23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have a separate issue with the company ( wow! internet ) that sent the debt for collection, and it looks like this is what they do. They create environment impossible for customer to resolve ( paying the account by deleting the account, then force you to call into company where you are transferred multiple times, or the " system can't accept payments, then when you get to someone that can take payment the account is not in the system anymore ) then they send this bill to collections. 

This is where my story begins with Eastern Account System, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT. 

I was contacted by one of their representatives who initially said he worked for XXXXXXXX internet/Cable. I was excited because this was the 1st time XXXXXXXX have got me in contact with someone that could take payment after 3 months of trying to contact them and get with a representative that could accept a credit card payment. ( this account was setup with auto payment, but that stopped when I wanted to cancel services ). After a while into the conversation he then mentioned he was with a debt collector FOR XXXX and not actually a XXXX employee. 

So then I was put off a little not knowing they would do that when all the while I had been trying to pay my bill. So I asked if this would go on my credit since I had been trying to pay this. He said if I paid that day that I would not have my credit be negatively impacted. 

I did so immediately and without hesitation. 

I did not think of it after that or check the payment for it until I got ANOTHER call from this credit collector 3 months later in XXXX. When they told me that the bill still had not been paid, and that since it was 3 months after the initial call that it would show up on my credit. 

When asked they could not provide any information about the initial call, but said they had reached out. They could not tell who made the call or anything specific ( recording ) but said they had contacted me. 

This is on my report, and I have tried to pay to have it removed, but those attempts have failed. To me this seems like a shake down. XXXX involved with Eastern Account system creates environment where customer can not pay bill. Send to Collection where Eartern Account creates environment where customer get dinged on credit reports. Customer pays company to get resolved. 

Thank you for you time. I appreciate any assistance and guidance you can provide.
Product: Checking or savings account

I am writing to formally dispute the actions taken by XXXX XXXX regarding the unjust restriction of my business account without a proper or legal explanation. I have maintained a business checking account with XXXX XXXX for over two years in good standing, and the recent restrictions have significantly disrupted my business operations. 

According to the Electronic Funds Transfer Act ( EFTA ) and other relevant consumer protection regulations, financial institutions are required to provide clear and timely communication to account holders regarding any restrictions, including the reasons for such actions. XXXX XXXX has not complied with these legal obligations, leaving me without access to my account and providing no explanation despite my repeated requests. 

During my communication with their representatives, I expressed that I felt disrespected and unfairly treated, as the account restrictions seemed arbitrary and without merit. The failure to provide transparency and support has placed my business at risk of severe financial loss, including the potential foreclosure of investment properties and an inability to meet essential business obligations.
Product: Debt collection

Hello, I received an entry on credit report XX/XX/XXXX, XXXX in the amount of {$930.00}. I contacted XXXX  on XXXX XXXX XXXX ( XXXX XXXX ) and the collection agency they use IQ Data International in XX/XX/2020. On XX/XX/2020 I checked my credit report again and the amount went to {$930.00}. 
No one has sent me a written verification of this debt. I spoke with property manager XXXX XXXX  on XX/XX/2020 and all the charges she read, I told her was inaccurate. Some of the charges she stated are the carpet couldn't be cleaned because it was at the 5 year mark and need to be removed- {$250.00}. The tile around the bathtub couldn't be cleaned they had to refinish it.- {$250.00}, holes in the wall, damages to the mini blinds, and pet damages. All of these are false. I paid a {$200.00} nonrefundable deposit in order to move in and none of that {$200.00} went to supposed damages. Where did deposit go and what was deposit for? 
I asked if she could either email or mail me a copy of the invoice and pictures. She agreed but as of today I still haven't received anything. On XX/XX/2020, I mailed a certified letter to IQ Data International. I received the postal card back with signature of employee but no written verification of charges. The damages they said I made to apartment is false. I sent IQ Data International copies of the photos that I took when I moved out. I also sent them reviews of other tenants who had the same fraudulent complaints as me. This has affected my credit score and I am no longer able to get a place to live because these companies want to make money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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

XXXX  ; XXXX  and Transunion are incorrectly reporting that I am ( 120-180 ) days late on the USD/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) First, this account reports a {$0.00} balance and {$0.00} past due. Second, this account is currently being coded as an I5. This account should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove theis however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dr. Sir/Madam, I am writing to request a reinvestigation of the following items ( s ) on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter.

Disputed Item ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00}.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2300.00} Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I received an email on XX/XX/year>, XXXX from Nelnet XXXX that I was already behind in a student loan payment that was supposedly due on XX/XX/year>, but I never received information stating that I had any payments due at all, as my payments are {$0.00} currently. They said I owed money, but they never sent an email until I was overdue and late in payment. My payment plan went from {$0.00} to over {$400.00}. 

Upon calling Nelnet, they explained that there must be an issue with the loan, and it XXXX have not been updated in the new XXXX program. I asked for this to be emailed to me because I was still skeptical about this, considering that my account still says I am overdue for a payment. Instead of sending me information relevent to my inquiry and stating what they said on the phone, they sent me a generic email about how to reapply for a XXXX  plan. 

Now I am confused because on the phone it sounded as though they would fix things in due time and I just needed to be patient, but this email they sent in response to me wanting what they said in writing is now saying I need to reapply for an XXXX.
Product: Debt collection

I teceived XXXX text messages from Radius Global Solutions, a company I have never done business with. Instead of clicking in yhe links in the text, for fear of phishing, I googled the company and called. The rep looked up my phone number, but had an incorrect first name XXXX which is not my name. I asked who their client was or what the name of the company was, because in yhe past 6 months, I had several fraudulent accounts surface. He then proceeded to ask for personal info like XXXXSSI and because I would not provide that he refused to provide the creditor info alleging that it was against their practices. I advised that it is also against the FDCPA to refuse to provide it. I advised that I would be filing this claim because I am unsure if they are scammers to spite seeing on XXXX that this is supposedly a legit company. I have no collection accounts. I am a collector myself, so I am unsure why this company with these foreign people with thick accents that obviously do not follow FDCPA contacting me. They also did not give the mini-miranda. I spoke with XXXX  representatives, XXXX  when I called, the other an alleged manager.
Product: Debt collection

Frontline assets strategies mailed correspondense to my accountants home address. I did not make any purchases in the amount {$4100.00} delinquency date of XX/XX/2019, also the name on debt letter is not my full name. Your help is very much appreciated
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 XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXXXXXX Date opened XX/XX/2020 Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

Re : Incorrect Personal Information To Whom It May Concern, Would you mind looking into this personal information for me- Seems a little awkward with certain information. I was going through my personal information on my credit and I was wondering if you don't mind fixing it to reflect the Identification, social security number, and proof of address I attached to this letter? Can you do me that favor? I mean, is there a reason why the personal information on my credit report contains errors? I looking at my credit report, and I noticed errors with my personal information, misspelled my actual name, wrong, unknown old previous addresses, and some non-accounts hard inquiries that I'm not 100 % sure how it's here, and how you can mix such file. This is a big issue for me - Can you please fix it for me? As far as I know by reading the FTC, and FCRA laws and regulations, any other inaccurate and/or outdated information must be deleted immediately from my credit report as they are not reportable as per the FCRA, since they are inaccurate. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX
Product: Credit reporting or other personal consumer reports

I have called Experian 5 times today XX/XX/year> desparately trying to connect with a human as the email they have to verify my account is NOT MINE!!!!! I am panicked as I can't access my account. They only have 4 options and then hang up on you. They direct you to their HELP website which is of no help. THIS IS MY PERSONAL INFORMATION AND THEY DON'T CARE!! 
HORRIBLE HORRIBLE HORRIBLE
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inaccurate Bankruptcy Judgement that is reporting from all 3 credit bureaus on my credit reports. I have letters from XXXX XXXX, United States Bankruptcy Court XXXX XXXX XXXX Georgia, and Pacer stating they do not report to the credit bureaus. I mailed certified letters with all of this information to XXXX, Experian, & XXXX  two times. The first letter dated XX/XX/XXXX and the second letter dated XX/XX/XXXX and both times the response I received back was that they are reporting this information as accurate and that they have verified this information as true. XXXX XXXX, US Bankruptcy Court, & XXXX  are the only ones qualified to make a verification regarding this alleged bankruptcy and the bureaus obviously did not verify this information given the letters I have from XXXX XXXX US Bankruptcy Court, & XXXX. They are allowing erroneous information on my credit report and are falsely claiming it is verified. I am requesting that this false information please be deleted off of my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$170.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Money transfer, virtual currency, or money service

In XXXX to XX/XX/year>XXXX  I was scammed out of {$3500.00}. I was sent a check by someone to pay for subletting an apartment. I had permission from the apartment complex to find someone to sublet. The check that was sent to me apparently came from the persons ( the person I found to sublet the apartment. Her name was XXXX XXXX ) employer. XXXX XXXX claimed the employer sent the money for the apartment to me but also the money required to move her items to the apartment. The check was {$3500.00}. She asked me to keep the money for the apartment fees but Zelle her the remainder for her moving fees once since that money was sent to me in error. I deposited the check into my account. I sent her {$550.00} which is what remained after the apartment fees were paid but then the check bounced. And the person I sent the remainder money to stopped responding to me. I lost the money from the apartment fees and I lost the money I sent to her. The apartment complex ( XXXX XXXX XXXX  in XXXX ) was not helpful what so ever in the matter. I have a paper trail of messages. I filed a police report against XXXX XXXX in XXXX but nothing came of it. I contacted both XXXX XXXX  and Zelle about it many times but no one helped me. I contacted the apartment complex but received no compliance from them either. I was scammed and no one helped with anything. I was a student at the time and the hit was detrimental. Not only was I out {$3500.00} but I was also homeless staying on a friends couch for a month and a half before I could get another apartment.
Product: Money transfer, virtual currency, or money service

Follow up to the previous complaint. I am still on the phone with American Express and Im hyperventilating and shaking because of the harm and distress that they continue to cause me. The refuse to investigate my claims of identity theft. I opted out of phone, Mail, and email communications from them in regards to ANY DEBT. And instructed them to contact me through the consumer financial protection bureau at which they refused and sent me another email advertisement against me request.
Product: Credit reporting or other personal consumer reports

Repeatedly requested reports from LexisNexis for a full consumer report but repeatedly get a response that my identity can not be verified, even after providing copies of identification.
Product: Debt collection

I previously disputed this collection in 2016 and it was removed from my credit report. I never received any documentation stating that this debt was mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XXXX, XXXX
Product: Checking or savings account

On or around XX/XX/19, I called Citibank requesting closure of two of my three accounts. I transferred the cash from the two accounts into a new Citibank Accelerate Savings with a higher APY. For some reason, one of my accounts was not closed. When I logged into mobile banking today, I noticed that the account balance was -$XXXX. It's so unfair that they charge me a fee for an account that I requested to be closed and that was at a $XXXX balance. When I called to get the account closed again today (XX/XX/19) the representative informed me that the charge is still pending and can't be either investigated or reversed until it's posted to my account, so I'd have to call back in tomorrow. When I asked them if they could just post it, she declined and offered the same solution. I'm extremely frustrated that 1) I've attempted to close an account and that it never happened. 2) I was charged a fee that brought my account balance negative.3) That the representative couldn't refund me $XXXX for their error.4) That I'd have to call back in to get the fee reversed. I'm not sure what your account agreement says, but it's unbelievably unfair that you'd charge a fee when the account balance is $XXXX.
Product: Credit card or prepaid card

EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST, EXTORTION FROM CAPITAL ONE - FORCING TO PAY FOR PURCHASE NEVER MADE. 
CRIMINALS - THIS COMPANY HATES PEOPLE NEVER EVER GET A CAPITAL ONE VISA CARD 15 YEARS OF LOYAL PAYMENTS NEVER EVER LATE SINCE GOT HACKED - NOTHING BUT PROBLEMS - SINCE GOT HACKED CARD WAS MAILED BACK TO HEADQUARTERS IN UTAH MONTHS AGO AND THEY STILL BILL ME {$4.00} A MONTH FOR A CARD THAT DOES NOT EXIST,
Product: Credit reporting, credit repair services, or other personal consumer reports

company is reporting unjust, false, and misleading information on my credit report
Product: Credit card

I was charged a late fee for no reason my bill was due XX/XX/year> I made a payment XX/XX/year> XXXX still was charged a late fee XX/XX/year> I called and inform them and I was still charged a Late fee and XXXX dollar in interest I dont think tht fair or right whn I pay on time plus its messed up my 6 on time payment I made I so now i cant get my reward I was told I can get for making 6 on time payment I jus need this situation fix and I have proof my account was charged XX/XX/year> for amount of XXXX dolla and I was still charged a late fee
Product: Vehicle loan or lease

Went in for their XXXX special on XXXX  XXXX XXXX. After speaking to the sales team, We decided to do a few trades which was recommended based on my needs. Since the XXXX is a XXXX  and truck, I no longer needed my XXXX or XXXX truck. The dealer 's sales team agreed to take both of my cars as trade. They asked for my information and information regarding every car. I myself also checked and it was agreed as them paying off my truck at what was owed and my XXXX  which had a balance of XXXX. Everything was done in writing and I agreed with their terms. I signed my paper work and left the dealer with my new vehicle. Two weeks later they demanded over {$4000.00} as they wrote a different about for my payoff. A traditional yo yo financing scam which I later found out. After being upset for a few days, I wrote a bad XXXX  review and they agreed to stand behind their dealer after they found out that I had contacted XXXX and had Prof that the payoff amount was given to them on the XX/XX/XXXX and I also had it in writing from the sales team. This was very unethical business practice and I know many have been ripped off my the dealer ship and the manager in charge.