23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please validate this debt because : * I would like debt validation on this account, as requested. 
* I have not made any payments on this alleged account that would have reduced the balance. 
* I would like proof of how these alleged payments were made. I believe the reporting is false and an attempt to keep this account active on my credit report. 
* I would like an explanation of how any increases were calculated on this alleged account. 

Based on the reported activity, it seems that IQ Data International Inc may be updating this alleged account to keep it active.
Product: Debt collection

This medical debt that Account Service Collection Agency has been reaged. This debt occurred in XX/XX/2011 and was paid years ago. The debt has been reaged and the collection agency is unable to provide the original documentation of when the debt occurred and actual charges that were assessed. There are 4 accounts and 3 of them are charged multiple times ( 3 for XXXX dollars ). There were only two initial charges which was XXXX and XXXX dollars which were paid.
Product: Debt collection

There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft
Product: Vehicle loan or lease

I was a victim to predatory lending. And due to that Santanter has settled a law suit and agreed to fix the problems with consumers.
Product: Student loan

Mohela loan repayment was set to begin in XX/XX/2023. I used the app feature to message on XX/XX/2023 of writing in to change my due date from the beginning of the month to the end of the month. I received no response so I decided to call. When speaking to the representative, they reported that they would change my due date and that I wouldnt have to worry about making a payment until XXXX. I was relieved and appreciative. I followed up in the app to ensure it was also updated, at which time I received notification that my loans went into forbearance until XXXX. I was grateful for how things had worked out because I am struggling with debt. I checked in XXXX and their status was still in forbearance until XX/XX/2023, only to find out yesterday that they have reported non-payment on my credit!!!! This is unacceptable! I would have found a way to pay my loans to not affect my credit score if they had not lied about changes to my due date and forbearance status. I am being crushed by this debt and now my credit score has to suffer. I need help navigating where to go from here, I will not recover from this as it continues to accumulate.
Product: Debt collection

Atlantic Recovery Solutions, emailed me on XX/XX/2023, about an alleged debt, there is no address on the email, I need to have them validate the debt in question, I need to send them this in writing in the mail, they are showing numerous addresses on the internet, I was sick, my daughter called to get the address only, they refused to give it, they also contacted my ex husband about the alleged debt, which I believe is illegal, I need to mail important letter to have this debt validated and can not get the address Thank you
Product: Student loan

I was originally on REPAYE and was switched to XXXX, without my request or consent. Then my loan servicer was switched from XXXX to EdFinancial, again without my request or consent. Since XXXX, I had been working towards Public Loan Service Forgiveness ( PSLF ) but due to the XXXX injunction, my loans were placed in litigation-related forbearance and my payments since XXXX of XXXX have not counted. 

On XX/XX/XXXX I submitted an application to switch repayment plans from XXXX to XXXX, in order to start making XXXX payments again, and to exit the litigation-related forbearance that I was placed in. As of the time of this writing, my application remains unprocessed and I have not been moved from XXXX to XXXX. 

On XX/XX/XXXX I received an email from the US Dept of Ed stating that if my loan servicer was unable to process my application within XXXX business days of receiving my application, I would be moved into a " processing forbearance '' for up to 60 days, during which time spent provides credit toward XXXX. 

On XX/XX/XXXX, I called EdFinancial, my loan servicer, to discuss why my loans were not placed into the XXXX processing forbearance. I was told that I was already in a processing forbearance since XXXX of XXXX due to the XXXX injunction, and that my payments did not count toward XXXX. Furthermore, I was told that on XX/XX/XXXX there was a note in my file to move me into a processing forbearance, but that there was another note cancelling that move because it was a duplicate task since I was already in a processing forbearance. I explained that I was not in the XXXX processing forbearance but rather the litigation-related forbearance, and described the email I received from the Dept of Ed. I was then told that I am in fact in a processing forbearance that is NOT eligible for XXXX, and that I will remain in this PSLF-ineligible forbearance until my application can be processed, which was expected to take at least an additional XXXX business days. 

This information is inaccurate, and I am being blocked by EdFinancial from a ) making XXXX payments on my loans, and b ) earning credit towards XXXX  while working my XXXX job and waiting for them to process my application as specificed by the Dept of Ed.
Product: Checking or savings account

On XX/XX/XXXX XXXXXXXX XXXX made an unauthorized charge to my SquareCash Visa for {$98.00} in XXXX XXXX AZ XXXX I had not been in that area for over two weeks, nor did I make an online purchase with XXXX. I noticed the fraud charge two days later when my card was declined and checked my account history to find out why.

SquareCash does not dispute transactions for you, they tell you to contact the merchant to resolve fraudulent charges. Later that day I called Targets corporate helpline that deals with security issues. The associate informed that the person to handle the issue had left for the day & to call back the next day. I did and they opened a case to investigate the fraudulent charge. I followed up Monday the XXXX per their instruction and after being transferred to someone I was told there was nothing they could do for me because there was no history of the transaction. 
I then returned to the SquareCash Support and sent an email XX/XX/XXXX requesting they correct the fraudulent charge. They responded the following day with brief instruction on how they will proceed, then I got another follow-up the XXXX with further instructions and questions about the fraud. I responded the XXXX and again the XXXX and have not heard any response since. Im concerned that no will fix this fraudulent charge.
Product: Debt collection

At time of service XXXX/XXXX/XXXX double insurance coverage file as uninsured. Contacted hospital. Gave insurance information a second time as it was supplied at time of service. Instructed them to file XXXX primary XXXX secondary in XX/XX/XXXX.Thought it was resolved. Showed on credit report XXXX. Call debit collection who says it was filed as uninsured. And with optima health have to address with hospital.. Call XXXX Hospital of XXXX and XXXX County. They show filed with XXXX and XXXX withdrew payment.Should have been filed with both. Addressed in XXXX. No other bills sent. Showed up XXXX on credit. Contacted XXXX awaiting them to pull claim file. No opportunity supplied by hospital to correct in fact since no other bills received assumed resolved.
Product: Checking or savings account

I filed a dispute for {$350.00} to TD Bank based on fraud charges from a company claiming to be an old loan company. On XX/XX/XXXX they gave me this provisional credit. On XX/XX/XXXX, TD Bank called me to say I hadn't provided further evidence based on a letter mailed to my address and that this provisional credit would be reversed on XX/XX/XXXX. At this time also they said I could call back on XX/XX/XXXX and they guaranteed they would send me the credit back again. On XX/XX/XXXX, I called TD Bank and submitted another claim. They confirmed my mailing address was wrong, why I didn't receive their correspondence. However they said they could not guarantee the {$350.00} credit again because it's up to the investigation team discretion.
Product: Credit reporting or other personal consumer reports

Several inquiries were made in my name on all XXXX credit bureaus beginning XX/XX/2023. An XXXX XXXX credit card was approved in my name although I never applied for it and I never requested these inquiries on my credit. I received an alert from my bank and then an email stating the credit card was on its way. I notified XXXX XXXX that this was a fraudulent request and the card was cancelled before the thief even received it in the mail, although they had already activated it online. I correct the email address and phone number XXXX had listed for me since it belonged to the thief and not me. I activated a security freeze on my XXXX and Transunion accounts so far.
Product: Credit reporting or other personal consumer reports

I was in the process of trying to get approved for a mortgage and was denied because of the collection agency violating my consumer rights with false misleading misrepresentation of information on my XX/XX/XXXX, XXXX, an transunion credit report. I'm not liable for debt with the creditor.I don't have any contract with any these creditors below. The creditors below are in violation of 12 CFR 1006.34 ( d ) and USC 1681-S2 ( 7 ) ( A ) Please delete the unliable unauthorized debt on my XXXX XXXX an transunion account immediately : XX/XX/XXXX
Product: Credit reporting 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, has violated my rights I looked at my Transunion credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer report if shall follow reasonable procedures to assume maximum accuracy of information concerning the individual about whom report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is to be found to be inaccurate or incomplete or can not be verified, The reporting agency Shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of consumer and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX XXXX XXXX CREDITOR : XXXX XXXX XXXX XXXX DATE ASSIGNED : XXXX, 2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Debt collection

I was notified through my credit monitoring system that my score had dropped substantially on XX/XX/2020 due to a collection account that was reported on my credit. I immediately disputed this because it's not mine and requested the Credit Bureau to verify the debt. The Bureau came back and said it was verified but did provide me with any supporting documents showing this. I have tried disputing several times with no resolution so I'm taking this step.
Product: Vehicle loan or lease

Back in XX/XX/XXXX, I had a car crush and the insurance declare it total loss, so they told me that they will paid off my car. The insurance send the check to the ally finance bank and they cash out the check. However, they have not credited it to my account yet and whenever I call, they just transfer me to the department of total loss. it has been a little more then two months trying to reach them, but they never answer. their voice mail says leave a message and will return your call ; they never do. until this point they have not given me an answer and I do not know what to do. I have tried to talk to customer service but they also don't help me ; they just transfer me to the total loss department, but it always the same they never answer. the Ally Finance has been taking the car 's monthly payment even though ; they already got the insurance payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires too old and must be removed from my credit report XXXX inquires too old and must be removed XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX Institution Information XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE THIS INCORRECT INFORMATION THAT I DON'T WANT, YOU CAN REVIEW AND REMOVE THIS FROM MY REPORT I DON'T WANT IT CREDIT 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: Student loan

I called and tried to get a 6-12 month hardship deferment so that I could try to pay off a credit card. They stated that I have used up all of my deferments. I asked for a interest rate reduction, and the only thing they could offer was a .25 % reduction for auto-pay.
Product: Payday loan, title loan, or personal loan

About 5 or 6 months ago, I purchased a mattress for {$400.00} from this place ( can't recall the name ) where I applied for credit to cover the extended payment process. They delivered the mattress before the approval came back ( on a Sat evening ) and on Mon morning, 2 days later, I received an email from Acima credit saying I was denied based on several factors. I contacted the guy I got the mattress from asking what was the next step and he told me to see how it plays out. So about 3 weeks later, these deductions started coming out of my account, which was no big deal, I just figured it would take the {$400.00} and we'd be done. But about a month ago now, a payment disappeared where they are trying to charge me all these ridiculous late fees around {$40.00} for a payment that was made. So I contacted them to find out if it could be resolved and asked how much I owed so I could get the thing paid off and be done, they informed me that I owe over $ 800+. I asked how I owed so much and they told me that I owe them for the original balance plus the 1 year lease and financing, to which I asked, how do I owe you for a financing plan that you denied me for? They are trying to tell me that they NEVER ever sent me a denial letter. I feel like there's something fishy going on and needing help figuring out what I am dealing with. I don't deny owing {$400.00} minus 6 months of {$18.00} per week, but how am I being charged for something I was denied for?
Product: Debt collection

They rtreatened and sued me for the amount owed even thou the debt it not valid. it is old. The lawyers they hired are very rude and my payments never go through.
Product: Debt collection

National credit systems purchased a debt against me for an apartment lease that I did not live in or rent from. My credit was affected by this and I am currently denied housing from leasing companies due to this. The leasing company that sold the debt to National Credit System has sold their business to a new corporation. Due to this I am unable to have this issue reviewed and rectified. The leasing agent that I originally spoke to via telephone in XXXX of XXXX was terminated shortly after, and then the company was sold shortly after his termination. I never seen the apartment or received keys to the apartment, or lived in the apartment. National credit systems informed me in XXXX of XXXX  that I owe {$4900.00} for the apartment and that I am obligated to pay them in full to clear the debt. When I attempted to enter into a housing agreement with a leasing company, I was denied due to National credit systems being on my credit. The leasing company is " XXXX XXXXXXXX '' broke the agreement of the lease because according to the terms, I never inspected the apartment prior to occupying.
Product: Credit reporting, credit repair services, or other personal consumer reports

My finance bank Westlake Financial stated that they have been reporting my on time car payments to the credit bureau and they have not!
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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.

EXPERIAN 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: Debt collection

I have tried several times to have Equifax and XXXX   correct and erase wrong debt and information corrected on my credit report and each time they have not. XXXX XXXX XXXX  has tried to pass of old debt as new. They bought a debt thats past 7 years old by XXXX and is no longer on my credit report and made it new. Same with a car loan that was a charge off they reported it as a new account in XX/XX/2019 which is false and they have submitted the wrong amount owed. The car was in an accident and the company cot insurance money towards the loan and also the car was released to them and they sold it and did not disclose that amount and remove that amount from debt. XXXX XXXX is going against my fair credit rights in reporting the accurate dates and amounts. Again XXXX is no longer on my credit report due to how old it is I have sent several complaints to XXXX  and Equifax they have done nothing to protect my rights and fix the inaccuracies
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/2023 to the present there is no access to this checking and savings account. There is a negative balance which has been sent to the check and banking reporting service and there are several transactions which have occurred where nothing has been delivered or purchased on the account. There are also bank cards that have been issued on the account and someone has been calling the bank to have any previous credits which were issued as a result of fraud reversed for the charges to be deducted from the account. Most of them are internet purchases.
Product: Debt collection

Collection Service Inc. is in violation of the Fair Debt Collection act by attempting to collect on debt beyond the statue of limitations. In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX XXXX  XXXX {$850.00} XXXX XXXX {$4200.00} XXXX XXXX XXXX  XXXX {$4000.00}
Product: Debt collection

I am attempting to buy a home. This account is the only account standing in my way. Over the past two weeks I have made multiple attempts to settle this debt. I have sat on hold for hours at a time before speaking with anyone. Each time, I was given a different Collection Agency to call to pay it. Each one explained to me that they no longer have my account and it was sent back to Barclay, that I need to speak to them to pay it. Thus, I immediately re-contact Barclay who say that they can not collect the payment from me either. Finally on Friday I spoke with XXXX XXXX XXXX who went in to far more detail with me. I was told that I am only required to pay 42 % of the outstanding debt to clear the matter per Barclays standard practice. I was also told that no collection agency has my account. That it is in " limbo '' and until Barclay passes it to another collection agency I will not be able to pay the debt. I was told this could take months to be reassigned to another collector. 
Phone Number to XXXX XXXX : XXXX My Reference and Account Number can be provided upon request
Product: Checking or savings account

Acct XXXX XXXXXXXX DOB : XX/XX/XXXX  My Account is being charged twice for the same payments, this is affecting my cash flow and adversely hindering day to day task. It is very inconvenient