23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I believe this collection is falsely being reported on my credit report by error or as a result of identity theft. in 2019 I was contacted by a business who suggested I contact the credit bureaus because I may have been a victim of identity theft and fraud. I contacted another credit bureau is where I found the collection. I reached out to the business. I had never heard of this business until seeing the name on the report. I am not liable for this debt with NATIONAL CREDIT SYSTEMS INC. I do not have a contract with the collection agency trying to collect and report this to my credit report. I did not sign any paperwork with the collection agency NATIONAL CREDIT SYSTEMS INC. stating that I would pay them or owe them any money. I requested they provide me with the original contract. They did not provide me with the contract as requested. I want a correction to my credit report, I demand that this account be removed from my credit report. I do not know who National Credit systems is, yet I do know that they are doing bad business practices as far as I can see, National Credit Systems does not verify information they receive for accuracy. They report inaccurate information and put debt in collections accounts that otherwise would not be there. This is wrong and has caused conflict when it comes to verifying my identity because I do not have any debt. I am making this complaint because I have contacted National Credit Systems about this more than once, from the time I first learned about their information on the consumer report file account, yet they have not made any effort to remove the inaccurate information that they are reporting saying I owe them money I never agreed to pay them and do not owe and is not my debt, yet they have made every effort to have it remain on the consumer report so that they can be paid from my account to themselves which is a attempt to use me as a source of their funding, which is wrong. They have been trying to do so by using a way to have this incorrect information continue to be reported, causing me delays, false declines, and a negative narrative that I have debt and owe and not responsible to pay. Which is not true and absolutely unfair that no one is taking that seriously, because I have made several complaints about this from the time I have learned about it, and even I years later I have made complaints about it and it is still there on the report. I am making this complaint to have this removed for a resolution for this error or what is being intentionally done by NATIONAL CREDIT SYSTEMS INC. Thank you for you help with this.
Product: Checking or savings account

I opened a high yield savings account with Synchrony Bank on XXXX XX/XX/XXXX, I deposited XXXX , on XX/XX/XXXX, I deposited an XXXX , and on XX/XX/XXXX, I deposited an additional XXXX . Th deposits totaled at XXXX $ and all deposits came from my XXXX XXXX XXXXXXXX Checking Account. On XX/XX/XXXX, I received an email from Synchrony Bank informing me that my access to the funds transfer service had been suspended. I called called Synchrony Bank and was informed by a customer service representative that my account was under review and that they could not tell me why. I attempted to log into my account, but I could not. I called Synchrony Bank multiple times over the next few months and each time I was told either that my account was under review or restricted and that they could not tell me why. I called Synchrony Bank on XX/XX/XXXX, requesting to have my savings account closed and the funds returned to my XXXX XXXX XXXX Checking Account. On this call, I was informed that my account had been closed on XX/XX/XXXX. I have not received any funds from Synchrony Bank at this time. Synchrony Bank claims that the funds ( XXXX $ ) were returned when my account was closed and that they are on hold with XXXX. After hearing this, I called XXXX on XX/XX/XXXX, and they claim that they have not received any transfers from Synchrony Bank and that they do not have a hold placed on any transfers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

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

( 1 ) XXXX XXXX Account number # XXXX ; ( 2 ) XXXX XXXX XXXX Account number # XXXX Has violated my rights 15 USC 1681 section 604 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without mt written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish 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

Please remove these accounts as soon as possible as this is not mine. I'm so stressed and disappointed as I gone through my report because I'm doing everything because of this mistake my efforts has gone to waste!
Product: Credit reporting or other personal consumer reports

I am formally requesting that you validate all tradeline listings you have submitted to the three major credit reporting agencies by LVNV FUNDING LLC for me, under XXXX XXXX. 
Due to possible inaccuracies in these credit reports, I demand that the validation I hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faculty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeline notations from the credit reports, actions which contraindicate evidence of your intent to abridge one or more civil rights. Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaints being filed pursuant to federal statute. 
Thank you in advance for your anticipated cooperation. 
Sincerely, XXXX XXXX. 
XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

NOTICE : XXXX and DEPT OF EDXXXX have violated my privacy rights by reporting such accounts to my credit file. According to The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 both entities have violated my privacy rights. 

CITED LAWS : XXXX. The Family Educational Rights and Privacy Act ( FERPA ) law enacted in 1974 2. 15 USC 1681n : Civil liability for willful noncompliance. 

REPORTED EDUCATIONAL ACCOUNTS : XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$2900.00} XXXX ) XXXX - {$9200.00} XXXX ) XXXX - {$3000.00} XXXX ) XXXX - {$3500.00} XXXX ) XXXX - {$6000.00} XXXX ) XXXX - {$3300.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$1000.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$3800.00} XXXX ) XXXX - {$4500.00} DAMAGES : ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX
Product: Debt collection

On or about XX/XX/year> Coast Professional, Inc contacted me regarding an alleged debt. I have reason to believe I we do not owe this debt because the debtor is XXXX XXXX XXXX XXXX and we have no liability, association, or debt with XXXX XXXX XXXX XXXX. There is no such LLC registered at the address they sent the letter to. We owe no payments to Coast Professional , Inc or the Creditor. 

We notified you, Coast Professional , Inc by mail on XX/XX/XXXX of this and they ignored it. Coast Professional , Inc simply sent two new letters listing debts and the original LLC as the debtor. Coast Professional , Inc has NOT substantiated why anyone currently residing at the residence they are sending the collection notice to is liable for a debt they are collecting.

We were also notified by the prior owners that Coast Professional , Inc did the same thing to them ( the debtor is likely at least 2 owners ago ).
Product: Student loan

On XX/XX/XXXX, a payment of {$10000.00} was initiated to Edfinancial from my bank account. Although the deduction was made two days later, only {$8400.00} was credited to my account. However, as of now, more than three months later, the remaining balance has yet to be applied. Furthermore, a separate payment of {$2300.00} was made on XX/XX/XXXX, but it has not been credited to my account either.
Product: Checking or savings account

Law firm charged debit card for hourly services that were completed out of malpractice. The hours billed were hours spend incorrectly filing paperwork and for many mistakes that were made by the fault of the law firm and ineffective counsel. Bank or America has started a dispute and investigation, but the time frame has gone past the 45 day window and now the bank is telling me that I will never receive the funds if the merchant does not respond. The merchant has no intention of responding and has no proof that the charge was made with my permission. I have plenty of documentation to show the missteps made by the firm and evidence to back malpractice claims. The bank will not offer a temp credit and now says that I will not receive the funds even though the merchant has not responded and the 45 day window has closed.
Product: Credit reporting or other personal consumer reports

i have not supply proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before i seek litigation for defamation of character ) XXXX XXXX XXXX XXXX balance {$3700.00}, XXXX XXXX XXXX {$220.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX Balance {$0.00}, XXXX of XXXX XXXX {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting incorrectly on my credit file. Please remove the following items : Incorrect Personal Information : Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX, XXXX, XXXX ( XXXX ) Names : XXXX XXXX ( XXXX ) Names : XXXX XXXX ( XXXX  ) Names : XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX XXXX ( XXXX  ) The following accounts are reporting inaccurate credit status : XXXX  - Date Open : XX/XX/XXXX ; Bal : {$0.00} ; I was never late ; ( XXXX, XXXX, Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, Equifax & XXXX  ) The following accounts is reporting as a result of Identity Theft or Fraud : UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$160.00} ( Equifax ) XXXX XXXX  - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) UNKNOWN - Date Opened : XX/XX/XXXX ; Bal : {$220.00} ( Equifax )
Product: Debt collection

LVNV never even sent me a letter saying that this debt was owed or where to send a payment to. There was no contact between me and this debt collector then all of a sudden on day out of the blue I recieve a court summons saying I am being sued. I was never given a chance to work out a payment areangemen ( which I would have done ) or anything of the sort. Now I have to pay the debt plus court fees and the laywer is telling me even if we dont go to court on this it will still show as a judgement on my credit. This seems unfair to me as I was never properly notified of the debit to begin with! How is it legal for them just to do this to people?
Product: Debt collection

This company has a collection that is not mine that is reporting on my credit report. These are the account numbers XXXX XXXX and XXXX XXXX However, it's also been discovered that this company does not even have a collection agency license in my state of South Carolina. They only have a license to collect in the states listed on XXXX  This is a violation of the Fair Debt Collection Practices Act.
Product: Mortgage

Okay, here we go again. So on XX/XX/XXXX Ocwen changed the name of the fake insurance they paid from XXXX  to XXXX. They did this to hide the scamming. So let me enlighten you by attaching it. Just scroll to XX/XX/XXXX and wow what do you know-fraud. Neither one of these insurance companies exist. Ocwen would purposely not pay your insurance on time and then force their insurance down your throat. Don't believe me? No worries I will prove my point. Click on the attachments and read what the insurance agents had to say. I have been waiting since XX/XX/XXXX and it's XXXX/XXXX/XXXX for the checks we were charged for. Sure is taking a long time to send that proof over. Why do you refuse to send these XXXX? 
You keep sending me letters that I am not being clear about my complaints. You sir are the one that writes inuendos and refuses to supply the information requested. You state that it is just a waste of time and so many emails. Maybe XXXX you would not get so many emails if you would send the information over. How many times do you need to be asked? So I guess the XXXX complaints online and the numerous lawsuits are all make-believe? 
Quit telling me I can not contact my mortgage company. You do not have that right. Your 2 months of knowledge does not justify you know the logistics of this XXXX loan. So email me what I have asked for instead of the same bs.
Product: Consumer Loan

To whom It may concern, I am writing to file a formal complaint against Toyota Financial and XXXX XXXX Dealership. In XXXX 2015 my family and I were the victims of predatory lending. We went to XXXX XXXX to find a family sized vehicle and unfortunately were told we had some negative equity that would make it nearly impossible to finance a vehicle. The salesman and sales manager insisted that if we went through their bank " Toyota Financial '' no matter the amount of negative equity, they would be able to push it through and make the deal work. At the time we were very vulnerable and the salespeople and managers at XXXX XXXX saw that and immediately took advantage of a young family and our situation. Since we leased the vehicle in XXXX 2015 we have been under a severe amount of stress trying to make the XXXX XXXX car payment each month. We have been late a few times but try our hardest not to be since we do want to maintain our decent credit. On XXXX separate occasions I contacted Toyota Financial AND XXXX XXXX to explain to them that I could no longer afford the vehicle. Toyota Financial explained to me that my only option would be to find someone that could take over the lease. This would be impossible to do considering the monthly payment. When I spoke with the dealership directly they were very frank, rude and defensive and told me if I brought the car back it would be marked on our credit as a repossession. I am writing you in one very last desperate attempt to get help as I have exhausted all other options. My family and I are victims of a monster sized companies Toyota Financial and XXXX XXXX preying on vulnerable families. I know for a fact we were victims of the following : Predatory Lending Over Excessive charges and Fees And a violation of the Truth and Lending Act I have gone to both parties and expressed my inability to continue to pay the high car payment each month and they have not given me any reasonable options. As a result of their refusal to help me I have no other choice but to file this formal complaint with you.
Product: Debt collection

XXXX improperly billed me. I followed their dispute process in writing. I never received correspondence back. In my correspondence to them, I requested the all returned correspondence by in writing and mailed. This hasn't happened. 

Collection company contacted me and I disputed the debt with specific instructions. They failed to validify the debt. They did not respond to my correspondence. 

I recieved an alert that GC services put a deragatory mark on my credit report. They failed to validify the debt, or respond in writing. XXXX, failed to follow their own dispute process and have not responded. According to the dispute process, any amount is not owed due to their failure of response. 

GC services continues to call me current number, even after receiving do not call demand and notice multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and ask to please remove the fraudulent information immediately from my file. I have sent all documentation to your offices and they have not removed them. You are violating my FCRA rights. I want the following deleted. 

XX/XX/2022 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I sent Midland Funding a written notice of dispute and request for validation of a debt that is being reported as an unpaid collection account on my credit report. The original creditor account number is XXXX. As is required by the FDCPA, the FCRA, and the FCCPA, upon receipt of a dispute and request for validation of debt, the reporting entity is required to conduct an investigation of the dispute, and respond to the consumer within 30 days. As of XX/XX/18, i had not received a response from Midland Funding, and sent a follow up letter to them notifying them of the same. It has now been more than 30 days since my second request, and Midland Funding has still failed to respond to my request. Pursuant to the FDCPA and the FCRA, Midland Funding must now cease collection activity on the account in question, and delete the entry from my credit report. I am requesting written confirmation from Midland Funding that my request has been honored, and that the item has been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my free annual report as a recommendation from COVID-19 and was surprised to see a collection from Credit Mgmt LP which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine or valid prior to it hitting my credit profile with the bureaus. Due to this, I did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notifications regarding the debt. Had I been aware I had option to check the validity of the debt in question, this may have been removed. I would like this collection removed from my credit due to erroneous collection practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a dispute and experion " settled " the dispute, the answer they wrote was " verified ". XXXX credit has the wrong address and Ido not know who this company is, Experian also put an address on my credit report and I do not live at this address. The adress is XXXX XXXX XXXX XXXX, I do not live at this address, experian refuses to remove the address. I disputed a company by the name of XXXX banking and experian says " verified ". I dont know who this company is. Experian will not give me any inforamtion. XXXX XXXX  " complaint # XXXX XXXX XXXX XXXX  # XXXX.