23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/XXXX I contacted Edfinancial to refund several payments I had paid off after XX/XX/XXXX, under the CARES act. I was told at the time the processing time would be 60 days. 

I called again in early XXXX just to verify my ticket was still submitted since I had not received any email or any confirmation of my request. 

I called again today on XXXX XXXX, XXXX and they are now telling me the time is likely more than 150 days for processing and then more for the refund. 

I understand the influx of calls and requests but even other servicers post Biden 's announcement are making refunds much quicker. 

I have graduate school federal loans and am eligible for XXXX in forgiveness. Edfinancial is the ONLY student loan provider who seems to be very nebulous with their response regarding how soon this refund will be processed. Other services like XXXX and XXXX seem to be taking days to weeks if even and some of my colleagues whose loans are serviced with these companies are seeing refunds extremely quick. I was told that the loan balances won't be reinstated until the refund is processed which now they make it seems like won't even be until XXXX at the earliest. I am worried because the application for forgiveness starts in XXXX and Edfinancial won't have any of these applications processed in time for us to get forgiveness. I was told via the phone that all I can do is wait and that verbally all they can do is let me know they submitted the request. I understand the influx of calls to get our money back is probably very overwhelming to the system but it's concerning that this can take up to 6 months when every other provider seems to be having a quicker turnaround time despite having thousands of requests. Getting this money back could be lifechanging for me. It is just extremely upsetting that other loan providers are restating balances within days to weeks while this company is telling me to sit back and wait. I have also been given mixed messages regarding whether the money will come back to me in form of check or electronically even though I paid via e-check. 

I am also upset as I just received a letter from them saying that my data was leaked in a massive data breach.
Product: Credit card

I've been dealing with this matter for several months now. My credit card was stolen, presumably from a gym locker room. Multiple fraudulent charges were made on my account. I contacted Barclay 's to dispute the unauthorized charges and provided them with a copy of the police report filed over the incident. The initially provided a provisional credit to cover the disputes. On XX/XX/year>, Barclay 's sent me a letter stating one fraudulent charge, totaling {$74.00}, had been placed back onto my account and the provisional credit reversed. Barclay 's claims this was due to " documentation provided by the merchant. '' These charges were never made by me. Therefore, any " documentation '' Barclay 's claims to have is also fraudulent. I asked for proof, the company refuses to furnish it. Again, I supplied a police report. If Barclay 's has any further questions, they can contact the XXXX XXXX Police Department. I will NOT pay for charges I did not make. I have been patient and reasonable with this company. They just refuse to accept the facts. This is my final attempt at rectifying this matter. If Barclay 's doesn't immediately credit my account back the {$74.00} they erroneously charged me I will have no choice but to take legal action and will sue Barclay 's in Small Claims court. I will not be treated like this and I will not pay a bill which does not belong to me. I did everything the company asked me to do. I went to the police. I put up with their ridiculous questions over and over again. I filled out forms, etc., etc. What else do they want from me? This charge is not mine. What part of this is difficult?
Product: Student loan

I have a six late fees and was told they would fix the problem called and a person informed me it was nothing they could do even after I implied that I was told the problem would be fixed.
Product: Debt collection

Experian is the only bureau not reporting accurate information on my credit report. Thru will not keep their agreement of taking the fraudulent debt XXXX XXXX off of my credit report even after they told me to get a police report and identity theft report.
Product: Debt collection

Company has debt listed on credit report that I did not enter in to.
Product: Credit card

XXXX I am getting billed for a credit card I did n't apply for or ever get.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX in order to build my credit. I have successfully paid each and every single payment on time. I have never missed a payment. After several months, I was offered the opportunity to refinance my loan. XXXX  even acknolwedged that I had excellent payment history and I was successfully building my credit. I took this opportunity and refinanced my loan. ( I dont recall the exact date. ) Then after several more months, and still Never missing a payment, XXXX  once again acknowledged I had excellent payment history and never missing one payment, offered to let me refinance my loan again. I considered this carefully. I viewed my credit score. XXXX  recorded my credit score as just over XXXX. ( When I opened my account, it was barely above XXXX. ) I had seen my score raise by nearly 100 points. I looked over all my finances, and decided to refinance again. On XX/XX/XXXX I had received an email from XXXX XXXX who reflected that Transunion had dropped my credit score by XXXX points. I then received another email from XXXX XXXX that reflected that XXXX  had dropped my credit score by 52 points! I looked over my overall credit score which reflected that my credit score had dropped from XXXX to XXXX!!! Both XXXX and Transunion also reported that the only change to my credit file that was responsible was XXXX closing my financed account. I immediately made contact with XXXX. I have 100 % accurate complete payment history with XXXX, never missing a payment, and yet, doing business with them has caused severe damage to my credit report. The 101 point drop in my score clearly shows that XXXX  destroyed my credit far beyond what my loan was worth all so XXXX could profit. When I contacted XXXX, they gave a bunch of XXXX  excuses in an attempt to deflect blame and responsibility.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Dept Of EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Mortgage

Working on a Chase/ FHA short sale. We have the XXXX issued by HUD and an offer that meets the required HUD NET - Chase has not responded to this offer submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because I have sent multiple rounds of letters to credit bureaus to reinvestigaste 3 accounts that are reporting false information and it is costing me thousands of dollars a year. They are violating my rights and they have the nerve to not even respond to my letters! These inaccuracies are highly injurious to my credit rating. 

First account is XXXX XXXX which is a closed account that was paid in full of {$100.00}. 

XXXX XXXX XXXX acct # XXXX balance of {$620.00} XXXX XXXX XXXX acct # XXXX Balance of {$420.00} XXXX XXXX  acct # XXXX Closed paid acct Furthermore, in accordance with the fair act credit reporting act, public law 91-506, Title VI, section 611, subsection A-D, please provide me the names and business addresses of each individual with whom you verified the above, so that I may follow up. IT IS ILLEGAL TO REPORT FALSE INFORMATION! 

They are all reporting different information all across the board! I have asked for the accounts to be deleted immediately and please forward me send me an updated credit report after you have completed your investigation and corrections!
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXXXXXX XXXX  XXXX, AL XXXX ; XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/2021 ; XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$730.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX Balance Owed : {$530.00} XXXX XXXX Balance Owed : {$3700.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX Balance XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Recieved letter XX/XX/XXXX stating I owed {$870.00} to a credit card company that I never applied for. Texted them, asked to send me original loan application so I could review. I was sent the loan with purchases attached all from XXXX PA where Ive never lived or even visited. The address on statement was a PA location. I was told by the trustee after my bankruptcy was filed XX/XX/XXXX not to apply for any loans or credit until case had been settled. I have not applied for anything..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I received a a yearly credit report XX/XX/XXXX, and I see that XXXX XXXX is listed on my report as being charge off XXXX of XXXX. I was suffering hardship financially after Covid and I could not pay on the debt. 
I have not received a 1099-C as of XX/XX/XXXX. I need the form 1099 immediately to file taxes. 
I am demanding that you remove the item from my credit report, within 4 days, as your company has taken advantage of the tax write off. 
If the Item is not removed I will have no choice other than to report this to the IRS ( Internal Revenue Service ), and ( XXXX XXXX XXXX ). Under the FRCA ( Fair Reporting Credit Act ) Companies can not claim a written off/charge off/ profit loss item and still list it as owed on a persons credit report. The actions of this company is causing harm to me in my ability to secure credit necessary for my family. 


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

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

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

I received a pre approval from XXXX  XXXX for a car loan, presented it to a dealership. They went ahead and ran my credit without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Delete this account. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


XXXX there is some inaccurate information reporting XXXX Account XXXX : XXXX Please remove it from my credit report. 


XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

XXXX XXXX, CALVARY PROFOLIO SERVICE LLC, Has Filed a lawsuit for a " debt '' that I have never Knowingly and intentionally signed for, made harassing phone calls, Garnished wages, and more. 

These sinister acts are in direct violation of my consumer rights pursuant to 15 USC 1692- Congressional Findings precisely pursuant to 15 USC 1692 G- Validation of Debts, 15 USC 1692 J- Furnishing Certain Deceptive Forms, and 15 USC 1681 B- Permissible Purposes Of Consumer Reports.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you donot validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

To start off. Before I applied I did call someone to go over the type of line of credit this was and the fees. However when using the product, It started adding up. I've always paid on time. I've called them recently that if it was possible to negotiate a settlement and close the account as account is too expensive for me. They said no and offered no other solutions. I then placed a review disclosing how expensive this debt is and stay clear of it. 

3 days ago or so, I receive an email stating they are changing the agreement they have with me or " amending '' a section. Stating they can cancel my account and take away my available credit if no activity within 30 days. 

I then called someone day later to confirm this and they did. I asked again if they can close this account out and settle the amount and they disagreed. I have been with them for a year. I ve made them a lot of money with little to no dent into my balance.
Product: Credit card or prepaid card

Changed my address with usbank ReliaCard on XX/XX/XXXX, they in turn locked my card, without telling me. I called on XX/XX/XXXX, was told to fax drivers license and change of address card, I did, called again on XX/XX/XXXX, was told too dark refax I did, called again on XXXX was told it takes 5 days to read fax, I waited, called again, was told it takes 7-10 business days to read fax, I wIted till day 10 ( when I received a letter in mail from card services in XXXX Fl saying change of address was processed on XX/XX/XXXX ) they told me we still need to read fax, it could take 7-15 businesses days. Here I sit, 19 days later with no access to my funds. They did not protect me or my account when someone changed routing info back in XXXX and stole XXXX dollars from me, but they lock my card because I change addresses
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 XXXX XXXX XXXX appeared on my credit report for {$81000.00}. This is not my student loan. Equifax refuses to verify the account and send me proof, provide me with a valid phone number or address for this company and they refuse to remove it. If Equifax will not provide me proof that the account is mine or supply me with a valid phone number or contact information ... .how can they hold me liable for this account? I have been told by Equifax employees to XXXX the company. If this complaint doesnt work I am going to hire and attorney and sue Equifax. Not only for this situation but all of the erroneously reporting they have done on my credit that has caused my credit to suffer immensely. This is a violation of my rights and fair credit reporting. They are required by LAW to provide me with proof this account is mine and contact information.
Product: Debt collection

The 11 District Circuit Court bankruptcy division is XXXX XXXX XXXX XXXX XXXX XXXX. When you appear to court for mediation you are instructed to sit in the out in the lobby and wait on the attorney. They let the creditors have a field day with the consumers, many who do not speak or understand English. I saw an attorney asking random people to interpret for him. During this mediation no judge or court personal speaks to until after you have been misled or intimated by the creditor 's attorney. I told them that I wanted to go to trail but I was told that I would have to attend another virtual mediation before I can go to trail. 

I received the court documents in the mail of the court appointment, but not the information for the meeting. I had to research how to get to the Judge XXXX  meeting. Thank XXXX  I am tech savvy because I had to find the information out for court website and I was in the wrong courtroom for a minute because there are two judges with the same first and last name. Once I was on the right page it told me to wait and someone will be with me in a minute. That never happened so I found the number to the judge ' clerk and she was able to give me the information. I made it to the meeting 5 minute late. They seemed very surprised to see me and I told the mediator that I never received noticed. She than asked me how did I get the information.

They court and the creditor both had been informed electronically but they lied and said that my appointment was physically delivered. I have proof that the mediator typed and mailed the later no earlier than XX/XX/XXXX as dated on the letter and sent it regular mail. My court date was for XX/XX/2023. Any competent person would know that it was a possibility that I would not receive notice in time. I also have proof that I did not receive the letter until after the court mediation was scheduled. I feel that this was intentional and needs to be investigated The main reason for my complaint is that the letter stated the it was physical deliver which is not true and the mediator seemed to have made it impossible to make the meeting and during the meeting she seemed to not understand my position and sided with the creditors. 

I told her that there are payment there that they said I made and I did not make those payments and offered my bank statement as proof. The creditor and the mediator response was why am I worried about someone making a payment for me? I responded that if someone put money in your bank account are you going to worry about who has access? 

I am submitting this complaint because I know that I am not the only victim of this tactic. I feel sorry for the people who show up without representation and who is poorly informed of the legal system.
Product: Debt collection

I have a credit card with Chase Bank. My payment was past due by about two weeks. In the two weeks that my payment was considered past due, Chase Bank called me a minimum of two times per day, everyday. In addition to calling me excessively, they called my father, without my knowledge or consent, a minimum of two times per day as well. After a few days of excessive phone calls, my father answered their call. The representative of Chase Bank then told my father, without my knowledge or consent, that I had a credit card with them, they then told him the exact balance of the credit card, the amount of time that the payment was past due, the minimum payment that I owed to them and when my next payment was due. In addition to telling my father this information, without my knowledge or consent, the Chase Bank representative then allowed my father to authorize and schedule a payment from a bank account that I had previously used to make a payment on my Chase credit card. The representative allowed my father to choose the amount that would be taken from MY checking account and used to pay Chase Bank, all without my consent or even knowledge. Because I did not know that Chase Bank had contacted my father, shared my information and allowed my father to authorize a payment from my personal checking account on my behalf, I did not have the funds to cover the payment in my checking account, thus over drafting the account. Chase Bank had no right to contact my father, let alone share my personal information with him, or allow him to authorize Chase Bank to withdraw money from my personal checking account.