23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NATIONAL CREDIT SYSTEMS Account # XXXX Amount owed- {$2600.00} NATIONAL CREDIT SYSTEMS Account # XXXX Amount owed- {$1800.00} XXXX XXXX XXXX Account # XXXX Amount owed- {$720.00} XXXX COLLECTION SERVIC Account # XXXX Amount owed- {$340.00} XXXX XXXX Account # XXXX Amount owed- {$410.00} XXXX XXXX # XXXX Amount owed- {$530.00} XXXX XXXX XXXX Account # XXXX Amount owed- {$680.00} XXXX XXXX XXXXXXXX XXXX Account # XXXX Amount owed- {$1500.00} I have never owned this account, and it is linked to an address where I have never resided. I was a minor when these accounts were established. I attempted to reach out to customer support, but they were completely unhelpful.
Product: Debt collection

Financial Credit Network constant calls from them. This are XXXX bill all in different amounts totaling {$5000.00}. I unfortunately have no means of paying this and they continue to call and harass leave messages and call at all times of day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be updated. 

1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine. 
XXXX Account XXXX : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.

3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 

4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. 
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Product: Debt collection

I spoke with IQ Data Solutions to try and resolve an incorrect debt.

I have been transferred to a woman name " XXXX or XXXX '' quite a few times who has been nothing but belligerent and overwhelmingly aggressive in all our phone conversations. She mentioned that I am a liar about them yelling at my under aged child. My daughter answered my phone prior and someone yelled at her and thought she was me just because she doesnt have a child like voice. They have done this several times as my daughter sounds a lot older than she is. 

I have been called out of my name and everything under the sun but a child of XXXX. They have contacted my husbands cell phone at XXXX and XXXX XXXX  which is illegal. My husband and I are at a crossroads and trying to get this debt settled and removed from our credit reports, but this company is relentless with the belittling tactics. This company is extremely abusive, aggressive, and unprofessional. We can not continue trying to contact them and deal with them when they treat us less than human. 

I spoke with the XXXX XXXX XXXXXXXX manager, XXXX and she mentioned that there is nothing they can do because the debt was sold. She said I can try and contact Corporate, XXXX who doesn't answer my emails. There has to be another way to resolve this as I can not contact a company where employees call me derogatory names.
Product: Debt collection

XXXX still has the debt on my account from Southwest credit systems in the amount of {$3900.00}. I have already settled this debt with them in the amount {$2700.00}. I have the letters from Southwest credit systems for deletion and that the account has been satisfied in the agreed amount on XX/XX/year>. I received another letter from Southwest credit systems on XX/XX/year> showing that they have requested for deletion from all credit bureaus. My issue is that XXXX still has this account on my record. I am requesting that XXXX remove this account immediately from my report.
Product: Credit card or prepaid card

Synchrony credit card through banana republic. I am current on all debt. Last summer my wife and i are heading home from XXXX XXXX CA and head through XXXX XXXX I have receipt ) and I get cell reception and pop up comes an email about something I ordered? I was confused and could not do much at the time but it freaks you out when you see something that clearly is not right. I could see a large purchase for an android or XXXX smart watch like {$200.00}. BTW I own an XXXX  and wife does. We get back to our home in XXXX XXXX CA and sure enough when I got on my computer I could see this order from Walmart. Ok I did not order this. I called Walmart at first and tried to figure out what was going on and after many failed calls I finally got through to someone and we talked but I remember we went around and around and finally they said well it looks like you used your credit card so maybe the credit card company needed to handle this. I then call them and explain. I wrote to them and explained. They did an investigation and said yes I had been hacked but since I had the product ( for what ever reason they ( hacker thief? ) sent it to my house? ) they want me to " cooperate '' and send it back. I said no problem send me a label and I will put it in a box and put it on my porch. I was told they can not do anything and continually told me to " cooperate '' I said no problem but I will not incur a cost for shipping. I am already agreeing to wasting my life packing this thing up and sending off I will not spend money over getting hacked. This went back and forth for months. I sent in-mail through the synchrony website and had phone calls. They expressed they did an investigation and found fraud but since I had the product they wanted me to cooperate by contacting Walmart and sending it back. Walmart wanted me to pay for shipping and would not understanding the situation. Here I am with a {$200.00} watch I did not order and it is completely useless to me. I am willing to cooperate but I will not pay for anything. I think it is more than reasonable and cooperative to offer to spend my time packaging and dropping off the package in the first place. Oh Ya so they refunded the money at first then charged me for it after the disputed yes it was fraud but no they want their money. Bottom line I did not order it ( I was told it clearly was fraud, and I am still being charged. Synchrony was less than helpful and very hard to get communication from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. TRANSUNION is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : 1 have the right to privacy and I did not give TRANSUNION written permission to furnish these accounts listed below. 

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

In accordance with the Fair Credit Reporting Act ; XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have rights 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 or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items XXXX not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I was harmed by XXXX XXXX illegal debt collection practices, violating the law through intimidation, deception, and illegal debt collection tactics and lawsuits, and misrepresented that the company Barclay Credit card company had legally enforceable claims to debts outside of the applicable statutes of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of ID theft. I need the reporting agencies to remove the information from my reports.
Product: Debt collection

On XX/XX/XXXX, I wrote a letter to XXXX XXXX to accurately verify the debt.I asked for the following to be provided within 30 days : * Current Balance *Date debt was transferred from original creditor *The current balance of the what the debt was bought for *Copy of contract I signed with the 3rd party *Any fee 's added by the agency Sec.392.303 ( a ) ( 2 ) *Texas Surety Bond informtion as required by Sec.392.101 I have allowed 30 days for this to be completed and there has not been a response from the debt collector. There is proof the agency received the letter on XX/XX/XXXX.
Product: Debt collection

Creditor name credit collection service it has no contact information or nothing it should not be on my credit report and I don't owe anything this should be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Balance updated XX/XX/XXXX, Date opened XX/XX/XXXX, {$14000.00} - CHILD SUPPORT XXXX XXXX DID NOT GET MY PERMISSION TO REPORT THIS ACCOUNT ON MY XXXX REPORT. I DID NOT GIVE WRITTEN CONSENT TO CHILD SUPPORT XXXX XXXX TO PUT THIS ACCOUNT ON MY CREDIT REPORT. CHILD SUPPORT XXXX XXXX DID NOT GET A COURT ORDER OR JUDGEMENT TO REPORT THIS TO EXPERIAN. CHILD SUPPORT MUST PROVIDE PROOF THAT I OR THE COURT GAVE THEM PERMISSION TO REPORT THIS ACCOUNT ON MY EXPERIAN CREDIT REPORT. I HAVE DISPUTE THIS INACCURATE ACCOUNT SEVERAL TIMES AND IT COMES BACK VERIFIED WITHOUT ANY PROOF! THIS IS A VIOLATION OF THE F.C.R.A. Under 15 u.s. code 1681 be permissible purposes of consumer reports. I never gave you any written consent to report anything on my XXXX XXXX no consent is identity theft. 

Under 15 USC 1681 i ( 7 ) method of verification this account is in violation it was reported without valid evidence Under 15 u.s. code 1681e ( b ) And 15 u.s. code 1681i ( 5 ) this account is in violation not reporting 100 % accurate it list of XXXX XXXX XXXX as the furniture that's forgery and misleading with the courts because the courts don't report this type of account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX : XXXX SSN : XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605b ( 15 U.S.C Section 1681c-2 ) that you, the reporting agency, block information appearing on my consumer credit report that is identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of XXXX XXXX Acct # XXXX with a balance of {$12000.00} XXXX XXXX Acct # XXXX with a balance of {$5600.00} XXXX XXXXXXXX XXXX XXXX Acct # XXXX with a balance of {$11000.00} XXXX XXXX  Acct # XXXX with a balance of {$730.00} XXXX XXXX XXXX Acct # XXXX with a balance of {$590.00} These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

everest receivable services located in NY. They are calling everyday and also calling family members and harassing them. They have no right to call family to locate someone and get personal information from them. They call and leave voicemails and I have called and told them that the address is verified. They are still constantly harassing every family member and leaving messages.
Product: Credit card or prepaid card

On  XXXX   XXXX    XXXX   I received a call from a number that my wireless company had flagged as a likely scam which concerned me. I answered the call anyway and the representative told me they were from  Comenity LLC bank and w as financier of my  XXXX  credit card. She told me my account was 2 months past due even though I remember signing up for automatic minimum payments from their website. I made a minimum payment and wanted again attempt to sign up for auto magic payments. Another representative instructed me it can take several days before I am allowed to set up automatic payments. It is my feeling that this company puts this process in to place in an attempt to not allow customers to register for automatic payments. Every account I have with other banks is set up this way and I have always been able to do this either over the phone or most often online with no issue.     As a result of this companies processes or limited abilities they have left a negative mark on my  credit score an d have charged me late fees that I would have otherwise not been charged.     They lure people to apply by offering rebates and discounts, but slcharge an enormous interest rate. This along with the previously mentioned concern is unfair and creates a cost to consumers that expands beyond the services they provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax needs to delete and remove the following fraudulent accounts immediately from my credit report. Equifax has violated my rights as a consumer. I will be taken legal actions against Equifax if these accounts are not deleted within four days : 1.  XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX
Product: Debt collection

Please tell me how you did that. Who did you talk to at the original credit grantor? Did you write them? Was a XXXX form used or was this through electronic automatic dispute verification? Did you contact them at the same address/phone number listed on my report? The FCRA says that you have to tell me this in 15 days if I ask. XXXX provide the generic response of how you use various methods. Tell me exactly how you verified them and include the full name of the person you spoke with. 

Also, what is the date of the commencement of delinquency? The original creditor is required to give that to you. So when is that? And when will this trade-line be past the reporting timeframe? XXXX provide the generic XXXX response ; I am aware of that. Tell me specifically when these accounts allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being including in bankruptcy. So, which is it? 

Portfolio Recovery Associates- Account # XXXX
Product: Debt collection

XX/XX/year> I received an alert for a new collection from Iq data. I am not familiar with this company. I have written them requesting proof of debt. I did not receive a debt validation notice. My contact with them they state this is for an apartment. I am a home owner and I have not rented in XXXX I. Am requesting this be immediately removed from all bureaus and a copy of all contracts etc so I can file police report. At this time I have nothing but an inaccuracy on my credit reports and Im not getting responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Toyota reported I made my XX/XX/2022 lease payment late, when I did not. 

The problem began when I paid my lease payment of {$300.00} on XXXX XXXX and partial payment was applied to my property tax due in the amount of {$91.00} and the rest was processed towards my payment in the amount of {$200.00}. 

Toyotas system applied my payment incorrectly and I have had this issue many times in the past with them. Because this payment was not processed correctly it effected all my upcoming payments made. Toyota needs to fix the way their system processes payments. I have had to call Toyota almost every month to fix this. This XXXX payment I did not follow up on and since I didn't call Toyota never fixed it. I shouldn't have to call each month to have my payment made correctly. 

I called Toyota to discuss their system issue and was told to process a dispute via my credit agency and they were unable to fix this on their end because it was a mobile payment that was made? 

I was also told in the past by Toyota that your payment should be processed before amounts are applied to your property tax, but this is not what is happening at all. 

Toyota refuses to fix this problem on my report when I was not in error but they were. I should not be penalized by this on my credit report when this is an issue within their system. 

If Toyota would take the time to look at my payment history they can see I make a {$300.00} every month on time. 

I processed a couple disputes with my credit agencies and all of them Toyota is saying there is not issue, when there is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Closed accounts that are on file are a result of identity theft I have reached out several times about these items that will be listed below. 

XXXX XXXX  Opened XX/XX/XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX XXXX  Opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Hello, The problem that I have is with Escrow Office : On XXXX XXXX, 2015 the funding was made and loan with Nationstar was paid off. 
All my accounts including Escrow Account must be closed onXXXX XXXX, 2015. I have the payoff statement with Escrow balance {$2000.00} and Disclosure Statement with balance of {$2100.00}. They show XXXX different balances. 
From XXXX XXXX, 2015, I do not have FHA loan anymore and consequently, I do n't have to pay MIP. 
Unfortunately, Escrow Office sent to me a Disclosure Statement written on XXXX/XXXX/2015 and transaction in it, made on XXXX/XXXX/2015. This is a violation of the Accounting Principles. They ca n't write a statement before the transaction is done. 
Also, the most importantly, they ca n't make any transactions after the account is closed. The statement that I provide shows that Escrow did bill me on XXXX XXXX, 2015 for the amount of {$250.00}. This is incorrect transaction because is made on closed account and that makes the entire Disclosure Statement incorrect. That is a shame. 
At first time when I called, I spoke with agent XXXX ( agent # : XXXX ). After she talked to Escrow Office, she told me that I am going to receive XXXX separate checks : XXXX for {$1800.00} and another XXXX for {$250.00}. On my question : " Why XXXX checks, it should be only XXXX check '', she said ; " I am not sure. " Until today, I got only a check for {$1800.00}. The second check is still missing. 

I called again and I spoke to agent XXXX. She said that they already sent the money to the Billing Department and I have to solve the problem on my own by calling XXXX. I told her that this is their mistake and they should fix it. 
I asked for the manager, she refused to give me the phone number. I asked for the address that I can write a letter, she refused to give me the address. Then she transferred my call to XXXX from Escrow Department. XXXX answered the phone : " Hello, this is XXXX may I help you? " I said : " Hi XXXX, this is XXXX XXXX and I want to talk to you about my Escrow balance and the check that I did not receive. 
XXXX repeated the same : '' Hello, this is XXXX may I help you? " Then I asked : " Do you hear me? " She said : " No, I do n't hear you. You need to call back. ", and she hung up the phone on me. 
I was very disappointed and frustrated. What XXXX did, is disrespectful to me as a customer, disrespectful to the job and to Nationstar Mortgage that hire her for this job. 
I am still waiting for the check of {$250.00} from Escrow. 
After all, I have a letter from Nationstar Mortgage that says, they need time until XXXX, 2015 to solve the problem. I strongly disagree with this response and I would like the problem to be solved in better timely manner. 
Another problem is that Nationstar Mortgage reported me with partial payment to my Credit Report. This is not true. sent all the documentation to prove it. Please correct my Credit Report. 
Thank you! 
XXXX XXXX provide a copy of Disclosure Statement and Pay Loan in Full Statement.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity of all claims related to the repossession of the vehicle referenced by the VIN number above. This dispute is based on the following points : I dispute the legality of the repossession process and the subsequent deficiency claim due to non-compliance with proper legal procedures. Under the laws of [ client_state ] and XXXXXXXX XXXX as well as State XXXX and XXXX statutes, a deficiency can not be claimed unless all required notices were properly and timely given. Furthermore, all allowable redemption and cure time limits must have been adhered to. The following sections of the XXXX  outline the necessary legal requirements. Please see the attached file for what I am complaining about.