23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have two significant complains with AES/PHEAA : 1 ) I graduated college in XX/XX/2008, and after my six month grace period for repayment ended, I was not in a financial position to repay the full amount on my student loans. I had moved to XXXX and with the exorbitant cost of rent, could not afford a $ XXXX monthly student loan payment. I called AES/PHEAA to inquire about my options to lower payments. They steered me into a program called " Modified Graduated Repayment Program '' or something to that effect, which successfully lowered my monthly payments. It was n't until nearly 18 months later, after making thousands in payments, that I realized my loan balances had not lowered at all. In fact, and I could be mistaken, but I believe some even increased in balance ( I ca n't recall if there was additional forbearance granted on some of the loans or not ). Apparently I had been making interest-only payments. When I called AES/PHEAA to inquire and ultimately change the repayment schedule, I even asked the person why someone would willingly enter into that type of interest-only repayment program and he admitted, " I do n't know, I would never do it ''. At this point, I had wasted thousands of dollars in loan repayments and I wed just as much or even more than when I started. I was clearly steered into a repayment program with horrible, even predatory, terms and was not aware that any other options existed or that income-based repayment could have been possible. I am still paying the price today as my balance is higher than it should have been and I have been charged the related extra interest all these years. 

2 ) On numerous occasions in recent years, I asked AES/PHEAA to apply or allocate additional principle ( I regularly paid more than required ) solely to my private loans. I have a mix of private and federal loans and wanted only the minimum applied to federal loans and everything to go towards paying down my private loans, which remained high due to the mistakes described above. Instead AES/PHEAA ignored my instructions and my federal loans are now entirely paid off ( and have been for nearly a year ), while I still have $ XXXX in private loans. As a result of AES/PHEAA 's mistake, I will no longer be eligible for future student loan incentives ( that only applied to federal loans ) through my employer that could have totaled in the thousands. 

As you can see, AES/PHEAA guidance and poor management had the direct result of costing me thousands of dollars. I can not speak to their motivation, or if it was intentionally predatory in nature, but their actions resulted in me paying thousands more in interest than needed and the elimination of my federal loans at the expense of keeping my private loans active, which I assume is better for them. 

I recently shared these same concerns with AES/PHEAA, but have yet to hear back. Ideally, I would like either a balance reduction and/or for my payments to be allocated as intended so that my federal loans are re-instituted on schedule so that I can once again receive student loan incentives from my employer. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello Sir/Madam I am writing concerning a pressing concern in my credit files that I would like to have revised. I received my XXXX, EXPERIAN, and XXXX  credit reports. My credit reports are reflecting LATE PAYMENTS on my student loans which are incorrect and affecting my credit negatively which is keeping me from obtaining credit. I took pride in the fact that all my accounts were always in a positive status. The LOANS ARE PAID AND CLOSED BUT STILL REFLECT NEGATIVELY on my credit reports. My student loans were in forbearance and when XXXX and XXXX XXXX split my loans defaulted. I am at my whits end with this. XXXX XXXX ADMITED THE ERROR ON THEIR PART BUT XXXX REFUSED TO BUY BACK THE LOANS FROM XXXX XXXX. 

I am the sole provider for my family and this has left us in an unfavorable position financially. I am about to begin the process of purchasing a new home, and it has come to my attention that the late notation from XXXX XXXX is keeping me from being able to get approved for a home. Since that notation does not reflect correctly with bureaus I am requesting that you please update all 3 credit bureaus XXXX, XXXX and EXPERIAN to reflect NO LATE PAYMENTS OR REMOVE THE ACCOUNTS FROM MY CREDIT FILES. I HAVE 30 ACCOUNTS REPORTING NEGATIVE!!! THE ACCOUNTS ARE PAID AND CLOSED. I would like this done most expeditiously. I HAVE FILED A COMPLAINT WITH THE CFPB AND XXXX IS STILL GIVING FALSE INFORMATION. I NEVER SIGNED ANY CONTRACT WITH XXXX!!!! MY LOANS WERE UNDER XXXX XXXX!!!!! 

Unfortunately I can not get into my XXXX XXXX account but I have enclosed a screenshot of the deferment request that was sent to me from XXXX XXXX. 
I thank you again for the time you have spent reading this correspondence. I hope to communicate with you soon
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to you so that you will assist me in getting identity theft items and incorrect status items and unknown items removed from my credit file. the following items does not belong to me : XXXX XXXX  - XXXX XXXX XXXX  - {$560.00} Unknown - Acct # XXXX ; Bal {$41.00} Unknown - Acct # XXXX ; Bal : {$41.00} XXXX - {$1300.00} XXXX  - {$390.00} The following items are reporting an inaccurate late status for the following accounts : XXXX  - Bal : XXXX ; incorrect late status of 30 days late in XXXX and XXXX XXXX  XXXX - Bal : {$19000.00} ; incorrect late status of 30 days late in XX/XX/XXXX XXXX XXXX XXXX - Bal : {$200000.00} ; incorrect late status of 30,60, 90, 120 days late in XXXX and XXXX The following Public Record is not mine : Chapter XXXX - Dismissed XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN 30 DAYS. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE FOR THE ITEMS DISPUTED AS WELL PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have been emailing this company about this fraudulent account and how I was XXXX  at the time the account was open and I sent in Federal Documents stating my XXXX. 
Account Name : Credence Resource Mana Account Number : XXXX Account Open XX/XX/2021 Account Amount {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to submit a formal complaint against Experian regarding inaccurate information on my credit report. On XX/XX/XXXX, I contacted Experian to dispute certain information that I believe is erroneous. However, I have not received any response or resolution from Experian to date. The following are the details of the disputed accounts and the required corrections : Account Name : XXXXL XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$300.00} The following account was never late, and I request Experian to remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This account is not mine, and I request Experian to remove it from my credit report. 

Account Name : XXXX XXXX ( Duplicate Account ) Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5700.00} This is a duplicate entry of the above-mentioned XXXX XXXX account. I urge Experian to remove this duplicate account from my credit report. 

I am deeply concerned about the inaccuracies in my credit report, as they have significantly impacted my creditworthiness. These errors have the potential to affect my financial opportunities and obligations adversely.
Product: Debt collection

they would change their voice, and say they have a case against me and they going to take me to court.. different people keep calling from different numbers. last this last person name XXXX call and said that she was going to contact my job.I told her that she have to send me some info and she said that they dont.
Product: Debt collection

I am writing to file a complaint regarding LVNV Funding LLC, specifically related to account number XXXX. I have serious concerns about their access to my personal information and their legitimacy as a debt collector. 

I did not consent to LVNV Funding LLC accessing my personal information when they purchased my debt. Furthermore, I have noticed that this account is not reported on other credit bureaus, raising questions about its validity. Additionally, I believe that LVNV Funding LLC does not hold a valid license to collect debt in Indiana. 

Given these circumstances, I am requesting the immediate deletion of this debt from my credit report. Please be advised that failure to comply with this request may lead me to take legal action, seeking {$1000.00} per violation, as well as recovery of attorney fees. 

I appreciate your attention to this matter and look forward to your prompt response. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Independent Recovery Resources is a collection agent that was allegedly hired by my doctor 's office. They filed an adverse complaint against my credit report in XX/XX/2019 after the account was allegedly placed in collections with them on XX/XX/2019. However, I paid the account on XX/XX/2019 and provided written evidence to this effect on XX/XX/2019. The doctor 's office confirmed that the account was not in collections and the matter should not have been reported to the credit bureau. As of today, there is still an adverse report on my credit report. Please penalize this business for their illegal acts and order them to remove the matter from my credit account.
Product: Credit reporting, credit repair services, 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 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 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 XXXXXX/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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting or other personal consumer reports

My Name is XXXX XXXX XXXX SSXXXX DOB XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX , My rights have been violated, My account is not in concordance with the CFBP regulation, with XXXX and Equifax, i have disputed this matter about my XXXX card, XXXX card, and XXXX card with XXXX and Equifax, about my closed account, recording, about 5 times. The last time I put in a dispute was on XXXX XX/XX/year>, Today is XX/XX/XXXX and I still have not received a response over 30 days with my dispute, now I am locked out of my dispute account section, it is saying on the page something is not right, I should visit dispute center, I can not visit the dispute center because am locked out, can you please look into this matter with my credit report.
Product: Checking or savings account

This is XXXX account holder ending XXXX This is several time reach and report account to use XXXX transaction to take withdraw without my permission or authorization to send unknown activity use my wife name and go to my wife account to same day transfer to unknown account like XXXX XXXX and XXXX XXXX XXXX XXXX XXXX fraud banking going on in XXXX They charge fraud my account to hit my account as charges of XXXX $ and bank say is true XXXX and me and my wife both are denied. This transaction about XXXX is late night and both in this time sleep is XXXX transaction to be continue down
Product: Bank account or service

I have checking (debt card number *******************) and credit card account in back of America.
I added my wife to my bank account about XXXX years ago so she can know my financial situation.
I did not allow her to have debit card or check.
When she need money, I transfer for her until her decided to abandon the marriage XXXX.

She left me about XXXX dollars of credit debt and empty my bank before abandon the marriage.
I donot know where she is now, and she did not know the mailing address of my account.
But with the help of BOA, she can still successfully steal money from my account even after being removed from my account XXXX.

In XX/XX/2015, she stole XXXX from my bank account (in person transaction).
It caused me big trouble and I called BOA XX/XX/XXXX.
BOA suggested me to remove her from my account.
I was told she will not be able to access my account anymore.

A week later, she stole another XXXX by ATM.(she is never authorized to have debit card)
I called BOA XX/XX/XXXX and got the refund immediately. 
I was told I account is safe now again and again.
I asked for confirmation number and was told I can mention her name XXXX as reference.

A week later, another theft happened, about XXXX purchases.
I filed claim again......and got credit.
XXXX days later, my account was totally empty and it was closed.
I called BOA, and was told my wife did it to prevent me from file claim.
BOA used all kind of excuse to delay or refuse to solve it.
BOA did not give me any solution in XXXX months.

I can not access my account so some date and amount is based on my memory.
BOA is on the side of theft and helping crime.

XXXX I XXXX can not access BOA branch. My autopay associated to BOA checking account were all rejected. My tax return payment with this account was also in process. It also caused big influence on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ASCENDIUM EDUCATION / XXXX XXXX XXXX WENT ON MY XXXX AND RUINED MY SCORE FROM ''XXXX  '' TO ''XXXX '' AND THIS IS NOT ACCURATE ITS OLDER THAN 10 YEARS WAS OPEN XX/XX/2007 BY XXXX XXXX/ XXXX , IAM AM CURRENT I DONT KNOW WHY THEY KEEP DOING THIS THE OTHER 2 CREDIT BUREAUS ARE THE SAME WAY RUINING MY CREDIT I CAN NOT GET ANY LOANS WHAT SO EVER ... ... I HAVE PROOF THIS LOAD IS NOT ACCURATE AND ITS OLDER THAT 10 YEARS ... .. 

CURRENT LANDER IS ''XXXX  '' XXXX XXXX..
Product: Debt collection

SOMEONE MAY HAVE USED MY PERSONAL INFORMATION TO RENT AN HOUSE IN XXXX FLORIDA. THERE ARE SOME MISTAKES THAT CAN HELP THE CREDIT COLLECTOR TO SEE THOUGH THIS SCAM FOR WHAT IT IS BUT THEY REFUSE TO REMOVE THE ITEM FROM MY CREDIT. 
1. NEVER LIVE IN THIS ADDRESS AND NEVER SIGN ANY LEASE IN PERSON OR ONLINE. 
2. MISSPELLING MY FIRST 3. NOT MY SIGNATURE ON THE LEASE AND I DON'T KNOW ABOUT IT. I'LL SUMMIT MY MORE PROOF ON YOUR REQUEST. 
Creditor : XXXX XXXX XXXX XXXX Credit collector : Fair collections & outsourcing Account # : XXXX.
Product: Student loan

XX/XX/XXXX : submitted IDR application thru US Student Aid electronic app and attach XXXX XXXX XXXX for income verify. 
XX/XX/XXXX : XXXX recieved app and still processing. 

Has been no update and reason for delay, also we are supposed to be in 60 day foreberance on my account. That has not occurred.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), an account opened at XXXX XXXX XXXXXX/XX/XXXX an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ), An account opened at XXXX on XX/XX/XXXX, an account opened at XXXX XXXX on XX/XX/XXXX, an account opened at XXXX  on XX/XX/XXXX, and account opened at XXXX XXXX. on XX/XX/XXXX, and an account opened at XXXX on XX/XX/XXXX, and an account opened at XXXX XXXX on XX/XX/XXXX, and an account opened at XXXX XXXX  XXXX XX/XX/XXXX and an account opened at XXXX XXXX XXXX on XX/XX/XXXX, and an account opened at XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX previous complaint file XX/XX/2018 was dismissed by company. Please take action as the agency who protects my financial information. 
* USAA & XXXX reported my work experience, date of employment, etc on XXXX XXXX XXXX  background report * USAA & XXXX did employment inquiries on XXXX XXXX XXXX  credit report to gain information -- this endangered her ability to collect her XXXX pay as she can not work. 
* USAA & XXXX 's intent was to prove that XXXX was not an actual person but fictious to prove that I did not have a XXXX  sister. 
* USAA & XXXX XXXX intent is to show that I have mental illnesses that I do not have. 
AS the FEDERAL agency appointed to protect ME and MY PRIVATE information, please investigate what has been reported on XXXX XXXX XXXX reports and background and inquiries that are actually mine and were caused to be there by USAA & XXXX. It if vitally important to me that my sister NOT HAVE my background information or any current or future information.
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, has violated my rights. 

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

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

XX/XX/2017, {$700.00}, XXXX XXXX, Which My Medicare Insurance Company Said I Do Not Owe To XXXX XXXX. I Have Asked Them Not To Call Me Again. They Have Called Me And Harassed Me 5 Times About This Claim. I Have Also Contacted A Law Firm That Specializes In Debt Collection Harassment.
Product: Credit card or prepaid card

This concerns Comenity Bank where I have two store credit cards : XXXX and XXXX. They claim theyve been redesigning their website for over over a week now. The redesign started in XX/XX/XXXX and as of writing this on XX/XX/XXXX you can not access the account at all. They have a statement on the sites that says the redesign is taking longer than anticipated etc. However, when you try to call customer service to check a/c status, make payment etc no one is answering the phone and a prerecorded message about website issues. No one seems to be saying when this going to be resolved well be hit with late fees and now many people are reporting that their accounts that were in good standing - like mine- their cars are now being declined. All were asking for is some transparency and the the truth as to what exactly the issue is.