23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a letter from the IRS dated XX/XX/XXXX saying that they received a XXXX from Ditech Financial LLC claiming I had a debt of {$20000.00} in XXXX and I needed to pay taxes on the Cancellation of debt, about {$3000.00} dollars. 

Ditech Financial LLC XXXX XXXX XXXX XXXX, AZ XXXX I mailed and faxed a dispute on XXXX to Ditech explaining I have never applied for any kind of credit from Ditech Financial LLC. I requested a copy of the 1099-C and any information they may have regarding this fraudulent debt under my name. I suggested investigation should be open immediately within Ditech Financial LLC to get this matter resolved as soon as possible and clear my name. 

I informed, faxed evidence of identity theft to the IRS personnel XXXX XXXX XXXX, stating that was not my debt and asked for an investigation to be opened with tax fraud to get this off of my name. The IRS didn't do anything and is still trying to collect taxes on the debt from Ditech. 

I received no letters or phone calls or any action was taken to resolve this matter from Ditech or the IRS, today is XX/XX/XXXX and nothing has been resolved. 

I informed the Credit Bureaus as soon as this happened and they placed an Identity theft alert on my profile right away. I have contacted local police to open an investigation as an attempt to get this resolved.
Product: Vehicle loan or lease

Credit Acceptance Corporation Has the Nerve to send even more extorting and evidence of fraud. The company is so used to committing fraud, it doesn't even know it's doing it. The company has the nerve to send me a letter stating they plan on selling my property at auction to make even more money after extorting me out of my interest payments for years, well I reported Credit Acceptance Corporation, Credit Acceptance Funding LLC, Credit Acceptance Auto Loan Trust and all its representatives to the Federal Trade Commission reference # : XXXX for book-entry securities fraud, extortion, tax evasion, embezzlement, and every other violation the companies are blatantly committing. I wrote the Governor in my state, and the Secretary of State. And I'm wondering my Account is still due XXXX in interest and the company is still playing in my face, my car better be back in front of my house immediately. no titles rights or interest past due to fraud. Return my property that was in my automobile and the automobile and my interest payments and the payments that was deposited on top of that. 
XXXX XXXX
Product: Credit card or prepaid card

THE LIST OF CONCERN THAT I WOULD LIKE TO MAKE KNOWN TO FCC, XXXX, FTC, HAS BE A ONGOING ISSUES WITH SELF LENDER FINANCIAL. 
1. PAYMENT SYSTEM ERROS SINCE XXXX I WILL UPLOAD PICTURES FOR THE RECORD. 
2. SELF LENDER FINANCIAL OFTEN DELAY CUSTOMERS PAYMENT DELIBERATELY THIS A PATTERN THAT THIS COMPANY DUE TO HARM THERE CUSTOMER CREDIT REPORT FOR LATE PAYMENT.

3. NEXT CONCERN DURING THE STATE OF EMERGENCY SELF LENDER FINANCIAL DELIBERATELY MESS CUSTOMERS CREDIT REPORT ALWAYS / FOR THE BILLING ISSUES IT DOESNT MATTER IF U PAY YOU {$15.00} PAYMENT ON TIME OR 8 DAYS BEFORE UR DUE OR IF U MAKE DOUBLE PAYMENTS THE CUSTOMERS WILL ALWAYS BE WRONG FOR MAKING DOUBLE PAYMENT. 
4. WHEN I TOLD THESE AGENT XXXX AND XXXX AND MANY OTHER THAT THERE BILLING SYSTEM IS BROKEN! I TOLD THEM ON MANY DATES AND TIME FROM XXXX XX/XX/2020 I WAS TOLD BY TWO AGENT THEIR RESPONE WE JUST WORK HERE AND WE DONT CARE ABOUT SELF LENDER IAM JUST HERE TO GET A CHECK WE DONT CARE ABOUT CUSTOMERS ISSUES OR CONCERNS AT ALL 5. I JUST NEED TO THIS COMPANY TO DO BETTER WITH THEIR CUSTOMER CARE AND TREAT PEOPLE LIKE HUMANS INSTEAD OF BLOW CUSTOMERS OFF AND DROPPING THE BALL .. 

THE AGENT TOLD BE HE DIDNT FEEL LIKE WORKING AND HE HAS BETTER STUFF TO DO AT HOME INSTEAD OF WORKING ON THE CLOCK FOR SLEF LENDER GIVE ME A CALL ON THIS FIX PLEASE AND THANK YOU MR .XXXX
Product: Debt collection

I negotiated a delete off my credit with these people, for payment. I paid, requested confirmation, and documentation of the delete. They now refuse. 

Initial Call and payment made Tuesday, XX/XX/2020 - Agent on a record line agreed that a payment made at the amount I was informed of and paid would result in a credit deletion. I requested confirmation via documentation, they said it was being sent. 
Thursday XX/XX/XXXX, after multiple days waiting an no confirmation recieved, I called again. After an hour on hold, I was informed an email would be sent within 24 hours confirming once again, a delete would be performed, and that the account was satisfied. 

Monday XX/XX/2020 - Did not receive confirmation, called again. Automated system implied that I owed money, Agents incredibly rude, insisted on talking over me, did not want to transfer me to supervisor to resolve. Insisted they don't DO deletes, and that if someone promised me that, they were wrong. Agent was incredibly rude, kept talking over me like I was stupid, refused to let me speak, tried saying it took over two weeks to send an email. 
When I complained previously about the debt, it took them less than 12 hours to reply when I still owed, so it seems like this company only wants to work with you when amounts are owed, not when they are on the hook.
Product: Credit reporting or other personal consumer reports

I got a copy of my TransUnion Credit Report just recently, and I noticed that an inquiry was made on XX/XX/2023 on the basis of " employment '' from a Company called : XXXX XXXX via XXXX XXXX XXXX ( address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ). However, I did not authorize them to do this. I don't even know who this company is. I never gave any written permission for this company to access my credit report. Furthermore, I'm XXXX and haven't worked for over the last couple of years. So, for them to gain access to my credit report based on employment is completely false.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Loan Amount {$27000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX XXXX XXXX Loan Amount {$500.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$250.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account Unknown Creditor Loan Amount {$40.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX XXXX Loan Amount {$15000.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account XXXX Loan Amount {$83.00} Account number XXXX Date opened XX/XX/XXXX This account is from identity theft. I never applied for this account
Product: Debt collection

I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : XXXX XXXX XXXX # XXXX
Product: Credit card

I electronically sent a 2 payments totalling a full payment to Citi Double Cash ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) before a XXXX XXXX, 2016 due date and was assessed interest when my second payment was not processed until XXXX XXXX, 2016. On XXXX XXXX, 2016 I was assessed interest of {$10.00} because Citi claims I did not pay in full by XXXX XXXX, 2016. This was not a case of late payment, just a case of payment processing past the due date. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent in a combined full payment to Citi Double Cash before the XXXX XXXX, 2016 due date and was again assessed interest of {$17.00} on XXXX XXXX, 2016. I challenged the XXXX XXXX, 2016 interest because my XXXX payment was processed well before the due date. I was told that Citi is allowed to charge interest for AT LEAST 2 months, whether or not full payments are made by the due dates, if a payment is processed late. I checked my other credit card terms and none of them has this abusive means to collect at least 2 months of interest. Here 's what Citi claims they have a right to do. 

" If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. ''
Product: Student loan

XX/XX/XXXX I submitted request for School Misconduct Discharge Application from Navients Office of Consumer Advocate. They denied my request of the application stating that i did not qualify since my loans have been re-financed, however my loans are still under ownership of Navient. 

I have {$100000.00} in loans from the for-profit school, XXXX XXXX XXXX this school and Navient have been in several class action lawsuits, which borrowers claim they mislead students and Navient of predatory loan practices. These loan practices and over-promises from the XXXX XXXX have negatively impacted my financial situation and mental health significantly. In the past 12 years i have paid {$80000.00} towards interest without going to the original principle. 
In XXXX of XXXX i could no longer make payments to these loans due to their significant impact on me financially, my credit score has gone from close to XXXX to a low XXXX. 

Under the Borrow Defense Act, all of my federal student loans have been erased through and i have gotten back my paid amounts. I am asking Navient to take the same responsibility in their actions, as these loans violate my rights as a consumer. I have acquired legal counsel to discharge these loans and re-compensate in full of payments made in past to these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had information removed from my Equifax credit report twice and they have sent notification that the information was being removed however within 2 weeks the information was placed back on my file.
Product: Credit card

On XX/XX/XXXX I subscribed to a prescription medication from the company XXXX  The subscription was for a 180 day supply and my original receipt states that I had 170 days to cancel the subscription if I didnt want to renew it. 
On day 161 after my purchase, XX/XX/XXXX, XXXX improperly charged me {$190.00} for a refill that I did not want, and still had 9 days left to cancel. 
I contacted XXXX immediately on XXXX XXXX, to alert them of their mistake, so that they would not send the package, but they refused to refund me or stop the shipment, even though they ended up shipping it more than 48 hours later- so that had plenty of time to prevent this whole mess. 
On XX/XX/XXXX I filed a dispute with my credit card company. 
On XX/XX/XXXX my dispute was denied, and on the same day I reopened the dispute. 
On XXXX XXXX XXXX I called and spoke with a supervisor with Apple Card Support and went through my evidence who agreed that the merchant made an unauthorized charge on my card, and assured me that the investigator would receive my documentation. 
On XX/XX/XXXX my dispute was once again denied, and I reopened it on the same day. 
On XX/XX/XXXX I spoke with another supervisor who also went through my evidence and agreed the charge was unauthorized. She opened up a complaint and escalated it. I have not yet heard back from them even though someone was supposed to call me within 10 days. 
Yesterday, XXXX XXXX XXXX I received a packet in the mail explaining why my dispute was rejected, and its clear that whoever investigated my case, did not read any of the materials that I submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts. 

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

On XX/XX/2021, XXXX XXXX XXXX flagged an account as collections with Experian. On XX/XX/2021, XXXX flagged the same account as collection reporting the account that I dispute, in whole or part twice in a 30 day period in the same month about a week apart. I contact Experian by phone 3 times on XX/XX/2021. On the first call, I could not reach an agent because there was not an option to speak to an agent about a wrongful flagging. Then I called using a different number and was able to talk to a person. Twice I was put on hold. The first time I was put on hold was after the agent looked at the transaction and agreed it was a violation and routed my call to a dispute agent. I was on hold until the fully charged battery on my phone died. I got another phone and called back. I was transferred to an agent who would not admit to an error in reporting until after talking to her for a very long time. She also routed my call to a dispute agent after telling me I was not supposed to remain on hold that long and she would transfer me to an agent that could take the call. After the transfer, I got a message saying my wait time would be greater than 15 minutes. The 2 calls lasted 1:45:35 mostly on hold. Both agents agreed the 2 reportings in the same month a week apart were violations. But, both directed me to a dispute agent who I finally got to speak with who also agreed the 2 reportings in the same month one week apart was a violation. But opted to handle the matter knowing it was a violation under a dispute process giving XXXX the opportunity to respond to an action they know violates the FCRA. Experian acknowledged it was a violation and XXXX knowing performed a violation on my personal credit report to intentionally harm my creditworthiness. An action I assert is harrassment. An intentional action to damage my personal credit report and score or to stall out any progress to improve my credit score. I was told it would take 30 days to allow XXXX to respond to an action all 3 agents admitted was a violation. My complaint is directed at Experian, a credit reporting agency, and XXXX XXXX XXXX, a collection agency/debt buying firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been listing me as deceased on my credit report despite multiple phone calls and certified letters informing them that XXXX have mixed my deceased mothers accounts with mine. These accounts are not mine I have sent them proof of life including my current adress XXXX XXXX XXXX XXXX il XXXXeven my passport, social security card and my current utility bill but they have failed to remove this XXXX XXXX inaccurate account. I have attached a photo of this account from my most recent credit report XX/XX/2023, Confirmation # XXXX ) along with of the past certified letters which I will provide below sent XXXXDespite my requests and evidence to prove this is a mix file and I am not dead, Equifax has ignored me, continued to list me as dead and violated my FCRA rights. I am not dead please help
Product: Debt collection

Basically in a nutshell I paid a bill that I owed the original collection agency XXXX XXXX the bill was in the amount of {$110.00} XX/XX/XXXX. Then I got a letter a month later from Professional Placement I explain to the personnel that I paid that bill. I never heard anything else from the company. XX/XX/XXXX the same bill resurfaces for {$110.00} from a company called Professional Placement they placed the erroneous collection on my file five times for a total of {$570.00} on my credit it looks like I owe five different late payments, I lost XXXX points because of this and the bill has been paid in full. This is the result of selling debt over and over.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have a 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 XXXX XXXX # XXXX
Product: Student loan

XX/XX/XXXX a loan was taken from XXXX. To date, the loan has been switched to Discover Student Loans as this company bought XXXX. In XX/XX/XXXXthe loan was beginning to be repaid. The loan was for approximately {$14000.00} and I have paid back {$16000.00} in seven years faithfully. I work as a teacher at a non-profit school and hI have a salary of {$34000.00} this year. Previously my salary began at {$26000.00} when I began paying back the loan. I have paid back more than the original loan by {$2000.00}. Discover says that I still owe approximately {$14000.00} due to an interest rate of 12.875 % now. I was never told that I could refinance this rate until now.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXXXXXX XXXX on XX/XX/2022 ; XXXX  XXXX on XX/XX/2022 ; XXXX XXXX XXXX ( Reseller ) on XX/XX/2022 ; XXXX XXXX on XX/XX/2022 and there is XXXX XXXX XXXX on XX/XX/2022 The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit card

Have an XXXX card from 1st Bank, Omaha, Advertising tells of many benefits including points for room cost reductions. Can not get full info on what points are worth. Many hoops to jump through to convert points so may use etc. Neither XXXX nor the bank is helpful on explanation. Bank is now ignoring requests for information.
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from reporting on my credit Experian Report Number : XXXX Account Name : XXXX/XXXX   Account number : XXXX Date open : XX/XX/XXXX {$750.00} {$770.00} Account Name : XXXX  XXXX XXXX  XXXX  Account number : XXXX {$700.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX XXXX  Account number : XXXX {$1000.00} Date open : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX XXXX  XXXX Account number : XXXX {$1600.00} Date open : Date open : XX/XX/XXXX By Mail Only Account Name : XXXX XXXX  XXXX  Account number : XXXX {$2900.00} Date : XX/XX/XXXX ( XXXX ) XXXX Account Name : XXXX Account number : XXXX Date open : XX/XX/XXXX {$330.00} My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help
Product: Debt collection

I don't recall having a contractual relationship with this collection company National Credit Systems. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

Serious Negative delinquency from citi bank on behalf of best buy falsely charging me an annual fee when i dont have any best buy accounts transaction is 2019 or older please show me documentation Showing proof of transaction showing I was ever late to Support your inaccurate reporting on my account if you can not supply this please delete this alleged late payment from my credit report. 

the FCRA allows 30 days for this to be rectified
Product: Debt collection

This company failed to verify the debt to me, despite being asked to, and then continued to attempt to collect. There is no way for me to confirm that this is a valid debt, as they refuse to provide such information to me. The company is Tasman Credit/Creditcoro Solutions .
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX