23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a company, Nationwide Credit Corporation ( NCC ), concerning a bill for XXXX XXXX ( XXXX  ) that was paid in full in XX/XX/XXXX. The company states that they were contracted in XXXX of XXXX to collect the amount, and XX/XX/XXXX is also the first I became aware of the bill directly from the company because of an incorrect mailing address they were using, not sending mail to my new residence on file with them. I contacted XXXX  immediately upon notification from XXXX  related to the bill and paid the bill amount in full at that time. NCC contacted me in XX/XX/XXXX regarding the amount, stating that XXXX  is their client and that they are collecting the amount. They state that I owe them XXXX, the final amount I paid to XXXX  in XX/XX/XXXX. NCC would not contact their client, XXXX, and instead wanted to collect more personal information regarding my accounts. When I spoke with XXXX in XX/XX/XXXX they stated that the matter was internal and that they would not send the bill to collections and that at the time of talking with them the bill has been paid-in-full, especially when it is related to a communication error on their system side. None the less, NCC states that they will not communicate with XXXX  and XXXX  does not have to communicate with them in regards to teh amount that has already been paid. NCC is engaging in bad business practices of collecting on amount that are not due and not conducting post-operation reviews to check the status of accounts related to collections for their clients. I have contacted XXXX multiple times since the communication from NCC, and XXXX has assured me there is no amount owed and that no amount should have ever been sent to collections. NCC has a due diligence as a collections agency to ensure they are collecting on proper, up to date, and accurate account debts, but to collect on accounts that have no discrepancies and are not due is to lie to the consumer, accuse them of bad financial practices, assault their credit credibility, and over collect on bills that have long been paid and should not even be considered a debt since they were paid in full at the time of balance due. NCC informed that they will not engage in confirmation with XXXX  that a balance is owed and would not verify the validity of their call took place almost two years after the utility bill was paid. It is unrealistic to ask most American to be able to vouch for their bill payments multiple years in the past, but I luckily keep good records of even small payments for just these predatory practices by agencies working to prey on people for false debts.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX  {$5500.00} XXXX XXXX XXXX {$7700.00} XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXX XXXX {$1400.00} XX/XX/XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

Upgrade/XXXX XXXXXXXX XXXX interest is extremely high, I just noticed while checking my history payments. This amount in my opinionis is unlawful. I have filed 1099A and 1099c to IRS and have sent copy B to upgrade, and I wonder if this is a adverse action against me for canceling the debt every time I make a payment. Every time upgrade receives copy B of the 1099C form they send me a list of statement and due dates. Clearly letting me know every time you send us 1099C and 1099A copy B we will send you the due dates of payments due.
Product: Debt collection

I have been disputing collections on my XXXX was removed from my report in XXXX as a request that came directly from creditor yet they sent account to spring oaks capital system on XX/XX/XXXX at the same amount that was removed {$630.00} the amount was removed by the original collector from my report via dispute.Then was sent to collections. Its currently open collections I do not owe either and I do not own the accounts.
Product: Credit card or prepaid card

Had XXXX card for gasoline, XXXX discount at pump. XXXX  ended program. First National Bank of Omaha was card issue. Sent new card, not interested in card, never activated, never used. Billed XXXX in fees. Payed fee and closed account on XX/XX/XXXX. Billed again on XX/XX/XXXX for XXXX for fees on card never activated, used or requested. Why is FNBO charging fees on card never activated, used or requested??
Product: Debt collection

Currently reported to collections an account older than 8 years old. Card amount is settled on my XXXX XXXX report original creditor XXXX XXXX. {$700.00}. XXXX XXXX XXXX was paid {$700.00}. In 2015. Basically, I have had this account already removed and settled on both my XXXX XXXX and XXXX  reporting agencies. Simply due to the age of the account it should my show up as new without my receiving the paperwork needed to settle this account. I requested the paperwork be sent to my home on the date it appeared on my account. So far nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently applied for major credit card and was refused by Sagestream LLC even though I have 700+ credit score. I deal with XXXX XXXX and XXXX and have never been late on paying. Other credit reports are in standing.
Product: Debt collection

Ally Financial failed to give me proper validation of this debt. 

I mailed Ally Financial a debt validation request on XX/XX/2020 certified mail # XXXX XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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

I am writing this letter to file a formal complaint. I was contacted by a representative for this account. As I explained to the representative the case was dismissed in court. However, even though it was dismissed in court, without me owing a debt, I did legally live in the unit and paid the rent. I went to the bank, and did research on the check. I found out the cashiers check was never cashed. I had the check reissued, the representative explained that there was an amount owed for XXXX. I explained to the representative, I was not in the unit, and was not paying. A collection agency can not take over from a court of law, I sent in a vacate notice in XXXX. We were in court in XXXX. I am not paying for a month in which I was not there. I asked to speak to a supervisor and spoke to XXXX XXXX. XXXX XXXX informed me, it did not matter what the court ruled, and the company sent this account for collection. I explained to him I am not willing to pay when I was not there and I am not legally responsible. You can not overrule a judge, he told me to check my lease. I again stated what occurred in court, and explained that I would file a bk before I pay for something that I did n't live in. He told me keep the cashiers check, and keep my money. He then hung up. Since that call, I have continued to be harassed by him and XXXX XXXX threatning to sue me. I finally gave them the name of the BK attorney. I know it is illegal and a debt collection company can not override a judge
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX I have already tried to resolve this old debt with the company. This account is listed on my Transunion and XXXX credit reports as OPEN with a past due balance of {$480.00} which is incorrect. This is a charged-off account ; as we all know, it is illegal to post a charged-off account with a current past-due amount {$480.00}. They have not responded to my inquiry so this account needs to be deleted from my credit reports.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i file for disputing some accounts from my credit report. i file a dispute with XXXX. Experian and XXXX and all of the accounts came back as verified and updated. 

Here are the account i file for dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Student loan

My loan servicer is the problem. Not the school. The loan servicer is Great Lakes the website is greatlakes.org. I choose the 25 year repayment plan. Every time I make an additional payment during the month they keep it and call it " money paid ahead '' they are not applying my extra money to the principal like I choose two years ago. The company wants me to pay {$90000.00} back over 25 years and not apply my extra money to the principal. Today I had XXXX of money paid ahead, now I do not see that. I want a reciept of which loan they applied the XXXX dollars too. The websit and contracting papers, state that if I put an excess payment on my account they can keep it for whatever reason and apply however they want, it also states that they can apply excess money to the principal. I recently paid two payments and they added it to my amount paid ahead rather than apply the payment to principal. Can you all help me?
Product: Payday loan, title loan, or personal loan

I have my account set up on auto payments and it takes the payments out monthly. But one month it said I was past due so I made an extra payment and said {$0.00} was due. Then after my normal payment I look on the app and it says 30 days past due and my credit report shows a delinquency. I tried emailing and calling on the phone but no response. Poor customer service.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date of Birth : XXXX, XXXX XXXX : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax XXXX I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of SO. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXXXXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$1800.00}. 
I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 
XXXXXXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$4700.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$24000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX  Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}
Product: Debt collection

On XX/XX/XXXX I sent Merchants & Medical Credit Corporation a letter disputing a claim of alleged debt of {$4000.00} by original Creditor XXXX XXXX XXXX I asked for proof of validation per my rights under Under the Fair Debt collection Practices Act ( FDCPA ). I also let them know in my letter that I have been a victim of Identity theft as of XX/XX/XXXX when someone attempted to use my personal information to file my federal IRS income taxes. Since that breach I have been a victim of multiple fraudulent accounts setup in my name ( per my credit reports ). I have also been a victim of both breaches of XXXX and XXXX. ***Please note they are reporting this debt under XXXX XXXX******* My name is XXXX XXXX ! Still with all this information they have refused to provide me with any proof of validation of this debt. I have asked for all of the following below CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 
I asked for them to remove this reporting from all 3 collection bureaus. They are still reporting and not have provided any proof
Product: Credit card or prepaid card

Barclay 's Upromise Mastercard has had my credit limit at {$16000.00} for years. I only had around {$700.00} dollars charged on my card. I have never once missed a payment. My credit score is good and hasn't changed much in years. Out of nowhere, for no real reason besides nonsense that they made up, they reduced my credit limit down to {$1000.00}. Clearly this was done because they think the economy is headed for a recession, but my income has only gone up, and much of it is fixed as I am a XXXX veteran. What they did hurts my credit dramatically by reducing my available credit and changing the percent of credit I am using by an enormous percentage, which then creates a snowball effect with other credit cards. I emailed them on XX/XX/22, and asked them to please change it back to what it was and they sent me an email saying I could request a credit limit increase, but warning me that it would be a hard inquiry and that would hurt my credit. What Barclay 's Upromise Mastercard is doing is wrong and it hurts consumers. Whatever their made up reason was for this action isn't a real reason, and they should change my limit back to what it was before it destroys my credit. Credit card companies shouldn't be allowed to destroy a consumer 's credit when the consumer has never done anything but pay their bills on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # 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 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: Mortgage

I submitted all of the information to surrender the property to the bank (JP Morgan Chase).X/X/2018 All information was sent to them at XXXXAmount owed on the property is $XXXX the owner XXXX XXXX. XXXX is in the XXXX XXXX XXXX and can not afford to pay the mortgage. I am serving as power of attorney and meet with the officers of the Bank and was informed that a surrendering letter along with Durable Power of attorney was needed to surrender the property along with proof of XXXX XXXX is  living in the XXXX XXXX.  They have not accepted the documents and keep stating they have not received them. I have emailed them and faxed them with the bank managers XXXX XXXX XXXX. The main person at Chase that is giving me the run around is XXXX XXXX XXXXXXXX XXXX XXXX the fax that he had me send the documents to was XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and experian are reporting this account on my credit report. XXXX is from XXXX XXXX. i have asked XXXX  to send me a validation letter but they have not after several requests. XXXX XXXX  is reporting on my credit report this debt has a High Credit : {$1800.00}. 

i have never opened maintained, nor applied for an account that gave me an credit limit of {$1800.00} nor of {$1500.00} like it states on my credit report. 

XXXX and experian both report this on my credit report Last Reported : XX/XX/2023 XX/XX/2023 meaning they verified this account to be correct and completely accurate. 

my question or complaint is if this is accurate where is XXXX XXXX  verification or validation that i am the owner of this debt that is $ XXXX {$1800.00} this has caused me strain on my finances because these accounts on my credit has caused me to have higher interest rates. 

XXXX XXXX has verified this debt being correct as well.
Product: Credit card or prepaid card

*Fortiva Credit Account Number : XXXX *Account Name : XXXX XXXX DO NOT confuse this complaint with the other one. This is a different issue. 

This predatory company need to be out of business asap. This predatory company aims to destroy your credit not help rebuild it and i've worked too hard to get my credit right. I've never seen a company so many incompetant ignorant uneducated non-English speaking employees as this one. I've requested this company to change my due date several times thru their app by sending messages yet they've continued to LIE and claim not to have any messages from me. I requested more than once to have my due date changed to the XXXX of every month more than once and i have screenshots to show how it looks on their app. I've NEVER seen a company have an app that doesn't get their messages. On XXXX i once again called this company asking about a Financial Hardship. The so called supervisor i spoke to name XXXX XXXX which i doubt is his name he repeatedly threatened to report on my credit my account as late. Then he tells me they don't do anything like that to help customers. XXXX also told me if i made payment arrangements they would still report it as late to the credit bureaus. I was appalled because just about every company have some kind of Financial Hardship Department or some sort of Department when customers can't make a payment and this is my first time ever not being able to make a payment due to health reasons. I told XXXX XXXX i could make a payment on XX/XX/2019 and he kept threatening to report it on my credit as late. He also kept trying to force me to agree to a payment on XXXX which is also my due date. This XXXX XXXX character kept being sarcastic and ignorant and acting as if he doesn't comprehend anything. 

If a customer calls in and is trying to do the right thing this company will penalize you for doing right and messing up a person credit.
Product: Debt collection

The debt collector stated i owed money for a company i never heard of, they were rude and threatened to send authories to my work site. I asked can they send me a writted verification letter of debt and they told me they were not going to and does not have to. I have the phone number attached XXXX. When asked to speak to supervisor about the previous worker spoken to the supervisor threatend and cussed me out
Product: Debt collection

I am submitting this complaint regarding a fraudulent debt reported by Regional Finance ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Regional Finance failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Regional Finance is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.