23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collector Phoenix Financial Services keep accessing my credit. XXXX and XXXX they did the same thing for some bill in Florida. I already advised them multiple times that it's ID theft. I dispute the debt. They are fraudulent practice. I live in the XXXX XXXX XXXX and they don't have a business license. Any information sent to the credit reporting agencies will result in a lawsuit. Before, I asked for the bill statement, the medical provider information, did they send to health insurance and auto insurance companies. 



I want to know the creditor name, if the account is time barring, the age of the account, reporting information, amount on the account. Removed all information of credit reporting agencies. 


Remember : I dispute the entire balance.
Product: Student loan

It required a previous CFPB complaint to get Aidvantages attention to assist me in enrolling my loans into auto pay. Now, although my loans claim they are in auto pay, payments are not being made when my account claims it will do so. I am worried about making a manual payment since I dont know if the auto payment will be made or not. In my last CFPB complaint, I noted that calling Aidvantage would always leave you with a voicemail inbox that couldnt accept messages and it would hang up on you. I have now been on wait for more than an hour today spanning two different calls to Aidvantage. They did not fix the voicemail inbox issue, they just removed the voicemail inbox all together. Now you are just on hold with no indication of ever actually speaking to anyone. I just want to pay my loan and trust that the information provided to me by Aidvantage is accurate. Aidvantage is not permitting me to achieve either of these goals.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been reporting me to the credit Bureaus. 
XXXX I sent letters to the Bureaus and to the collection companies. The accounts still remain and have not been fully validated. 
After 45 days the accounts were removed from my credit report and now recently they're reporting the same accounts that were closed as active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been having a problem with Navient since XXXX 2016. They REFUSE to acknowledge that I have properly sent them paperwork for an income based repayment plan. I have fax machine confirmations that the paperwork has been properly sent. Earlier this year I contacted them about this problem because they have falsely reported to credit reporting agencies that my account is delinquent. They put the loan into forbearance and gave me until XXXX to fax the paperwork again. I did this in XXXX. Now I have credit reporting agencies calling me again telling me that Navient is once again reporting the account as delinquent despite having the paperwork they demanded. Once again, they say they never received it. The fax confirmation says otherwise. They are DESTROYING my credit report maliciously and without provocation. I have done everything I am supposed to do. They are doing this to millions of people, it 's why you 're already suing them.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX , GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXXXXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX XXXXXXXX XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 



Sincerely, XXXX XXXX
Product: Checking or savings account

Since the app was updated a few days ago, im not being abble to access to my online banking because is asking my SSN, Im not XXXX XXXX  and resident so I dont have SSN.
Product: Debt or credit management

I was enrolled in Liberty Debt Relief and was able to refinance our house to pay off some credit cards. I requested a payoff amount and was assured that the amount I was given was the final amount needed, that if it wasnt enough to pay everything off, the company would pay that amount and I would still not owe anything else. Several months have passed and now Liberty Debt Relief has told me I still owe them {$800.00}. I explained to them that I was told there would be no more funds needed. They refuse to listen and tell me nobody said this or that I misunderstood. I am now out another {$800.00}. I specifically asked so that I would be able to keep some money aside for this type of issue, but was repeatedly assured that I would not have to pay anything else.
Product: Credit card

Inaccurate and misleading response to a cfpb complaint regarding the application process and inquiries on a Citibank account on my credit report. See attached. 
Regarding XXXX inquiries made in attempt to acquire a Citibank card. 
Regarding the inquiries : Application made on XXXX XXXX, XXXX was declined due to a recently established account -- I do NOT have a Citibank card. I received a letter declining the application stating that I had already had a Citibank card, I do NOT. The letter from the executive response unit also states this as a fact, it is incorrect and is a fact that can be proven. The inquiry needs to be deleted from my credit report as it was incorrectly processed by the Citibank system and therefore was not any possibility to be a valid and good faith inquiry based on the Citibank system, which is confirmed by the response given to the cfpb. The response goes on to state that a call was made by myself to the customer service dept regarding this account, again, which I do NOT have, and that after I called Citibank I never called back. There was NO REASON TO CALL BACK. Please review and provide a FULL TRANSCRIPT of the call which will completely explain what was discussed. Delete the inquiry. 
Regarding the application made on XXXX XXXX, XXXX -- -I was directed by the fraud department of Citibank ( as resulting from the above-mentioned call to customer service ) to make yet another inquiry, and to use a different address when making the third application for a Citibank card. I used my business address. In the response letter to cfpb it states that in this inquiry/application, my social security number could not be verified and a letter was sent to me with no response. 1 ) I never received a letter, 2 ) the social security number was clearly valid for the attempted applications made on XXXX XXXX, XXXX and XXXX XXXX, XXXX, so why was the 3rd application not validitated. 
I am again noting and was completely ignored and not addressed, that I have an identical twin brother with the same birthdate, same home address, and he has a consecutive social security number, which the customer service fraud department representative was made aware of and responded to in my call in to customer service regarding the SECOND application I attempted to make. There is NO FRAUD but there is a mix up in the application process of the Citibank system and this needs to be addressed and corrected. 
The response letter from the executive response unit nicely quotes legalities of the online terms and conditions for submitting online applications that Citibank is authorized to pull credit. Do they read what they write to the cfpb and the consumer? Does this make sense? Is this an actual response? Delete inquiries # XXXX and # XXXX from my credit report because there was no possibility of accurate consideration of these XXXX applications. I am certain this is happening to other consumers in their attempts as well, and this should be investigated if not resolvable.
Product: Credit reporting or other personal consumer reports

theres several delinquent accounts as well as incorrect information on my credit report that should be removed due to the F.C.R.A THESE SHOULD BE REMOVED AS WELL AS THE PERSONAL INFORMATION UPDATED to ONE NAME, ADDRESS AND SOCIAL SECURITY NUMBER
Product: Credit card

Upon reviewing my credit report I noted an XXXX credit card on my account that I have no recollection of opening. I submitted a dispute with the Reporting Bureau XXXX and it came back verified. I mailed a certified letter to XXXX on XXXX XXXX asking for validation of this debt and just received a response letter from them on XXXX XXXX. Their letter stated the following : The contract date was XXXX XXXX and there was a payment in the amount of {$50.00} in XX/XX/XXXX and the date of first delinquency was XXXX XXXX. They also stated it was sold to a collection agency called XXXX XXXX in XXXX XXXX. They also noted that they sent my recent correspondence to XXXX. They also reviewed the reporting and stated in their letter that they were inaccurately reporting to XXXX and would update my report. Per my letter requesting validation of this debt they have failed to provide my any evidence that this account is mine. I wish to have this inaccurate information removed from all XXXX credit Bureaus
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my privacy and confidentiality under FCR 15 USC 1681 XXXX # XXXX - XXXX XXXX Acct. # XXXX XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX XXXX 
Acct. # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 section 602 A states I have the right to privacy.

15USC 1681 section 604A section 1 states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) states that no consumer report 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 more than seven years.

15USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency or person knows or has reasonable cause to believe that the information is inaccurate. 
I request that these accounts are removed from my report of credit due to these violations and inaccuracy of the reporting.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE I urgently request that you take immediate action to eliminate the fraudulent inquiries from my credit report, as I did not authorize them and they are causing me considerable distress. It's unjust for me to be held accountable for accounts I didn't initiate, so I implore you to resolve this matter promptly.
Product: Credit reporting or other personal consumer reports

There are unauthorized inquiries on my credit report that I didnt approve. Please remove them as they violate 15 USC 16c-2.
Product: Credit reporting or other personal consumer reports

My account with these company was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my account Im noticed that this account is still reporting. Letter requesting validation was originally sent XX/XX/2020. It appears that on XX/XX/2020 Advanced collection Bureau add a derogatory mark on my credit report per XXXX XXXX Upon, further research this account was transferred/sold and I am no longer responsible for this account. Debtors creditor did not Validate this collection. Also, there is no written form of communication, contract or signature this this accused debt at all. A Bill without a written signature does not validate the debt and anyone can send a bill and say its mine. According to the FCRA, ADVANCED COLLECTION BUREAU has violated my rights as a consumer and Im request legal action to remove this account immediately. IVE ATTACHED A COPY OF CERTIFIED RECEIPT ALONG WITH LETTER RECEIEVED BY DEBT COLLECTOR FOR RECORD PURPOSES.
Product: Credit card

When I voiced myself with the woman- please note- this time I did not catch the name, had it been 2 months prior- I would have, along with an employee ID number or something, because as mentioned before, I am just about done. The purposed of my call to XXXX had to do with me attempting to speak with XXXX XXXX because the CFPB notified me that DFS- XXXX XXXX ... requested for a 60 day extension. This information was given to me hours AFTER I had sent my 2nd follow up email to XXXX the first was more of a thank you but both emails did request for DFS to update me about any new information regarding my concerns- at their earliest convenience. Whoever I spoke with in lieu of XXXX though that she was doing the right thing by CALLING THE LOCAL POLICE TO HAVE THEM COME AND DO A WELLNESS CHECK ON ME- SO ONCE AGAIN, THANK YOU DFS- DISCOVER CC- DISCOVER BANK FOR MAKING ME FEEL AWFUL. XXXX, I just needed a break- and seeing that my issues started ( LIKE FULL MOMENTUM ) in XXXX I THINK THAT IT MIGHT BE OKAY TO FEEL A LITTLE DEFEATED. 
I would like to state that I DID SAY I NEEDED HELP- NOT THE POLICE 's TO COME AND MAKE SURE I DO N'T XXXX- I NEEDED DFS and the people who work there, SAY WHAT THEY MEAN, AND MEAN WHAT THEY SAY. IF I DO NOT KNOW WHAT I AM PAYING FOR- ACCORDING TO THE FTC- I DO NOT HAVE TO PAY. SOOOOOOOOO- XXXX XXXX is coming up soon- and my inquiries about my TRANSFER BALANCES- were initiated on XXXX XXXX with clear PROMISE that I would be provided an answer in 72 hours. IT HAS BEEN ALMOST A MONTH- and 6 billing reps later- THE SUPERVISOR- XXXX assured an answer by XXXX DO N'T TELL ME THESE THINGS WILL HAPPEN- and then DROP THE BALL, ESP BC IT WAS ALWAYS THE REP WHOM I SPOKE TO, that put themselves in that very situation. 


Regardless, I did need help- I NEEDED A BREAK, bc MICROMANAGING MY DFS ACCOUNT has been a NIGHTMARE. AND HONESTLY- WHOEVER CALLED THE POLICE TO COME CHECK UP ON ME, PROBABLY SHOULD HAVE UNDERSTOOD A LITTLE BIT MORE ABOUT WHY I WOULD CLAIM TO BE TIRED or state that I HAVE LOST SLEEP. BUT NO- did n't look up my info, just sent the police instead. SO THANKY YOU - FOR ONCE AGAIN, MAKING ME FEEL LIKE I AM XXXX, FOR THE MOST PART- I AM JUST ASKING FOR INFORMATION REPS HAVE PROMISED, BUT NEVER DELIVERED- of course there are other issues but ONCE AGAIN- I AM TIRED- DFS has WORN ME OUT- and I CAN NOT WRITE ABOUT THIS ANYMORE. I WOULD TO STATE- ON THE RECORD, NOOOO - ME WRITING THAT I CA N'T DO IT- as in I CA N'T CONTINUE WRITING ESP NOT ANOTHER REPORT- DOES NOT MEAN I WANT TO XXXX or ANYONE AROUND ME.
Product: Payday loan, title loan, or personal loan

Monday XX/XX/2023 apply for a line of credit XXXX and was denied credit. I feel they didn't give me credit because maybe low score or income purposes..which is q violation of the equal credit opportunity act.for discrimination of some sort
Product: Mortgage

CONSUMER COMPLAINT RE : DITECH FINANCIALL LLC XXXX ( XXXX ) XXXX RE : PRINCIPAL PAYMENTS & DISCREPANCY ON PRINCIPAL BALANCE The XXXX issues of concern with DiTech Financial are : 1 ) Monthly principal payments of XXXX that are directed to principal payment only are not properly allocated. I have had to call DiTech customer service frequently to request monies to be reallocated to principal payment As a result of my frequent calling, I have been monitoring & printing my monthly on line statements for my record keeping. 
2 ) My on line XXXX 2016 statement shows a principal balance of {>= $1,000,000}, the following month 's on line statement shows a principal balance of {$68000.00} a difference of {$1000.00}. I contacted DiTech via phone and email regarding this discrepancy. They sent me a letter via e-mail indicating my account will be reviewed and a written response would be provided with the 30 days of receipt of my email of XXXX XXXX, 2016. Additionally on XXXX/XXXX/16 I faxed a copy of my XXXX 2016 on line statement to DiTech ; clearly noting the principal balance of {$67000.00} this according to my records is the accurate amount. 
Yesterday, on XXXX XXXX I called DiTech once again, spoke with a supervisor, named XXXX. I relayed my issues of concern again. I shared I have not received a written response nor a response from the XXXX email I sent. She said a written response was mailed out along with audit of my account. I told her I did not receive it. While on the phone with her she e- mailed the written response along with audit of my account. 
The result of their audit shows the principal balance remains as {$68000.00}, a figure I do not agree with. 
XXXX shared the following : mailed statements vs. on line statements do not have the same figures. This is due to the maintenance of my account and payments being reallocated to principal. 
This explanation is not acceptable nor does it make sense. I am very concerned about this company 's business practices. I do not trust how they are handling my monies. As a result of my experience with DiTech Financial, I went on line and found a website with over XXXX complaints regaarding this company which I have included for your review : Top XXXX Complaints and Reviews about Ditech ... 
XXXX I would greatly appreciate your assistance with the issues of concern I have mentioned. In addition to investigating this companies business practices and how they are managing funds. If further information is needed, please contact me on my cell phone. 
Thank you so very much
Product: Debt collection

Portfolio Recovery Associates LLC is claiming an alleged debt owed to them. However, they NEVER provided written notice or proof of ownership of debt at any moment. I have disputed this issue with both credit bureaus as well as Collection agency. This account was not left in bad standings, and the debt mentioned by the collection agency is completely wrong and invalid, as all debts were paid. I am requesting the ORIGINAL PURCHASE AGREEMENT with the exact amount allegedly owed, guaranteed by the original creditor. A bank statement from an original creditor is NOT proof that the debt is still currently owed. I have requested this information from the collection agency and they have refused to provide it. I have also received a call from another credit collection agency trying to collect on this same debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 USC 1681C-2 ) that you, XXXX CREDIT REPORTING AGENCY, block information Appearing on my consumer credit report that is the result of identity theft and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consists of a personal credit card account Opened on XXXX XXXX at XXXX XXXX Under the account number below, and auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/year> below. A personal loan account opened at XXXX XXXX XXXX  on XX/XX/year> under account # below and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX, XXXX that appears related to the aforementioned personal loan account opened XXXX. Validate Account XXXX XXXX  XXXX Remove 2.Validate Account XXXX XXXX XXXX Remove 3. Validate Account XXXX XXXX Remove 4. Validate Account XXXX XXXX XXXX XXXX Remove ReMOVE 5. Validate Account XXXX XXXX XXXX Remove These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my FICO Credit Report I've attached a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned. Fraudulent Items I do not recognize the aforementioned accounts, collections, or hard inquiries. As reported the aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you. Were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint private case number. As proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address : XXXX XXXX