23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Accelerated Inventory Management sold the debt to three different debt collectors on the exact date. First I heard of debt was a call XX/XX/XXXX XXXX XXXX, the man refused to Properly state his name and said I was obligated to pay this debt since he had accessed my credit report without my permission. I claimed a violation of my privacy, he hung up. Calls were monitored for quality assurance purposes. Later that month I received a written debt letter, I requested validation, XX/XX/XXXX. Received response XX/XX/XXXX. Letter indicated purchase of debt XX/XX/XXXX. On XXXX, XXXX, received a debt collection letter from XXXX, XXXX, XXXX, I requested validation XX/XX/XXXX, within my time frame. Verification received approximately, XX/XX/XXXX. On XX/XX/XXXX, I was served a court summons. Accelerated Inventory Management Company sold this debt to three collectors all on XX/XX/XXXX. XXXX XXXX XXXX XXXX never contacted me just put it on my credit report as date opened XX/XX/XXXX. I am disputing a practice that seems deceptive by having proof submitted to the court all three debts purchased by three different debt buyers aka attorneys on the same date by Accelerated Inventory Management. The court summons from XXXX, etc included a bill of sale purchased debt XX/XX/XXXX. I stated my case to XXXX XXXX XXXX XXXX in a response summons to my defense within the 20 days. I am reporting what I consider violation of my privacy by XXXX XXXX, admitting in a harassing phone call XXXX, XXXX having gained accessible un authorized permission to pull my credit report. I consider three debt companies all purchasing the same debt on the same exact date to be an unfair deceptive practice by AIM co, LLC, thus confusing me as to accurate and legality of purchases all made the same exact date. XXXX, etc also claimed in the summons falsely countless attempts to contact me? First I heard of them was XXXX, XXXX. I have documents clearly documenting my complaint.
Product: Debt collection

I closed my XXXX XXXX account via the chat agent on XX/XX/year> and there were no pending charges at that time. Note that XXXX tries to schedule a phone call with you to close the account but will not schedule it until after the next billing cycle has begun to try to charge you for another month. Instead, I worked with the Chat agent who sent me a link to close the account and of course I have screen shots of the entire transaction. The XXXX XXXX XXXX XXXX even sent me a message via text saying that my case had been closed and no further action was required. I also returned the XXXX equipment they requested at that time and of course have that receipt as well. 

Ignoring all this, XXXX continued to bill me even though I reached out to them numerous times to remind them that the account was closed on XX/XX/year>. On XX/XX/year> I sent them a paper letter again reminding them that the account had been closed in XXXX and included all documentation and receipts. 

XXXX ignored this letter as well, continued to bill me, and sent threatening letters and emails about not paying my bill. 

It appears they continued to try and bill me after the account was closed, which I did and will not pay, then sent it to collections as if I had not closed the account. I sent them a letter with all details on XX/XX/year> and never received any response. 

At some point it appears they even sent it to a 3rd party collection agency as it showed up as a collection on my credit report in XXXX. Of course, I have disputed this with the credit bureau, but no one has yet responded. 

This is clearly some kind of scam by XXXX to keep billing customers even after they have disconnected their service. They make it very easy to obtain service on line, but apparently nearly impossible to disconnect your service.
Product: Credit reporting or other personal consumer reports

Exeter Finance violated NC state law during the process of repossession of my previous vehicle I had financed with them. Exeter finance broke NC state law : Notification of Sale : After repossession, the creditor is required to provide the consumer with a " Notification of Sale. '' This notice MUST include information about the sale of the repossessed collateral, including the date, time, and location of the sale. It also informs the consumer of their right to redeem the collateral by paying the outstanding balance, as well as any additional fees associated with the repossession. At no time did Exeter Finance mail me this information per my consumer rights in NC, thus I was not given the chance to bid on the vehicle at auction. Furthermore, Date last active, date of last payment and the payment history being reported due not meet XXXX standards and also are in direct violation of the FCRA.
Product: Student loan

My loan servicer for all of my loans is MOHELA. I am on he SAVE payment plan. According to srudentaid.gov, interest has been accruing on my loans during the payment pause, despite receiving letter from MOHELA this would not happen in XXXX and XX/XX/XXXX. They then sent me a letter in XX/XX/XXXX saying interest accrues in Forbearance, but I'm in the SAVE forbearance, so this should not be happening, per studentaid.gov website. I called MOHELA today ( XX/XX/XXXX ), and they tried to tell me interest was not accruing, despite me quoting the exact amount from studentaid.gov. ( over {$470.00} of interest has accrued ). 

MOHELA customer service rep also confirmed that they received by IBR application that I submitted on XX/XX/XXXX on the studentaid.gov website. MOHELA told me they are not going to process my IBR application because I am on SAVE. I told them this is not what studentaid.gov says : https : //studentaid.govXXXX Despite receiving my application, MOHELA also refuses to put me in a processing forbearance that would count toward PSLF.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should not be reporting on my file nor have they been physically verified as stated within the FCRA language. I have made many attempts to set my self free from these unauthorized accounts but instead the following credit agencies resolve is always a statement claiming accounts verified, but never recieved any physical documentation of such. I've requested the Method of Verification for the investigation into the accounts but haven't received any documentation whatsoever. If the credit agencies can not permanently resolve this issue I will file suit and/ or with the FTC . You and your companies totally ignored Section 609, and section 611. If the credit reporting agencies can not send me their Method of Verification and/ or provide me with physical documentation/ contracts then I'm demanding that the following credit agencies, XXXX and Transunion block these accounts immediately and permanently, ( # 1 ) XXXX XXXX {$0.00}, ( # 2 ) XXXX XXXX XXXX {$390.00}, ( # 3 ) XXXX XXXX XXXX {$130.00}, ( # 4 ) XXXX XXXX XXXX {$1000.00}, ( # 5 ) XXXX XXXX , ( # 6 ) XXXX XXXX XXXX   {$920.00}
Product: Credit reporting

I have been denied housing and utilities based on a public record debt that was paid in full 2 years ago, but is not shown as such on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. Upon reviewing my report, I noticed several discrepancies that need to be corrected. Below are the details of the accounts in question and the reasons for my dispute : XXXX XXXX Account Issue : The report indicates a charge-off of {$250.00}, but I paid this account in full before the charge-off date. The status should reflect " Paid in Full '' rather than " Potentially Negative. '' Requested Correction : Update the status to reflect the accurate payment history and remove the negative designation. 
Wiseloan Account ( Date Opened : XX/XX/XXXX ) Issue : This account shows as open and {$1300.00} past due, but the account opening date is listed as XX/XX/XXXX, which is incorrect. It is impossible for this account to have been opened in the future. 
Requested Correction : Verify the correct opening date for this account and remove any inaccurate past-due balance if the account is improperly reported. 
XXXXXXXX XXXX XXXXXXXX Account Issue : The account reflects a charge-off of {$710.00}, but I never opened an account with XXXXXXXX XXXX This appears to be a case of mistaken identity or fraudulent reporting. 
Requested Correction : Remove this account entirely from my credit report as it is not mine. 
I have attached copies of supporting documents, including proof of payment and identification, to assist with your investigation. Please conduct a thorough review of these accounts and correct any inaccuracies. 
According to the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute within XXXX days. Please provide me with a written response outlining the results of your investigation and an updated copy of my credit report once the corrections have been made. 
Thank you for your prompt attention to this matter. Should you require additional information, please do not hesitate to contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Dear SANTANDER CONSUMER USA INC I, the consumer and natural person, was denied credit by SANTANDER CONSUMER USA INC when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by SANTANDER CONSUMER USA INC due to the response I received. SANTANDER CONSUMER USA INC is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SANTANDER CONSUMER USA INC . If SANTANDER CONSUMER USA INC fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make SANTANDER CONSUMER USA INC criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Debt collection

XX/XX/2020 contacted I.C Systems for reporting a debt to my credit report. Gave them all the information from the original creditor to support my claim that it is not mine. They will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent XXXX  account listed on my credit file. I was a victim of identity theft and the individual who broke into my property and stole my personal information credits etc was arrested and sent to prison. Equifax refuses to remove this account under the guise that XXXX validated it. When I asked what information was provided that supersedes an identity theft report and arrest data of the individual responsible they refuse to answer. They refuse to advise their policy for identity theft victims. When I asked what else could I provide that is more credible than arrest paperwork of the man who stole my identity they said nothing. Equifax refuses to acknowledge my rights and refuses to remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

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

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

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

Fraudulent order placed on XXXX on XX/XX/2021 for {$74.00} and billed on my Alaska  Bank of America ( BOA ) VISA card on XX/XX/2021. I immediately disputed the charge with BOA. On XX/XX/2021 BOA denied the fraud claim stating " the merchant provided documentation confirming you received the merchandise or service '' but providing no documentation supporting their claim. On XXXX, XXXX, 2021 I requested BOA provide documentation of the merchant 's documentation which BOA refused to provide until XX/XX/2021 when I was provide nothing more than a XXXX tracking number as proof of receipt. XXXX tracking documentation shows that the alleged XXXX merchandize was shipped to and received by inside commercial delivery to someone other than me, and at a commercial address not associated with me. The merchandise was shipped to the address of major local hotel ( verified by XXXX documentation ) and shipped to and received by the hotel 's listed General Manager. 

Had BOA conducted even a cursory investigated using the UPS tracking number me they provided me after denying the fraud claim, they would have discovered that the merchandize was not shipped to me or received by me. There is no factual basis for BOA to deny the fraud claim or to support the BOA 's claim of receiving documentation confirming receipt of merchandise fraudulently purchased with my BOA credit card.
Product: Consumer Loan

My interest rate on my auto loan through capital one is only 16 % or so and I am paying 100 % interest. My auto loan started at {$19000.00} XX/XX/XXXX 2015 I have paid roughly {$8200.00} in payments and my principal balance only went down {$200.00} since the purchase 16 months ago. {$200.00} is all that has been applied to the principal balance so {$8000.00} in interest is way over 16 % that I had agreed to. My last payment I paid {$650.00} the regular payment is only {$540.00} they applied {$540.00} of that interest for last month and they do this every month. This is wrong.
Product: Debt collection

I was contacted by a XXXX XXXX XXXX that said I owed money for a loan from a bank. 
I never had a loan with this bank/lending institution. They had my social security #. 
Someone is using my personal info to get credit/loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with Equifax for over 6 months now. I have a number of issues with this company and they refuse to fix it. The first issue started back in XXXX when they put an inquiry on my credit file that did not belong with me. This trend continued with two more inquiries that did not belong to me. The companies that supposedly submitted the inquiry has no record of ever requested my report nor do they have accounts in my name. These companies are XXXX XXXX XXXX, XXXX, and XXXX. The next issue is there is an address that I have never lived at in my life on my credit report. The address is " XXXX XXXX XXXX XXXX, TN XXXX ''. I have never even stepped for in Tennessee. I have made at least 4 different requests to have this address removed from my credit file. Equifax reports back that it was deleted but it never gets deleted from my file. I have even sent a letter requesting to have this removed from my credit report which they respond to by saying they deleted the address but it remains on my credit report. And finally, they have added a unrequested fraud alert to my Equifax and XXXX credit report. I also requested this ( via mail along with their requested identification plus some ) to be removed but again, they refuse to do so. I am at wits end with this company. They refuse to assistant me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update personal info, Delete the accounts violating the FCRA and delete the unauthorized inquiries
Product: Credit card or prepaid card

Comenity - Explorer Rewards Card. 
Our mail has been slow ( mis-delivered ) for several months now. I've been receiving my statement about 7-10 days before the due date. I set up payment through my bank 's bill-payer, who has been increasing the lead-time on mailing payment to the creditor. I've tracked payments that have taken 10-14 days to reach the payee. Even one that arrived there 1 week before the due date. In all cases, the payments were posted late and late fees with interest charged. I've paid off the balance and paid the late fees for three months, while submitting the tracking documents to their service dept to request the removal of those fees. 
just received another statement showing an accumulated balance of late fees with interest along with new fees. The principal was paid off months ago. I pay all my bills on time, so why single out this card to pay late? Comenity XXXX said that I " could mail the payment months early, and shouldn't expect a waiver '' if they post it late, even if I prove it arrived 7 days before the due date ''. She suggested that I call in to pay over the phone every month. The irony is that I don't need to use the card. I had it for convenience and it is much easier to just pay with cash. Now I'm not inclined to even shop at the store anymore. But maybe that is the card company 's intention ; to run off customers for the company they serve. 
The last two months, I have remitted the full statement balance of the late fees, hoping that it would zero the account and stop it. I'm again going to pay off the full balance. The late fees are {$35.00} per month and the interest of a couple dollars is carrying over a balance. So, the late fee is 30 times more than the balance. Then the interest accumulates on the late fee, too. So three months later, they billed me over {$100.00} in late fees and interest for a payment that arrived before the due date ( see attached tracking history ). I believe this is a predatory scheme of loan-sharking. It is unethical and disgusting behavior for a credit card company.
Product: Debt collection

Upon Reviewing my credit reports from all XXXX bureaus I noticed some unexplained account and past due amounts as well as charge off 's. I started by reaching out to the said creditors and got no where with them. However, I did give them information they requested such as SSN, DOB and Phone number. I explained to them that I believe I fell victim to fraud and that my identity must have been used by an unknown source. They claimed that they would investigate and follow up with me. I waited a minimum of 30 days and I still never received anything from the said creditor and to my dismay 3 and 4 years later I see these items are still reporting to my bureau 's. I reached out via phone to all XXXX XXXX ( XXXX, XXXX and XXXX ) and they have since noted on all of my bureaus that the information has been verified and meets FCRA guidelines. I still to this day do not know how this is possible. I followed everyone instructions and did as requested from Police Reports to putting a block on my file and still nothing has changed! I demand the items to be removed once and for all.
Product: Debt collection

I was a victim of identity theft and noticed a collection from MID-AMER ACCOUNTS CONTROL I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against MID-AMER ACCOUNTS CONTROL in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity XXXX. Attached is my document. Thank you
Product: Payday loan, title loan, or personal loan

My wife and I called Opploans on the evening of XX/XX/XXXX. She settled her past due account with them for XXXX. She immediately received an email confirming the settlement payoff. Since the pay off she is still receiving calls from the collections department on this account. While on that call we also attempted to take care of the loan I had with them as well and they said I could pay if off for XXXX due to Covid 19 hardship. So we gave them the debit information again and initially their system declined the charge. So we used another card and they debited XXXX from that account. After they received the funds they stated that they had no record and didnt get the money, so we immediately sent them a screen shot of the transaction. We were on the phone for over a hour with them and at the end of the call they stated that it was a system glitch, they were forwarding it to a manager and would call us back within 24 hours. We didnt receive a call so we called them, no one could answer the questions and keep saying they will escalate it. Our bank confirms that the funds were paid. We have called Opploans every day since that date and to date nothing has been resolved.
Product: Vehicle loan or lease

Credit acceptance reposed my vehicle when it was totaled ( wrecked ). They picked my car up from the garage where I was trying to get the car fixed. They did not give me an opportunity to wait for my insurance claim even though they did not give me anything towards my car. Now credit acceptance is charging me interest every month on a car I do not have that was totaled but they sold it per Agent I spoke to recently for {$3000.00}. However they have sent me a bill for {$5000.00} to pay them for the car. They are reporting XXXX on my credit report every month and charging interest. The car was only XXXX I believe when I purchased in XXXX. They have rude agents who do not try to give u the information when asked. I wish I never dealt with this loan shark of an auto dealership.I know they will try to Sue because I know many people who they have came after in the long run.