23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, around XXXX, my husband and I were traveling on XXXX XXXX XXXX in XXXX , when I stopped to turn left. Moments later, we were rear ended by a huge RV whose driver was on his cell phone as noted in the police report. In just a few weeks, bills from the hospital were placed on my credit report. However, due to problems with the at-fault drivers insurance, we had hired an attorney. I contacted my attorney immediately, and he apprised the hospital and other parties involved that this was an illegal report ; the bills were removed. About a year later now, around the second week in XXXX XXXX, I noticed bills from the rear-end wreck on XXXX, XXXX, XXXX, had been placed back on my credit report. AMERICOLLECT INC is the reporting agency for the XXXX XXXX in XXXX where we were taken by ambulance after being rear ended. The XXXX XXXX   is part of the XXXX XXXX XXXX XXXX in XXXX, XXXX . The amounts reported are all from XXXX XXXX XXXX ; the amounts are {$180.00}, {$210.00}, and {$150.00} and reported by AMERICOLLECT INC. My attorney has already informed these hospitals that this is an illegal report ; and, that my husband is still receiving treatment from his injuries. My husband just had XXXX and is still under a doctors care. Regardless, these medical bills were put back on my credit report just recently from the XX/XX/XXXX, wreck even with the hospitals knowing about the litigation and even after receiving information from my attorney that placing these medical debts on my credit report was illegal. The hospitals will give no response, and even put debts that I am not responsible for on my credit report despite my attorney apprising them of the situation.
Product: Payday loan, title loan, or personal loan

Got a small loan through XXXX XXXX and lost my job they did n't work with me took me to court I tried paying it and just could n't make the payments they want i got a new job and they keep calling my work place even after I have ask them to stop now I am about to lose my new job.
Product: Credit reporting

The payment amount reporting for the amphibious base was incorrect it 's my account, XXXX removed it and I want it put back on my report. The account number is # XXXX # then they are reporting the account with XXXX XXXX XXXX as a charge off and it has been paid of since XXXX 2014 they sent the update to XXXX.that account number is # XXXX. Then I have XXXX accounts that were included in my bankruptcy that they are reporting 1. XXXX XXXX acct # XXXX 2. XXXX XXXX XXXX acct # XXXX 3. XXXX acct # XXXX all XXXX of these accts were discharged XX/XX/2014 with my bankruptcy. I would like for XXXX to correct this accuracy because it 's hurting my credit.
Product: Credit reporting or other personal consumer reports

This is my several 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX Balance : {$1500.00}, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX Balance : {$2000.00}, XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$79.00} XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX Balance : {$1500.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/XXXX, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00}
Product: Consumer Loan

Capital One Auto Finance is reporting a repossession on my credit report that is inaccurate, false, and a violation of the Fair Credit Reporting Act. I have sent multiple disputes in to dispute the entire account to insure proper information is being reported. I have a feeling that some of the information is being listed incorrectly. 

1. The balance of {$8800.00} is not accurate. 
2. The date of last status XXXX is not accurate. 
3. The charge off amount of {$10000.00} is not accurate. 
4. The account history of is not accurate. They are reporting - Repossession as of XXXX XXXX ; Charge Off as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX to XXXX XXXX, XXXX XXXX ; 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXXTherefore, this information is not accurate and until they can prove it, then it is also a violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

My account with Equifax 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 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. 


Equifax 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: Money transfer, virtual currency, or money service

On XX/XX/13 I contacted a supposed golden doodle dog breeder that had both an XXXX and XXXX page. I inquired about a puppy and they told me they had some. They asked for XXXX but to send a XXXX dollar deposit. They asked me questions and had me fill out questions about myself ( my address, phone, email, etc ). They asked me to send the deposit via PayPal as friends and families because that way I paid the fee and not them. I was told they would meet me in XXXX Ohio with my new pup. I sent the money through PayPal and I quickly learned after that I was scammed. There are no puppies. The sites are fake. The address they gave me is a home that belongs to a woman in Oklahoma who has filed numverous complaints because ppl keep showing up at her house demanding dogs. I have proof of all of this. I reported it to the FTC. PayPal refuses to refund me. They sent me a message to get the money from XXXX  XXXX XXXX my bank. XXXX  XXXX XXXX denied my claim because they said to take it up with PayPal. PayPal refuses to protect me. They say I sent it to a friend or family .... I absolutely did not. 
The fake breeder is under XXXX on XXXX and under XXXX XXXX XXXX on XXXX. They took XXXX dollars from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has recently added a collection account to my credit report. After finding out about this account I reached out to XXXX and was informed this was a delinquent account attached to a business. When asked how much was the debt amount they told me they were not sure, but on my credit report it stated {$130.00}. I then asked what did they need from me to show I was not responsible for this debt and it was not mine, they stated they would call me back. I called the next day and at this point I was told the debt was actually $ XXXX and it was based on charge backs from a contracting business. At this point I again asked them what they need to prove this was not my debt, they stated they would not accept anything other than payment or payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX # XXXX, XXXX Account XXXX XXXX, XXXX / XXXX Account # XXXX, XXXXXXXX XXXX XXXX XXXX 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: Student loan

The problem that Im having is that I tried refinancing my student loan back in XXXX and I did everything in my power to sign whatever paper work I had to. I was told not to make a payment and I would be fine, the worker at XXXX XXXX went ahead and made the mistake of not putting the paper work through. So now it looks like Im late on my payments because of XXXX XXXX mishap. Ive did what I could and have gotten absolutely nowhere I just want some kind of resolution at this point. 
Also when I looked at my account it said that everything was XXXX and I was told that it was written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was reviewing my credit report and noticed 3 companies that i didnt authorize to obtain a copy of my credit report one had run my credit 5 times in one year and the other 2 had ran it twice the same year all that i didnt authorize so when i called trans union to discuss the matter the operator was very rude and didnt really seem to be listening to my problem nor cared just kept saying oh i understand & oh Im so sorry like lady please stop saying that your not sorry because your not trying to assist me with the matter as to why i called. When i asked her to send me verification of the inquiries and an update of report the operator kept going around what i was asking her to do and kept saying i have to contact the company that requested the copy of my file but when i stated that I had already done so and they said i have to contact the credit bureaus. It was my understanding thats its trans unions job to report accurate and updated information and i have a right to request documentation that the inquiries are accurate. Once i stated i did contact the company that had requested a copy of my file we would then again run in circles with the conversation. As i was talking she kept putting me on mute for long periods of time after id get done speaking Id say so i was put on mute once again? Shed take moments to respond then say oh no we sat on the phone for 22 minutes and got nothing solved or accomplished she just kept running me in circles. Terrible customer service. I want help!!
Product: Credit card or prepaid card

I opened a business gold credit card through American Express in the name of our business, XXXX XXXX XXXX. My husband is the primary for the businesses and all our banking so I listed him as the primary cardholder. We hold everything separately - house, bank accounts ( except one ), utilities, etc. I then ordered another card for me under the same account. I handle the book keeping and purchasing for everything, whether it is in my name or not. One day, I couldn't use my card. I called and found out that they had frozen our account and the reason I was given was that it was because I use my card more than my husband does. That is true. I explained our arrangement. The man said that I should use my husband 's card for purchases, which seems odd to me. I reminded him that I have paid off our balance every month. He said the only way to prevent it from being canceled was to fax them a bunch of financial information - all the same things that we had sent in when applying for the cards. So I told him that we had sent all that and he said we had to do it again and they " might '' let us keep our cards. I didn't send it. I don't want to do business with someone who treats customers that way. Then, they started calling to see when we were going to pay off the last charge, but they wouldn't speak to me - even though my husband had told them to because I handle all that. But they would still call every day and then not speak to me. We didn't deserve what happened. I have closed other AmEx accounts we had. And the continuing harassment is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened a few investigations in negative credit reporting o f ninety d ays late. Response from loan servicer only responds stating " information reported was accurate, borrower did not request forbearance until  XXXX   XXXX ,   XXXX   ' This in absolutely NO WAY provides a response to the information presented. I understand that forbearance was not requested until  XXXX  because I had no clue that I was in repayment until  XXXX . The statements were being sent to the  XXXX  University email address that I no longer had access to. Not being properly notified of a statement, especially when the repayment first begins is a valid reason for correction with all   XXXX   credit bureaus.     I could not have put my account on e-statements because I just created an account with fedloanservicing. org in  XXXX . The issue is that if I had been made aware of the repayment start in a manner accessible to me, I would never have needed forbearance. Continuing to deny and stating the information is accurate is not providing a response to the issue that caused the problem and the agency refuses to correct their mistake.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX PARTIAL ACCOUNT XXXX FOR U {$10000.00} ON MY CREDIT REPORT # XXXX FOR XX/XX/year>, AND XXXXXXXX XXXX XXXX PARTIAL ACCOUNT XXXX FOR U {$200.00} ON MY CREDIT REPORT # XXXX FOR XX/XX/year>, I DID CALL THEM AT XXXXXXXX XXXX  ON XX/XX/year> AND CUSTOMER SERVICE AGENT NAMED XXXX ID # XXXX DID CONFIRM ME OVER THE PHONE THAT I DO NOT HAVE ANY ACCOUNT WITH XXXX XXXX  THIS IS NOT WHAT IS SAYING IN MY CREDIT REPORT AS EXPERIAN SAID. PLEASE TAKE ACTION AND REMOVE THIS ACCOUNTS FROM MY CREDIT REPORT. I'VE BEEN VICTIM OF ID DEFT APARENTLY. UNDER FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Checking or savings account

On XX/XX/XXXX my checking acct was charged {$6.00} and XXXX for XXXX XXXX  samples and capsules  with " free shipping '' by XXXX. I called up merchant at XXXX for XX/XX/XXXX unauthorized charges of {$99.00} and XXXX for a " subscription '' i never ordered nor received which they confirmed by XX/XX/XXXX emails to me with cancellation XXXX and XXXX saying " ... subscription status ... updated and any ongoing or all future charges have been cancelled... ''. I faxed, mailed back Citibank dispute forms from XXXX, emailed XXXX and forwarded merchants ' cancellation emails from XXXX and calling up merchant several times at XXXX. On XXXX Citibank charges me {$34.00} for overdraft from their inaction on my disputes and XXXX emails me that no refund comes from them as i've disputed unauthorized charges.
Product: Debt collection

I tried to call US Asset Management and was unable to verify this so-called debt. I received THREE notices at the same address within the past week, one that I've never lived at. This is where my parents live! This is definitely a scam, as I've paid XXXX on time for years and years. Do not fall for this one. They claim I owe {$48.00} and give me all these account numbers and information, but I looked online and see there are others receiving this kind of notice for varying amounts.
Product: Credit reporting or other personal consumer reports

I called upgrade and tried to make a full payment and the lady refused to take my payment over the phone, I told her I couldn't log in online, she said wait XXXX hrs and try again to change the phone number for the XXXX factor authentication, so, I wait, and tried and the same old phone was still on there. I go to work then look at my score and it has a late payment other from upgrade. I called them agin XXXX times and paid the bill in full, they suddenly would take my payment over the phone, I talked to the supervisor XXXX and he assured me the late payment would be taken off the next day on XX/XX/year>, they never did it the first call. Second call was to get an e-mail stating that the account is paid off, and to ask about the late mark removal. No e-mail. Third time trying to get the e-mail, and late mark off said they sent it will send again, and contact the reporting agency to remove the negative remark,. No e-mail, no removal. I've done everything on my end they will not do what they say.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some unfamiliar accounts, that I didn't authorize. The accounts are, the following ; THE XXXX XXXX XXXX XXXX, RADIUS GLOBAL SOLUTIONS LLC XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently spoke with XXXX 's Special Handling Department and inquired about whether the reporting creditor had provided them with proof of ownership in regards to a dispute involving a business account that's being reported on my personal credit profile, despite my lack of responsibility for it, as well as a collection account that I have no knowledge of and have never had an account with that creditor at that address. To my surprise, I was informed that they do not typically request documentation for validation ; instead, they rely solely on a response from the creditor, deeming it valid. I then raised the crucial question : How does this process guarantee the accuracy of the reported account information? 

In response, I was simply informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, XXXX would continue reporting the inaccurate information. I emphasized that I had already included a letter from the creditor validating the inaccuracy of the information. 

In light of this, they mentioned reopening the request, but cautioned that if the creditor once again responds with a validation, XXXX would continue to report what the creditor wishes, leaving me with no recourse but to contact the creditor directly to dispute the information.
Product: Student loan

I call then XXXX XXXX in 2013, after losing my job, to get a loan forbearance or something to postpone payments until I was able to get a job and get back on my feet. I was told by the representative that I had negative income and they could not help me. I luckily found a job a few weeks later, but I am not cut 20 % of my pay do to the current XXXX. I talked to now Navient last night about my current situation and they tell me I have enough disposable income to make their payments. So she told me that there was nothing they could do to help me. They would not listen to the medical bills I have accrued within the last year that I have to pay, but they are not a monthly expense, so they would not take it. I am currently two months behind on my vehicle note and one month behind on my mortgage. I am consistently behind on something every month so that I can try to catch up another. I can not ever get any help from these people. They always put it on my co-signer, who makes substantially less than I do. She used to help out when her husband worked XXXX, but now they both make just over mininum wage with their own bills to pay. My total bill keeps growing. Originally I owed {$21000.00}, now that has grown to {$32000.00}, with no end in site. I also have a recent federal consolidation loan through Navient ( $ XXXX ). And a prior student loan that I am paying to a collection agency for a company that went bankrupt called XXXX XXXX XXXX ( $ XXXX ).
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 XXXX XXXX, Original Creditor : XXXX XXXX XXXX XXXX amount {$260.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX amount {$340.00}. 
XXXX XXXX XXXX, XXXX XXXX : XXXX amount {$170.00}. 
XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX XXXX XXXX {$2500.00}. 
XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX {$170.00}. 
XXXX XXXX XXXX amount {$4000.00}. 
XXXX XXXX XXXX amount {$8900.00}. 
XXXX XXXX XXXX amount {$3000.00}. 
XXXX XXXX XXXX amount {$4200.00}. 
XXXX XXXX XXXX amount {$1700.00}. 
XXXX  amount {$100.00}. 
XXXX XXXX XXXX amount {$300.00} XXXX XXXX XXXX, Original Creditor : XXXX XXXX XXXX  amount {$510.00}. 
XXXX  XXXX amount {$670.00}. 
XXXX XXXX XXXX amount {$400.00}. 
XXXX XXXX XXXX amount {$290.00}. 
XXXX amount {$100.00}. 
15 U.S.C1681 section 602A. States I have the right to privacy.

15 U.S.C1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of conviction 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, credit repair services, or other personal consumer reports

This is an ongoing and continued fraud being carries out by XXXX, Equifax and XXXX. For seven year I have been reporting this fraudulent claim and for seven years they have been taking it off and Equifax has been putting it back on my credit report with a different collection agency. For seven years they provided no documentation and suddenly now have found fraudulent document, which does not even relate to their false claim ( see attached file ). 

My last request for this false claim to be removed from my Equifax credit resulted in a report from Equifax on XX/XX/2020 stating that they were no longer reporting the false claim. To this date they are still reporting this false claim and continue to carry out an attempt to extort money out of me. This is the same scam that the parking debtors were using to scam money out of people by making false claims of money owned in an effort to get people to pay rather then fight the false accusation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX just got a background check from Checkr Background Service on me. On page 3, in my motor vehicle report under Suspensions, there is an incorrect XXXX. Serious Commercial Disqualification item dated XX/XX/XXXX ; 2018 : listed from XX/XX/2018 through XX/XX/2018. This information is incorrect and Im requesting it be removed from my record. My phone number is XXXX. Thanks, XXXX XXXX.