted to comply with the regulations.
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 USC 1681. 

XXXX XXXXXXXX XXXX  XXXX # XXXX ACCOUNT has violated my rights. 
XXXX XXXXY XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
ACCOUNT # XXXX has violated my rights. 
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 an account without my written instructions I DD NOT GIVE WRITTEN INSTRUCTION 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

The physical description of the person they delivered the summons to for XXXX XXXX and XXXX XXXX doesn't even match mine. These guys are collecting on straw man accounts. They haven't been able to provide a single signature on the accounts in question. To me, the copies of the bills are fake, the letter stating I was being informed that my information was being sold to XXXX XXXX and XXXX is made up, nobody can provide me with delivery confirmation receipts or certified mail receipt. Aren't even able to provide copies of payments they claim were made to the account. Where are copies of canceled checks or bank account numbers associated with payment? These guys steal money from people without any proof. I was able to create/duplicate these bills very easily with software. I think that's all they did and now they're just hoping people fall for their scam. 

Why does your website look like a XXXX XXXX XXXX put it together? You guys steal enough money that you should try hiring a decent web designer so, maybe people don't question your legitimacy. These guys are nothing buy thieves. 

I don't know who the blonde with perfect eye sight was that you gave the summons ' to but, it most definitely wasn't me. 

XXXX also is now illegally reporting my address to someplace in New Jersey and XXXX XXXX and Johnson Mark are now sending collection notices to my attorney 's personal residence. They don't even have my address because I'm afraid they will continue harassing me on these bogus debts. 

I have had to move as a result of their clients illegally sharing my address with people. 

XXXX XXXX  actually just freely handed out my attorneys address before I even mentioned anything about an address. This is why nobody has my actual physical address and nobody will. This is also how identity theft happens. These are accounts are all a result of identity theft and after dealing with these scam companies, I now understand why identity theft is so rampant. They just freely give out PII without any verification.