23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As mentioned I will be on standby for a XXXX XXXX, a copy of certified license to collect debt, accounts level documentation. If you can provide any of this information I am demanding those account be deleted and removed out of your system. 


Put this alleged account ending in # XXXX into do not pay or do not collect status and never to be turned off or anv disruption of service. The statements that you send every month and expect human being to pay are coupons. They represent what has been used and paid. You use the fact that people are not educated into understanding that the bill has already been taking care of by the XXXX XXXX XXXX. In XXXX, the United States filed its XXXX bankruptcy due to what it owed its creditors, the indigenous people of the land had to turn over all gold, silver and land to the company " United States of America.inc. Which is tide back to the XXXX XXXX, in exchange the company would take care of all bills. care for the complete wellbeing, provide a home and vehicle for transportation of the familv and etc. That the people were the consumers and beneficiaries over their XXXX XXXX XXXX and the company is solely responsible for all debt incurred and accumulated. The statements you send ARE coupons and will be indorsed approved signed with r. after the signature then returned. 
The National Debt that the United States of America.inc is the amount that the company owes the indigenous people in these lands. It is NOT the amount the people owe anyone. Our social security card is our credit cards with unlimited funds. All debt is deferred back to the company that ripped off the people in 1933. 
According to Federal Laws, you are committing Fraud, Extortion, Theft and crimes against humanity.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with XXXX and experiqn, some have been deleted but these three account are screwing my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you
Product: Debt collection

Since XXXX, I informed that someone used my name at the address XXXX XXXX XXXX XXXX i never lived there. I trued disconnecting the service and technician stated i am under contract. 
And must go to the property, i told them for my own safety, i am not comfortable, i just left it like that. Then now i am collection. I tried disputing sold by XXXX to another debt collector XXXX XXXX XXXX I explained again stated that it was sold to them and i had to pay. And i also tried letting them know why they kept selling my info to different companies. This is not my bill. If its my bill i will pay.
Product: Credit card or prepaid card

Received the government visa card has no chip on it so limited where it can be spent and if I want to deposit in my bank I have to withdrawl and get charged by my bank to do that. My husband called and requested a check, we waited several months and then called due to no check received just to have the person tell us that they have no record of my husband calling to request a check. This has been a nightmare all the government had to do is cut a check and all would be fine. Of course then the citizens of the USA couldn't get riped off on fees so the bank gets part of the government visa card, what a scam!
Product: Student loan

Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments after graduating. It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, advantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. They didnt even give us an receipts or confirmation emails which is I think is very shady. Therefore, we wont even have anything to prove for forgiveness.
Product: Credit reporting or other personal consumer reports

NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) consumer report, and I noticed that it is reporting my experience with your company. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports! XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( YOU ) ( XXXX XXXX ) Making the report is NOT INCLUDED on my Consumer report! Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( YOU ) [ XXXX XXXX ] that is making the report. CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my utilization to 5 % or below and or delete all Utilization from the below account/s XXXX XXXX XXXXXXXX Failure to respond satisfactorily with deletion of the above Utilization, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX 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. 

Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name : XXXX Account Name XXXX XXXX XXXXXXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX and list of Inquiries 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: Debt collection

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to zero or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have an account with Synchrony XXXXXXXX XXXX XXXX. Last summer, I had to return a couch that was under warranty with them due to manufacturer defects. The replacement item cost more than the item they originally sold me as prices had gone up due to " inflation '' they said. As a result, the company increased my credit limit for one day to allow the purchase of the replacement couch to go through. They then immediately reduced my limit with no notice. Furthermore, they are now reporting on my credit that I am significantly over my spending limit for a revolving credit account which this is not. This is negatively effecting my credit and credit score. They are stating that I owe them {$2500.00} dollars, but only reporting that I have a {$900.00} dollar credit limit. Therefore, they are consistently reporting that I am {$1600.00} over my credit limit. I have attempted to get the company to change how they report this on my credit. I called them multiple times in XXXX and XXXX and each time I received the same answer, that I needed to deal with the credit bureau and not the creditor. I have filed disputes on how this reported to no avail. I am attaching statements from XXXX of XXXX until XXXX of XXXX to show the temporary credit increase of over {$2000.00} and then immediately reporting that I am over my credit limit which they allowed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed 2 student loans mentioned on my credit report while checking my credit score. Since I have never taken out a student loan of any kind, I knew immediately that these loans did not belong to me and were incorrectly placed under my name. I contacted the three reporting agencies immediately ( XXXX, XXXX and XXXX ) and filed a reports requesting that this be removed from my credit report. I received letters back stating that they had " investigated '' the matter and the loans were marked as accurate and did in fact belong to me. When I attempted to ask them what matters they took to investigate, they ( XXXX and XXXX ) responded by saying that they called the loan servicer ( Mohela ) and asked if the information was accurate. To which they replied that it was. This is not an acceptable form of investigation so I called to dispute with Mohela. They confirmed that someone had used my name, a different address and e-mail address to obtain a deferred student loan to attend XXXX XXXX XXXX  College in XXXX XXXX Iowa. I have never been to Iowa or attended college there. This is a brick and mortar institution and I live in XXXX, Kentucky. I finished college over 10 years ago with no debt. There is no feasible scenario where this would belong to me and it is even more suspicious that the loan was deferred. This means someone is receiving federal student loan money and kicking the payment down the road after they run up a tab of loan debt. Mohela said I would need to fill out a forgery packet to have the loan released. I did this and provided my drivers license, social security information, utility bills, mortgage statements, signature examples and other documentation proving that this is not my loan debt. I sent the packet with a full police report back to Mohela within the specified time frame. I sent it with certified mail. It has been months and I have received no response or resolution. It is also worth mentioning that I have recorded all of my calls with the credit agencies and Mohela to corroborate my information should I need to tag legal action. Mohela admittedly serviced a loan to someone who is not me and it has incorrectly appeared on my credit report, negatively impacting my credit score. Mohela has not provided any additional information, supporting documentation or provided a debt validation letter. So far the burden has been on me to prove that this debt isn't actually mine which is absurd.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting the wrong address on my credit report, I do not know where this information is stemming from. 

In correct address below : XXXX XXXX XXXX XXXX New Jersey XXXX I have never have lived at this address!
Product: Checking or savings account

On XX/XX/XXXX I closed my deposit account, the money was supposed to be sent to me by check within a few business days. A week passed but I did not receive the check. I called the bank, they told me that they saw from the tracking number that the check was delivered. I reported that I did not receive the check. I was advised to fill out a form about a lost document and upload it to the website. I filled it out. Uploaded. After 6 business days I called the bank to find out if they sent my check. They told me that my second check had already been delivered and gave me a tracking number. From the tracking number I saw that it was delivered to the wrong address, apparently like the first check. I reported this to a bank representative, and he said that the wrong address is in my profile, although this is not true, I have been working with this bank for five years, I receive cards and letters from them, which confirms the fact that the address in my profile is still correct, and I have never changed my address in the last five years. I filled out the lost check form for the second time. This form was filled out on XX/XX/XXXX and uploaded to the bank 's website. On XX/XX/XXXX I called the bank to find out the tracking number for my new check, but they told me that they issued a check on XX/XX/XXXX and sent it by regular mail, and it should be in my mail around XX/XX/XXXX. On XX/XX/XXXX I still have not received my money, and every time I call the bank they give me different information about the mailing date, about the check number, it seems like they do not have reliable information. I called the bank today on XX/XX/XXXX and they offer me to fill out the lost document form again. It has been 1 month since I closed my account but I still have not received the money and reliable information on how and when I can get it.
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a collection account from XXXX XXXX that was incorrectly reported. On XX/XX/19 the information was updated as paid and it states it is going to sit on my credit report for 4 years. I had two accounts and they deleted the other one.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to build my credit over the last year in order to secure business funding for my growing company. I recently took out a home loan 5 months ago and had gotten my score to over 768 points with Experian the primary bureau that business funding looks at. 

When I went to apply for the much needed business funding, I was informed that I was denied due to my Mortgage loan reporting a 30 days late in XX/XX/2019. This dropped by score below 700 which was the minimum requirement for funding ... I called the company administering the loan " XXXX XXXX  '' and found that my loan had been sold to their company and that they would be my new servicer of record. This was fine, but I was not past due and they admitted on a recorded line that they had made a mistake. They told me it would be resolved and updated. 

I also submitted a dispute with Experian directly as to ensure that XXXX XXXX would be held accountable. I was notified this morning however that XXXX XXXX " validated the 30 days late '' and Experian denied my dispute and will continue to report the late. 

I have since this morning re-disputed the item with the 3 major bureaus and written my 3rd email to XXXX XXXX support with no replies. 

I have drafted a letter of complaint that I will attach outlining the facts and details of my situation, but ultimately they have reported in error and it is impacting my life dramatically. 

Please help me get this resolved! 

XXXX XXXX
Product: Vehicle loan or lease

I financed my XXXX XXXX XXXX with Exeter in XX/XX/XXXX when I bought the vehicle. 
My car was totaled in a hit & run, Monday XXXX. I immediately started my insurance claim process, and it is required that I send a Full payment history from my finance company ( Exeter Finance ) to finish filing my claim. I have called Exeter over 5 times, and spoke with 5 different representatives to have my document both emailed and faxed to me, multiple times. I never received the document. I have been emailing and calling them for over two weeks now and still do not have the document I requested. 

I am now still waiting to finish filing my claim and it is causing me major problems while I am without a car. Exeter is starting to make me think they are purposely prolonging sending me my document to keep getting money from me! I find it hard to believe they would do this but I am extremely frustrated that the payment history STILL has NOT been sent. I need them to email me back! I have sent over 10 emails with no response and phone calls are not seeming to work either as NOBODY IS SENDING ME WHAT I NEED. 

I've also asked Exeter for a status update on the {$2000.00} refund sent to them from my car dealership to go towards the balance of my loan. The refund has not been applied to my account yet, I am still waiting on my PDF so I can file my claim, and Exeter WILL NOT respond back to me. I NEED HELP GETTING THEM TO SEND ME MY DOCUMENT PLEASE. I AM VERY CONCERNED WITH THIS SITUATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX The following Accounts, has violated my rights. 

XXXX XXXX XXXX XXXX Account # XXXX {$800.00} XXXX XXXX XXXX Account # XXXX {$460.00} XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Reference # XXXX {$460.00} XXXX XXXX XXXX Account # XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX Bank XXXX {$970.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX Bank {$970.00} XXXX XXXX XXXX  XXXX Account XXXX XXXX {$3000.00} 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
Product: Student loan

Myfedloan won't accurately process my annual certification for public loan service forgiveness. I have been trying for 6 months and they still won't give me any credit for all of XXXX for the PSLF program, they are not accepting anything from that year as a qualifying payment and they won't explain why I have been working full-time for the same employer ( XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX ) since XX/XX/XXXX. Every year I recertify and my payments are added to my total. But when I submitted in XX/XX/XXXX they never processed my application. Then I submitted again in XX/XX/XXXX and they accepted the 6 months in XXXX as qualifying, but forgot to look back at XXXX. So now instead of 61 payments ( out of 120 ) qualifying for PSLF forgiveness I only have 49. 

I emailed them about it, and they said the XX/XX/XXXX application is in process, but that's false, because I already got multiple emails from them indicating that they processed the application but approved XXXX and not XXXX. I emailed them again, and this time they said I am incorrect to assert that my latest recertification was processed incorrectly because they show the XX/XX/XXXX recertification as pending, but that is also incorrect as I was very clear I am emailing them about my XX/XX/XXXX recertification. For some reason they show my XX/XX/XXXX recertification as processed with all of XXXX denied, but when I email them they either say it's not done or they falsely claim my last recertification request was in XXXX. 

None of this makes any sense, I've been with the same company for 5 years, they approved all the dates in XXXX, XXXX, XXXX, XXXX, and XXXX, but for some reason they won't process XXXX and eveerytime I contact them they give me a new excuse. I've sent several emails this week and nothing. I don't trust in calling them because I've learned over the years nothing they say verbally will they ever be accountable for. I just want them to reprocess the PSLF certification I submitted on XX/XX/XXXX ACCURATELY, which means processing the dates for XXXX as well.