23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This is an on-going problem that has become " ROTE '' and Repetitious with this student loan debt collecting agency called PHEAA or Pennsylvania Higher Education Assistance Agency. On XX/XX/XXXX I received another Wage Withholding Notice which make 3 within 8 months. No response to my request for a Hearing on each notice. And, no response to the legal documents, forms and letters sent out " Certified Mail '' with each notice. The Packet I sent out on XX/XX/XXXX, " Certified Mail '', to PHEAA and the Credit Dispute Resolution Lead, included incriminating student loan documents taken from my original Files/ School student loan Records. Indicating my Private Loans were consolidated with some Federal Loans. My type of loan, the loan holder, balances, fees, penalties, interest and principle had been altered, lined through, crossed out with defaced manual entry ( s ) listed throughout the documents. This occurred without my knowledge or consent and is indicated on each document page. These records/documents date back to XXXX through XXXX. When my student loan exchanged hands between, my school, The University of XXXX XXXX and my loan holder, XXXX XXXX and was presented to me in XXXX. I questioned the validity of this loan, when I received my first payment notice. I made it known to the XXXX XXXX XXXX XXXX XXXX and filed a claim and sent out letters to various reporting agencies. PHEAA, as it was disclosed to me, has had in their possession, my private loan information as well as the altered documents. Yet, XXXX XXXX previously informed me that a " Disgruntled Employee '' had " Stolen '' my student loan records along with others ' exposing my personal  and private Data. PHEAA and its affiliates denied this ever occurred. The supporting documents I sent PHEAA validates my claims and reports of Fraud, mishandling and altering my student loan documents as well as the harassing ROBO calling, notices, threats and scare tactics I continue to endure from this agency and its affiliates. The Recurring Collection/Contractual Violations I am experiencing from PHEAA, along with the number of recent Debt collection calls asking me to apply for a Forgiveness or negotiate reasonable payoff is a Direct Violation and I reported these calls the the FTC with the random/sequential numbers and third Party collection agencies involved with PHEAA. I am convinced PHEAA and its affiliates ' methods follows the form of a Ruse/Disguise to achieve its Abusive/Deceptive Predatory collection practices. Included in the Packet I sent PHEAA on XX/XX/XXXX is a Form for False Cert/Discharge. This is my third time sending this Form to PHEAA.
Product: Credit card

My husband passed away and as a result I ended up in a Chapter XXXX bankruptcy which was XXXX on XX/XX/2014. Chase Bank continues to show up on my credit report as a balance that is past due, preventing me from rebuilding my credit and damaging my scores. At almost XXXX years old, my bankruptcy attorney told me that they ca n't do that, but he ca n't help me fix it. Please have change correct their errors and apologize.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I contacted Experian about a account that appears on my credit report. XXXX XXXX XXXX XXXX. I asked the representative when is this account due to come off my credit report he told me I asked can the account be removed using the early exclusion rule The representative put my on hold for a while and told me that the early exclusion was granted and the account would be removed. After logging in a few days later and seeing that the account was still there i called Experian back i spoke to a rep who could not help me so I spoke with a supervisor by the name of XXXX. He informed me regardless of what I was told the previous day that the account would not be removed. I explained to XXXX this account has been on my credit report illegally for almost 7 years and Experian is the only agency reporting this account. And that i was hoping that Experian would atleast stick to there word and remove this account using the early exclusion rule.
Product: Credit reporting or other personal consumer reports

US DEPT ED Account Number XXXX  I received a copy of my credit report. I noticed that you are reporting this account incorrectly .This Collection account is reporting not only as OPEN, but also shows a past due balance of XXXX. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report, Please provide me a copy of my new credit report. reflecting this account removed upon completion
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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

Experian continues to report an account a inquiry that was obtained without my consent. I have no knowledge of the account along with the inquiry that shown up my credit report. I have filed another police report and an FTC report due to these fraudulent transactions. Experian has not done anything to fix the situation, hoe are these accounts even coming back verified when I did not authorize XXXX XXXX ever to run my name or issue a account in my name. 

FTC report number : XXXX I have also attached another coy of my police report that the specialist I spoke to this morning with Experian claims they do not have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

you that this matter is causing me financial hardship. For any such reason an appropriate legal and lawful response cant be provided will result to further action being taken. Failure to a response within 10 calendar days will constitute as your acceptance that this is not a valid debt. Please verify, validate that LEGALLY I am responsible for paying this alleged debt. A sample answer of " been verified '' doesnt constitute an appropriate lawful or legal response. PLEASE REMOVE THE FOLLOWING IMMEDIATELYXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to follow up on my previous dispute regarding inaccurate late payment reporting on my credit report. Despite providing evidence to support my claim that the late payments reported by this account are erroneous, the issue remains unresolved. Furthermore, I wish to emphasize that the account in question is covered by Insurance, which should have ensured timely payments and prevented any negative reporting. 

As previously stated, the late payments reported by the account are inaccuracies that have unjustly impacted my credit score and financial standing. It is crucial to note that the Insurance policy associated with this account is designed to cover any outstanding balance in the event of certain circumstances, including job loss, disability, or death, thereby ensuring the timely payment of obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$5100.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of a hard inquiry that was placed on my credit report by your company. I recently reviewed my credit report and noticed the inquiry made on XX/XX/XXXX. After further consideration, I believe that this inquiry was either made in error or without my authorization. 
According to my understanding, hard inquiries should only be made with the consent of the individual or under specific circumstances, and I do not recall providing such authorization for this inquiry. Therefore, I respectfully ask that you review this matter and remove the inquiry from my credit report. 
I understand that credit reporting agencies have protocols in place for handling such disputes, and I am happy to provide any further information or documentation that may be necessary to facilitate the resolution of this issue. 
I would appreciate your prompt attention to this matter. Please confirm in writing once the inquiry has been removed or if any additional steps are required from my side. 
Thank you for your time and understanding. 
Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX calls multiple times a day, and leaves no messages. They are just calling to harass me.
Product: Money transfer, virtual currency, or money service

Plutus Financial Inc DBA Abra XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX A check was sent with my wrong last name on XX/XX/year> I sent dozens of e-mails to XXXX to correct the error in order to re-send me the refund with the correct name. Plutus financial sent a check with my email last name instead of my correct last name. Plutus financial sent the check wrongly addressed to XXXX XXXX. The check should be addressed to XXXX XXXX. I sent a certified letter to Plutus financial Inc DBA Abra with a copy of the original check, photo ID, CDL photo & a copy of e-mails I sent to XXXX. on XX/XX/year>. 
I have not received an answer except for the fact they keep telling me they don't know when the funds with the correct name will be sent.
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 right to privacy and confidentiality under the 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 15 U.S.C 1681 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2- also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.V 1681c ( a ) ( 5 ) 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 conviction of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Fake accounts were opened in my name at SunTrust Bank. I called the bank more than once to close the fake accounts. The last phone call was on XX/XX/21. I also wrote a letter on XX/XX/21 to tell the bank to close the accounts. 

SunTrust closed the savings account but not the checking account. I am contacting the CFPB because I am tired of getting the run around from SunTrust.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed a dispute with TransUnion asking them to remove the credit line item for XXXX XXXX, due to incorrect information being reported.  I asked that Transunion contact the creditor for validation and I do not believe that they followed the law or my request in doing so, because they did not remove the item, even though the information being reported is clearly a conflict.  XXXX XXXX states that my last payment was made XX/XX/XXXX, however, the account has a pay status that says ">Account Included in Bankruptcy< XX/XX/XXXX"  Please help me understand how a payment was received in XXXX for an item that was included in a bankruptcy from TWO YEARS prior??? I'm uploading a screenshot of the item on my TransUnion Online Update Profile that was sent to me XX/XX/XXXX in response to my dispute XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At different times each of the 3 credit bureaus will lower my credit score by approx. 50 points. When I review the information change the changes are positive. i.e. paid credit cards to {$0.00} etc. I understand when my credit score goes down due to adverse information but can not accept the the fact that two credit score will go up 47 ( XXXX  ) points 49 points ( XXXX  ) on new information and another one will go down 40 ( Equifax ) points at the same time on the same information, it is almost like the agencies do not want to have my scores improve past 700. I have worked tirelessly for 3 years and feel I am being treated unfairly
Product: Debt collection

I paid the amount requested from XXXX XXXX group and they still list me as disputing the account causing me to not quantify for a XXXX loan because of a dispute collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companies below ran my credit score without my permission and I want the problem to be fixed and the inquires to be taken off of my credit report ASAP. 

- XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX for auto finance - XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX XXXX in XXXX XXXX, XXXX for XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX for finance - XXXX XXXX on XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance - Capital One XXXX XXXX, XXXX for auto finance - XXXX XXXX XXXX XXXX, XXXX for auto finance
Product: Checking or savings account

I've been banking with Wells Fargo since 2005 and I know that at beginning of every year the fees are able to be waived, on XX/XX/XXXX I had a over draft charge of {$30.00} and asked for it to be waived, they said no. I need that {$30.00} overdraft fee back. At this point its about principles
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Heroes Act passed by Congress, late payments were not allowed to be reported during the XXXX Pandemic. The attached accounts violate this law. I have written to the credit bureaus on XX/XX/22 and XX/XX/22 requesting the late payments be deleted with no success.
Product: Credit reporting

I have set up an account with XXXX to monitor all XXXX of my credit reports. I have noticed several XXXX inquiries reporting on all XXXX credit reports that were not authorized by me in anyway. Rather than submitting XXXX dispute at a time regarding the unauthorized inquiries, I have attached a word document showing all unauthorized inquiries reporting on Experian.
Product: Vehicle loan or lease

Auto loan through Ally Financial was opened XX/XX/XXXX fir {$30000.00}. The loan payments were roughly $ XXXX/mo. The monthly payments were made on time or early each month and at times made with double payments all the way until XXXX calendar year. There were three months were the payments started to get late do to marital issue at the time along with some other financial issues that arose from the start of marital separation and divorce. Ally was contacted on multiple times regarding the late payments and sought help from them for possible refinance, or any other assistance. I was told that at the time of that they were unable to offer assistance because the principal amount was not low enough for a refinance, however I argued this point with them and informed them that I applied for a refinance with my personal bank and was approved for loan with lower interest rate and payment however the amount approved was for minus {$2000.00} so I would have still been left with a balance owed to Ally and had to make two payments. The vehicle was repossessed around the summer of XXXX. I had sought more help from them after the repossession due to having {$200.00} dollars less than the full amount to get vehicle back amd they refused to work me regarding a plan as like was done leading up to the repossession. The vehicle was sold in auction however the amount sold for was not able to cover remaining balance. Since XXXX the auto loan went to collection and had been paid back under hardship at {$25.00} a month. The loan was recently sold to another agency and they are threatening legal action because its being paid back under hardship and not at a high enough payment. The amount owed is {$12000.00}. 
Ally recently hit my credit report after I filed a dispute through the credit bureau requesting the monthly payment of {$25.00} be reflected as being paid toward balance and instead I encountered a 32 point hit because they claim I only pay 6 % of the time. It is my belief that Ally benefited from their predatory practices that only benefited them and not the consumer that held the loan by negotiating terms or stipulations that were not achievable by the consumer therefore causing financial harm to the consumer while Ally made money off of the consumers financial trouble.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making complaints about two separate issues. The first being the presence of 3 accounts that are inaccurate and the creditor has requested a tradeline deletion that Equifax has choosen not to honor. the following creditors have confirmed their submission of a universal data form requesting their tradeline be deleted from my credit reports : XXXX/XXXX brands, XXXX and XXXX XXXX/XXXX brands. The second being inaccurate payment history being displayed on my credit report for my student loans with XXXX. XXXX has repeatedly inaccurately reported late payments for the period of XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX-XX/XX/XXXX. During these period of time, I requested a forbearance for my accounts held by XXXX. The forbearance was granted and my financial obligation to repay the loans for those months was removed. Despite not being obligated to repay during those months they are reporting as late. I have requested copies of my approved forbearance requests and have only received copies for the XX/XX/XXXX year and am still waiting for the XX/XX/XXXX transcript.
Product: Student loan

I was approached by Equitable Acceptance Corporation in reference to my Federal Student loan in XX/XX/2017. The company representative stated that I qualified for a special program of repayment. I was told at the time to pay a set monthly rate for three years with an annual income review each year. At the end of that period of time my student loan debt would be forgiven. I currently pay {$39.00} monthly.

I recently discovered that this company shows up on my credit report as a charge card.

I called Equitable Acceptance Corporation and got a total run-around. This led me to call The Department of Education/XXXX. The representative informed me at that time that this company is known to be scamming people in reference to student loans. All the payments that were collected were never applied to my loan. They provide no services. Consumers are able to negotiate repayment directly with the Department of Education free of charge.

After some internet searching I have discovered the following information : 1. The FTC has taken action against this company and other similar companies. I have included a  link to the article : https : //www.ftc.gov/XXXX 2. There is an ongoing class-action lawsuit filed against Equitable Acceptance Corporation by XXXX XXXX and XXXX XXXX XXXX. I have included a link to the article : https : XXXX 3. The company has also been sued by the state of New York. I have included a link to the article : https : XXXX 4. Here is another article on the same subject : https : XXXX These are by no means the only negative articles and information about this companies deceptive business practices. I was scammed by Equitable Acceptance Corporation and hope to prevent another person from being taken advantage of by their deception and outright lies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to complain about Mission Finance and XXXX  Credit  Bureau. Mission Finance sent me a bogus certified letter. The letter did not provide a phone number, return address, or location for the Auction sale. XXXX  has this listed as a repossession on my credit score which is prohibiting me to obtain a job as an  XXXX XXXX and purchasing a home. I reported to the Federal Highway Tax and fuel that the XXXX  was destroyed. I had paid for the 2290 Form and could not get my money back
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX