23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I disputed this twice the answer they came back with was accurate and verified but who is verifying this? is isnt my debt i asked for discovery proof it is mine and yet no correspondence was sent in any event i no longer want to see who did this to me i want to see action against collection agency for violation of fcra requirements source recevables account number XXXX
Product: Debt collection

I receive calls from this company asking me to verify my personal information so that they can talk to me, yet they will only provide the name of their company ( Unifin ) but no debt information such as dates, amount owed or whose name is listed. They have also contact several family members of mine concerning what seems to be a debt owed by me after they have been continuously asked not to call.
Product: Money transfer, virtual currency, or money service

I could order card app wouldn't let me cash app tried notifying them on line their was a problem i needed to purchase use money but without card working no one on live to help it was hell i went thru a lot just to get the issues resolved what im complaining about is why their no one live to help why why did i have struggle moving money just pay or purchase when they should have someone their to help
Product: Debt collection

I received the debt collection letter from Receivables Performance Management , LLC in XXXX stating that I owed {$1600.00} for the leased car that I had returned in XXXX to the original creditor which was XXXX XXXX. For information, I obtained the car through XXXX which worked with the creditor so the leasing company withdrew the weekly payment automatically from my XXXX earnings. I had paid off any amount I owed the day I returned the vehicle back in XXXX. Up until last XX/XX/XXXX when I received this debt collection letter, XXXX XXXX as the original creditor had never reached out to inform about any debts owed. 
I called the number and I spoke with the agent. I demanded them to show me the agreement and the contract that I indeed owe such money. The agent agreed to show me the contract as soon as I sent the letter in mail to dispute. I did write to them to request the contract. I received their response in mail merely showing the breakdown of the balance but not the contract. 
Fast forward, I received another letter from them that they reduced the settlement from {$1600.00} to {$1200.00} as long as I paid them in full by XX/XX/XXXX. 
I attached the letters from them.
Product: Debt collection

I assume this is a debt collector because of the repeated calls. They call relentlessly, and have called 3 times before XXXX XXXX. The company name is Allied Interstate LLC. In the next section it asks for the account number or the last 4 digits of my social security number. It kept rejecting the last 4 of my social and I have no idea what the account number would be.
Product: Debt collection

I mailed this company a formal dispute letter with my current address on XXXX XXXX 2015 hoping to get a copy of the original debt today XXXX/XXXX/2015 I contacted the company to advise them that is has been over 30 days and I should have got the documents back by now I spoke with XXXX and XXXX XXXX and she advised that she sent the paperwork to an old address even though my current address is clearly printed on the dispute letter I sent them. I also advised them several times this is not my debt and also not to send me anymore emails with company jargon that I ca n't understand.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these accounts do not belong to me 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. 

Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXXXXXX XXXX XXXX Account XXXX has violated my rights. Or a 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

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX  ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$13000.00} ; XXXX XX/XX/2021.
Product: Debt collection

This debt was closed and removed over seven ( 7 ) years ago. XXXX went out of business when it was acquired by XXXX XXXX 2020. Prior to the acquisition, this debt was dropped by XXXX. The debt was removed from my credit profile of all XXXX credit reporting agencies. I've submitted a request from Jefferson Capital Systems , LLC ( via certified mail ) asking them to validate the debt by providing me with the original purchase agreement between Jefferson Capital Services and XXXX that shows they are the legal owners of this debt. I've also asked them to provide the latest bill statements that show the servise was used by XXXX in the last seven ( 7 ) years, all to no avail.
Product: Debt collection

This is follow up to complaint # XXXX Navient XXXX XXXX trying to collect on a loan that was paid in full in XXXX  as confirmed by XXXX XXXX they are reporting false information and harassing my XXXX XXXX XXXX mother who lives in a senior facility. Who does this. Why wait years to collect. If something was owed say so XXXX years ago. You didnt because its not owed. Stop sending collection letters. Update our file. Report correctly to the credit bureaus both loans ending in XXXX and XXXX. Both were paid in full on XXXX They say {$2300.00} owed then send her collection letters for $ XXXX. What kind of illegal XXXX is this. Didnt you just get sued for illegal activity. This is why. You got your money. Stop trying to say you didnt.
Product: Credit card or prepaid card

I have been a with COMENITYBANK/VICTORI customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX, XX/XX/XXXX. Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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

To whom it XXXX concern, I recently pulled my reports and noticed you are reporting an charge off each month with a balance of {$230.00} for this account. XXXX XXXX As were both aware a charge off account is a dead account which means that there shouldnt be any interest accruing after the account charged off, there should not be any late payments reporting after this account was charged of along with XXXX reporting c/o every single month, Im aware that there is date of last activity ( the date on any account should be when a payment was made, or account status change made on the account ) so if you are reporting charged off every month the date of last activity is being reset every single month that you are reporting an charge off meaning that my reporting time is based on my date of last activity so with the 7 year reporting time for every charged off account from my understanding this account was charged off in XXXX and since then youve continued to report charge off on my credit report, which affect my XXXX ( date of last activity ) & is continuously been extended Ive attached copy of this account as its being reported from your bureau .Youre reporting that I was 120 days late 2x for the month on XXXX XXXX which I find quite impossible along with inaccurate information Last XXXX of XXXX RE : XXXX I received notice that you verified certain items on my credit report from the following companies : XXXX. XXXX XXXX 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. Don't 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? Don't provide the generic " 7 years '' 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 included in bankruptcy. So, which is it? 
Supply your response within 15 days or delete the trade-lines.
Product: Checking or savings account

I opened a checking account with a safe box attached, after the bank had multiple attempts of bank robbers, theives trying to rob my account and safe box the bank closed out my account they said it was a grand father account but they forgot to close out the safe box and they keep charging me for the safe box on a closed account.
Product: Credit reporting or other personal consumer reports

" 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 XXXX XXXX XXXXXXXX I looked at my Experian credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 usc 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of Inaccurate or unverifiable information. 
( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate of incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are supposed to 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 card or prepaid card

FROM XXXX TO XXXX IN WHICH XXXX DISPUTED TRANSACTION IN THE AMOUNT OF {$14000.00} HAVE CALLED NUMEROUSE TIMES TO FALLOW UP AND HAS BEEN MORE THEN 10 DAYS AND THE BANK THAT HAS A POLICY OF AFTER 10 BUESINESS DAY THERE SHOULD BE A DESION MADE AND CREDIT MY ACCOUNT IHAVE SENT A FAX WITH MY INFO LETTING THE BANK OF AMERICA KNOW THAT IHAVE SENT THEM PROOF THAT IWAS XXXX IN A LIVE IN PROGRAM FOR 2 AND A HALF YEARS SINCE XXXXTO XXXX .IAM BECOMING HARD SHIP AND WOULD LIKE MY MONEY THAT WAS TAKEN FROM A FRUADSTER!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX  XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

I tried to sell XXXX worth of XXXX instead they converted it to another crypto, XXXX which I had to sell so I can make it withdrawal. When I initiated the withdrawal for the same amount it was supposed to be instant instead they decided to take 3 to 5 days. There have also been numerous accounting errors in my account. One of which I had to pay them {$6.00} so I could use my account again. Now there's a pending transaction which initiated and won't settle for another 3 to 5 days but they won't cancel it.
Product: Credit reporting or other personal consumer reports

XXXX account is inaccurately reported across all XXXX  credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had a issue with XXXX got the ag involved XXXX fixed transunion refuses to accept accept the mistake and fix it
Product: Consumer Loan

Please see complaint Case number : XXXX - Where Nissan Motor Acceptance Corporation significantly abused an elderly victim and where they assisted a Nissan dealership in conducting fraudulent activity. 

This previous complaint was filed by myself XXXX XXXX XXXX with sufficient power of attorney to represent XXXX XXXX in the matter of fraud Nissan Motor company continues to perpetrate. Such POA had been previously provided ( on or around XXXX 2015 ) to NMAC so they were aware that I had this power and knowing I was an authorized agent of the victim should have appropriately answered the complaint and not just shirked such responsibility. 

Now in addition to the previous complaint it has come to our attention that NMAC illegally seized a refund of over {$6000.00} from a vehicle maintenance plan. This was paid for by the vehicle equity the victim was deceived into trading in and the demanded cash downpayment obtained through this elder abuse. As NMAC had no superior claim, and in fact, since there was no contract, NMAC had NO CLAIM to the proceeds of that refund. It is clear NMAC has no issue continuing its illegal behavior and in continuing to unfairly treat and abuse its victims.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time XXXXXXXX XXXX XXXX XXXXXXXX has been issued an invoice in regards to the punitive damages of injury caused by their agents ' negligence after performing an action ( willingly and intentionally ) carelessly violating my consumer rights protected by federal law. 15 US Code 6803 clearly states " b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. '' Experian is a nonaffiliated third party. After OPTING OUT of a credit Authorization which again is NOT needed for consumer credit transaction, and when FAIRWAY is only trying to charge me for a security ( application ). FAIRWAY has not provided documentary evidence in where obtaining my private information and Credit score " is required.. nonetheless, pursuant to 12 U.S Code sec 83 " ( a ) General prohibition- No national bank shall make any loan or discount on the security of the shares of its own capital stock. '' Thus running my credit for a " bank loan '' is obsolete and nonexistent. FAIRWAY now has a civil liability and obligation due to me. I am requesting to continue the purchase of my mortgage contract. not to be resold to me and charged twice. I am entering into a consumer credit transaction. XXXXXXXX XXXX XXXXXXXX have not been acknowledge yet All agents are willingly and intentionally being neglectful with remedying this affair. I will not hesitate to recover these consumer injuries to a federal court of law, while also subpoenaing any records pertaining to the opening of a credit accounts also any ledgers showing " double dipping " of my XXXX XXXX XXXX funds/credits. An application has already been submitted, credits have been requested upon application
Product: Credit reporting, credit repair services, or other personal consumer reports

This account ARS is a complete violation of the no surprise act. Delete immediately my privacy is protected under XXXX XXXX if you fail to remove litagations will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I request the removal of an eviction record associated with my name which I believe is inaccurate or unjustified. 
Under the Fair Credit Reporting Act ( FCRS ) I have the right to dispute any inaccuracies in my consumer report. I believe this eviction record is erroneous for the following reasons would cause extreme hardship and lack of gaining housing for myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full an auto loan with USAA. USAA sent me a letter verifying that the loan was paid in full. I verified with them via phoncon the loan was paid in full on the phone. In the processing of refinancing my home the lender pulled my credit which showed a collection from USAA for the auto loan paid less than the full amount. I called them and they stated there was a glitch in the system that caused the error to be submitted to the Credit Bureau. I have tried to call them to remove the error from my credit report and they state they are working on it and in the mean time I am unable to refinance due to their self admitted error/glitch in the system.I escalated the error to the highest level and they were unable to give a satisfactory answer.
Product: Debt collection

On XXXX XXXX, I submitted a reply to Capital Management Services , LP 's letter received around XXXX XXXX of XXXX, regarding their intent to resolve a delinquent debt of XXXX. This debt was charged off by XXXX. I recall working with Capital Management Services in the past around XXXX, I believe. Then I was XXXX. The debt then went to another collector from somewhere in Texas. The name of the company was XXXX XXXX XXXX XXXX XXXX I was contacted by them around XXXX in the spring. I requested a verification of debt letter. Instead, it appears after two years, they passed the debt back to Capital management. So, this was when I submitted the debt verification letter to Capital Management. They acknowledged receipt of the letter. I have taken pictures of the certified letter I sent. But instead of responding back to me, they contacted my co-signer and told them I was not willing to pay and demanded the full amount from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEVED AN EMAIL FROM XXXX  XXXX THAT THERE WAS AN INQUIRY ON MY REPORT ON XX/XX/2019,  IT WAS FROM SYCRONB/XXXX. WHEN I CALLED THEY HAD NO INFORMATION ON MY SOCIAL SECURITY NUMBER, BUT WHEN ASKED MY NAME I ONLY MENTIONED MY LAST NAME XXXX AND THEY ASKED IF MY FIRST NAME IS XXXX WHICH IS MY SONS NAME WHO IS XXXX XXXX AND DOES NOT APPLY OR IS ABLE TO DO SUCH FOR HIMSELF. SO THE GENTLEMAN SAID THAT IT WAS A CARD FOR JCPENNYS. I DONT EVEN SHOP THERE AT ALL AND HAVE NOT APPLIED TO ANY CREDIT CARD COMPANY AT ALL. THIS INQUIRY NEEDS TO BE REMOVED FROM MY ACCOUNT AS IT DOES NOT LOOK GOOD AND IS LOWERING MY SCORE.
Product: Credit reporting or other personal consumer reports

My credit report is still showing late payments on XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or a customer service representative.
Product: Debt collection

.Jefferson Capital systems is actively trying to collect a debt {$470.00} for XXXX that is from XXXX and was a charge off in XXXX. Jefferson 2 years later XXXX starts collection process reports collection debt on my credit report. Montana state law states debt collection must stop and cease 5 years after debt was aquired! It's been 9 years when debt originated XXXX! Need this off credit report ASAP and that my credit report be updated accurately and report reflects score that should have been positive score since XXXX before putting this on credit report in first place! This has effected my ability to get loans at lower interest rates or refinance current loans!! Jefferson Capital Systems is breaking the law by actively trying to collect a debt that is almost 10 years old!!