23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS A REPORT REGARDING THE IMPROPER USE OF ME AND MY MOTHERS CREDIT FILES AND REPORTS AND PERSONAL DOCUMENTS SUCH AS SOCIAL SECURITY CARDS AND DRIVER LICENSES ISSUED IN ARIZONA. TOGETHER WITH STATE MOTOR VEHICLE AGENCIES PARTNERED IN A CRIMINAL ENTERPRISE TO STEAL IDENTITIES AND TRAFFIC STOLEN CARS TO XXXX. XXXX XXXX WAS THE FINANCE MANAGER WHO HANDLED ALL 4 CAR SALES FOR ME AND MY MOTHER BUT HIS TEAM ALSO USED OUR CREDIT WITHOUT PERMISSIBLE USE. MY CREDIT PERSONALLY WAS RAN AT XXXX XXXX XXXX ON ONE DAY AND THEN 3 DAYS LATER A DIFFERENT XXXX XXXX XXXX RAN MY CREDIT. XXXX AND XXXX. THEN PROCEEDED TO RUN OUR CREDIT AT BANKS WHERE THESE GUYS KNEW OF HOLDINGS THAT WERE UNKNOWN TO US OR WHERE ME AND MY MOTHER ARE TRUSTEES ON A TRUST WE DONT KNOW OF. THE AMOUNT AND FREQUENCY COUPLED WITH US BEING IN ACCIDENTS AND HAVING NOT HEARD BACK FROM THE LAW FIRM THAT REPRESENTED ME AND A FRAUDULENT ARBITRATION SETTLEMENT IN XXXX. THIS HAS IN TURN CAUSED PHONE TAKEOVERS ACCOUNT TAKEOVERS AND FAKE CARDS SENT IN THE MAIL WHILE REAL CARDS ARE DIVERTED AND WEB BANKS OPENED TO THEN DIVERT MORE FUNDS. XXXX XXXX XXXX IN XXXX AND XXXX IN WASHINGTON WE HAVE RECEIVED DEBTS FOR AND DO NOT KNOW THESE BUSINESSES HOWEVER THEY WERE UNCLAIMED PROPERTY THAT WAS CLAIMED THROUGH FALSE CLAIMS OR CLONED LLCS EITHER WAY THIS DEALERSHIP HAS USED MY CREDIT IN WAYS THAT HAVE CAUSED IRREPARABLE HARM AND I ALSO SHOW 3 CARS WHEN TRYING TO GET INSURANCE THROUGH XXXX YET I ONLY OWN 1 CAR AND MY NAME IS ON MY MOMS CAR AS WELL SO 2 XXXX  AND THIS 3RD CAR IS A XXXX I BELIEVE FRAUDULENTLY PURCHASED AND MY CREDIT SHOWS XXXX XXXX XXXX XXXX XXXX XXXX AND A FEW OTHERS THAT ALL STEM FROM MASSIVE CAR LOAN FRAUD FROM THIS DEALERSHIP AND IDENTITY THEFT THAT OCCURED HERE. I DEALT WITH SALESMAN XXXX XXXX, CSR XXXX, XXXX XXXX, XXXX AND XXXX IN SERVICE AND XXXX AUTO RAN MY CREDIT AS WELL AS XXXX XXXX XXXX IN XXXX TX AND MANY MORE ITS A MESS, I WAS DENIED LOANS FROM THESE BANKS AND FORCED TO FIND A LOAN ELSEWHERE BECAUSE THESE BANKS HAD LOANS ON THE BOOKS WITH MY INFORMATION AND MY MOTHERS INFORMATION AS WELL. AFTER CONTACTING 3 CREDIT AGENCIES I FIND OUT THAT I HAD SEVERE MIXED CREDIT FILES AND HAS CAUSED MASSIVE FRAUD IN OUR MUNICIPALITIES AS MOST OF MY INVESTMENTS THAT WERE MUNICIPAL BONDS AND XXXX XXXX HAS SINCE LOCKED ME OUT OF MY ACCOUNTS AND TRANSFERRED ALL THE ASSETS TO A KNOWN IDENTITY THIEF AS EVIDENCED ON MY MVD RECORDS THE LOAN ON THE 2 CARS WE HAVE ARE THROUGH XXXX XXXX AND BELIEVE THESE FRAUDULENT ACCOUNTS ARE ON THE COMMERCIAL SIDE AND COULD BE IN THE NAME OF A FRAUD BUSINESS PARTNER FOR XXXX XXXX XXXX XXXX XXXX.
Product: Student loan

-I filed a PSLF certification in early XXXX with XXXX XXXX. That certification was completely ignored and my loans transferred to MOHELA. 
-I re-filed the same form ( " first form '' ), plus an updated form from my current employer ( " second form '' ) on XX/XX/XXXX. I was informed that the process would take up to 90 business days to process. 
-On XX/XX/XXXX, my forms were " processed '', per the MOHELA website and a letter was to be sent. I never received a letter. 
-I called on XX/XX/XXXX and the customer service representative could not offer a reason why, despite being " processed '' my account had not been updated and no letter had been sent, so she said she was going to ask them to take another look. She posited that the " second form '' may not be accepted due to the electronic signature ( which is incorrect, as the signature is the HR representative 's actual written signature, just in electronic form. ) The representative told me to call back in about a week to see if they could push things along, but she could not make a guarantee on the timeline. 
-On XX/XX/XXXX, I resubmitted the " first form '' ( now for the third time ), plus an updated form from my current employer ( " third form '' ), with a hand-written signature, just to cover my bases even though I believe the " second form '' should have been accepted. 
-On XX/XX/XXXX, I called to find out the status, and was told MOHELA XXXX completed '' the process of reviewing my application within the 90 business days of XXXX, but they are now entitled to another 90 business days for " review. '' I told them that they DID NOT complete my application review from XXXX, and that giving themselves another XXXX business days to re-review makes no sense given they didn't complete the review the first time and never updated my account or provided me with a decision on my certification forms within the original 90 days. I asked to speak to someone further. 
-They defended themselves saying they are busy and they make mistakes and told me nothing can be done. They then, without telling me what they were doing, left me on hold. 

At this point, I have well over 120 qualifying, certified months of employment and am entitled to loan forgiveness. MOHELA is intentionally delaying this process, entitling themselves to unnecessary time to " complete '' then " review '' an application ( 180 business days total to give ANY answer, not even counting the first three months the first form was lost between XXXX and MOHELA ), likely in the hopes they can profit from the end of the student loan pause for people who should have XXXX balances.
Product: Student loan

I applied for PSLF in XXXX of XXXX. I had verified and approved employment dating since XXXX but it is not continuous. Cumulatively, I have met the 120 payments for PSLF. While Mohela approved all employment I submitted, they left massive numbers of payments missing from the counts. For example, my tracker jumps from XX/XX/XXXX to XX/XX/XXXX even though the approved employment listed with Mohela includes that full time, so that period alone is 35 payments missing. The tracker also only goes back to XXXX despite approved employment going all the way back to the beginning of PSLF in XXXX, so every payment from XXXX is missing. When I apply again to try to get it updated, they mark it as duplicate and say that employment certification form was already processed, but the missing payments never get added. I applied before the waiver expired in XX/XX/XXXX and they still haven't updated the payment count. I need ALL of the approved periods on my employment certification forms added to the payment counts.
Product: Debt collection

I recently checked my credit report and I noticed some fraudulent and inaccurate accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$200.00}
Product: Vehicle loan or lease

I brought a car from Nissan in 2017 and they have multiple clas action lawsuits against them for having bad ctvs in the cars and my car just broke down too and I had to.pay over XXXX dollars a car that wasn't even 5 years old. I am struggling to pay my bills and car payment bc I had to put XXXX dollars towards the transmission now I am behind on my car loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB collection dispute complaint, On XXXX 2023, XXXX XXXX XXXX collection added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/ sold from one account to XXXX XXXX XXXX collection. 


I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX  collection did not verify my debt validation, and which shows XXXX XXXX XXXX collection has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house.
Product: Credit card

American Express advertised 6 % back for groceries and 3 % back for gas but they didn't disclose their " exclusion '' up front. They made it sound like their promotion was eligible for all groceries and gas. However, they said if I read their papers it indicates that their promotion is very limited to certain types of transactions only. I didn't know this until after I spent nearly {$700.00} in groceries and got nothing from it. They are promoting very misleading promises that easily entraps people.
Product: Credit card or prepaid card

CAPITAL ONE BANK USA N IS REPORTING FRAUDULENTLY ONMY CREDIT REPORT. THE CHARGES ARE FRAUDULENT THEY WERE NEVER DONE BY ME. I HAVE NEVER AUTHORIZED THE CHARGES. I HAVE REACHED OUT TO THE CREDITOR AND TO THE BUREAUS TO HAVE THE ITEM REMOVED FROM MY CREDIT REPORT. 

PLEASE NOTE THE CAPITAL ONE BANK USA ACCOUNT IS FRAUDULENT AND THE CHARGES ARE FRAUDULENT. 
I HAVE REPORTED THIS TO THE LAW ENFORCEMENT AGENCY TO THE FAIR TRADE COMMISSION. NOT SURE WHO ELSE I CAN CONTACT TO HAVE THE FRAUDULENT ITEM REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not now nor have I ever had a contract with Midland Funding and these clowns are trying to make me pat money I do not owe! 
It was removed from my XXXX credit report but still remains on the other two. This is outrageous and a violation of my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the last complaint I submitted, I explained that I sent 2 letters with XX/XX/XXXX being the last date I sent a letter to the bureaus regarding this collections account that does NOT belong to me. Not only have I called in several times about the account, but I've called numerous amount of times as well! It's been well OVER 60 days now. In the next 60 days, how do I know the bureaus won't say this again? It's a stall tactic and preventing me from being able to obtain the credit I am eligible for!! I do not understand how an account that again does NOT belong to me is being reported.The credit bureaus are in violation of my rights per FCRA. This is false reporting and negilgent of the bureaus and collector. I will not tolerate being overlooked and undermined about a serious matter. The bureaus WILL be hearing from my legal team to pursuit remedy and litigation from both the collector and bureaus!
Product: Credit reporting, credit repair services, or other personal consumer reports

the law states that at no point should there be a late payment reporting my consumer report & should not include any transactions or experiences between me the consumer and any person making a report. Further more, I never gave any consent for these alleged transactions. 
These are clear violations of my consumer rights under 15 U.S. Code 1681a, 15 U.S. Code 1681a1 and also 15 U.S. Code 1666b Please delete these late payments from my consumer report and update this account as soon as possible Account Name- XXXX  XXXX Account Number - XXXX Late Payment - XX/XX/2017 Please update as soon as possible.
Product: Credit card

Previously, I filed a complaint against chase bank with the Fed Reserve Bank, because chase bank denied a corporate credit card for and under the startup program, stating, my income was below XXXX . Start up program should not require any income, then it won't be startup anymore. It appears Chase bank also took off the start up program off their website. I applied for it before than that. This is illegal. Office of Comptroller of the Currency case no is XXXX. ( FRB did nothing and transferred the case to office of the comptroller of the Currency ). Now, I found out that chase bank has manipulated the opening account records of my credit card no XXXX and the umbrella credit card account no ending in XXXX. This is very suspicious. Obviously, chase bank did that to hide the credit card accounts opening dates records for the corporate credit card, that is mentioned above. Which chase bank denied. This is suspicious and illegal activity by chase bank. Moreover, when I asked the chase bank 'when would the promotional 0.oo % APR offer would end on these two credit card accounts ending in XXXX and XXXX ''. Chase Representative said, he does not see any promotional offers. And obviously, chase bank has not been charging any interest, because there were 0.00 % APR offers on these credit cards accounts. This means chase bank has manipulated the credit card records so much, that they do not see the original records properly anymore. Chase bank did all that just to deny the corporate credit card issuance. This is illegal activity by such a large bank. Chase bank Representative told me that accounts ending in XXXX and XXXX were opened on XXXX of XXXX, XXXX. Chase bank lied. XXXX account was opened in XXXX. XXXX account was opened 4-5 months ago in XXXX. 
Chase bank needs to issue the corporate credit card, and straighten out the other credit cards account opening date records.
Product: Credit reporting or other personal consumer reports

My personal information was shared with other company without my authorization and I want you to remove all these negative items of my report. Thank you.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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  Balance : - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$620.00} ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXXXXXX XXXX XXXX Inquiry : 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
Product: Debt collection

I, XXXX XXXX, the consumer, extended credit in a consumer credit transaction to SECURITY FINANCE on Wednesday, XX/XX/2021 for {$1100.00} via my credit card ( 15 U.S.C. 1602 ( l ) ). In the agreement, SECURITY FINANCE were false and misleading and did not give full disclosure of the rightful original creditor. SECURITY FINANCE violated 15 U.S.C. 1602 ( p ) which states, " The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. '' I received no benefit from the use of my credit card and demand remedy. SECURITY FINANCE did not disclose my right to rescind under the Truth in Lending Act as well. 15 U.S.C. 1635 ( a ) states- " Except as otherwise provided in this section, in the case of any consumer credit transaction ( including opening or increasing the credit limit for an open end credit plan ) in which a security interest, including any such interest arising by operation of law, is or will be retained or acquired in any property which is used as the principal dwelling of the person to whom credit is extended, the obligor shall have the right to rescind the transaction until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter, whichever is later, by notifying the creditor, in accordance with regulations of the Bureau , of his intention to do so. The creditor shall clearly and conspicuously disclose, in accordance with regulations of the Bureau, to any obligor in a transaction subject to this section the rights of the obligor under this section. The creditor shall also provide, in accordance with regulations of the Bureau, appropriate forms for the obligor to exercise his right to rescind any transaction subject to this section. '' As you will see in the contract that is attached, there is no disclosure whatsoever. On XX/XX/2021, a notary sent a Right of Rescission , Cease & Desist, invoice and an Affidavit of Truth via an Affidavit of Notary Presentment. SECURITY FINANCE did receive my documents, but I have yet to hear anything from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$690.00} )
Product: Student loan

I am a student loan borrower who has been working toward Public Service Loan Forgiveness since I started repayment in XXXX. I have always had qualifying Direct Loans, and have submitted many XXXX XXXX Forms over the years. 

I submitted what should have been my final PSLF forgiveness application on XX/XX/XXXX. On XX/XX/XXXX, I received an automatically generated qualifying payment update but my count of qualifying payments did not increase at all. I still have XXXX out of XXXX qualifying payments even though XXXX more should have been added with my application. I called and spoke with a PSLF counselor at the end of XXXX, and she said not to fear as my XXXX application hadnt been reviewed yet. 

I called back on XX/XX/XXXX and spoke with XXXX. She said it was odd there was no movement on my application for PSLF forgiveness, so she initiated a priority review request for me. I called back today on XX/XX/XXXX and spoke with XXXX. She said the reason for the review was that somebody erroneously processed my application and declared that I did not have qualifying Direct loans, but she said I obviously do have the correct loans. 

I have now been on hold for over an hour to speak to a PSLF counselor about the error. I dont know what to do, Im so frustrated. I have followed the rules and regulations for the program but somebody didnt know how to process my application correctly. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX S.S. XXXX I AM HAVING A TON OF ISSUES TRYING TO GET MY CREDIT REPORT AND CREDIT SCORES. I CAN NOT GET INTO THE XXXX I CAN NOT GET INTO XX/XX/XXXX I AM TRYING TO BUY A HOUSE AND MY LEASE IS UP. I HAVE ATTACHED MY ID AND SS CARD
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX. XXXX 
Genesis Card Service. Sold this Account to XXXX XXXX XXXX. I Mailed a Validation Letter to XXXX XXXX XXXX. I got No Response from them Then received a letter from XXXX XXXX stating that the Account was Sold to them from Genesis Card Service. I Contacted Genesis by Phone. Whom stated they had No Information with my Name nor Last 4 of my SS number. Genesis stated the Account was Sold to XXXX XXXX. 
All of these Debt Collectors have my Information my Data. My Credit report is Reporting XXXX in Collections and XXXX XXXX in Collection. But Neither have the Account. On all 3 Credit Reports it states XXXX and XXXX XXXX for the Same Account. That is illegal according to the FCRA
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent all three credit bureaus XXXX, XXXX, and TransUnion letters requesting verification to five accounts for late payments showing on my credit report and asked them to have my address updated. I have yet to receive anything from the bureaus, verifying these late payments or showing that my address has been updated to reflect accordingly. It has been well over 30 days and I have not yet received any notification. I have attached the letters and details.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

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

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit card or prepaid card

I have an Apple card that was restricted after using it out of state. When I try to get in contact with the car company, I was told theres nothing they can do. They had me verify my identity and Ill change my account password, but there was still nothing they could do to help.