23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied for a student loan through Ascent 's website on Sunday, XX/XX/2022, after thoroughly researching private student loan interest rates on many sites. Ascent advertises they offer a 3.27 % Fixed APR for credit-worthy borrowers. Upon applying, I was prompted to add a cosigner due to my lack of sufficient income. I had my mom added as the cosigner. After she completed her application, I was pre-qualified and I could choose a loan product to see my individual rate. I went through and chose the options that would yield me the lowest fixed interest rate. To my surprise, the lowest offered to me was over 9 %. Mine and my cosigner 's XXXX scores are XXXX and XXXX Credit scores over 800 are generally considered well-qualified and credit-worthy. On Friday, XX/XX/XXXX, my cosigner called Ascent to ask what would qualify someone for a lower interest rate, or just anything closer to the advertised 3.27 %. The representative could not provide much information. I proceeded to call and spoke with two representatives. They both could not tell me what would qualify someone for the low rates being advertised, but that it depends on credit and debt-to-income ratio, and other factors. I requested a call back with more detail on what the tiers are for rate increases on qualifications. Within a couple hours, I received a call back stating the interest rate is solely dependent on credit ( not debt-to-income or other factors ) and only a score of exactly XXXX would qualify for the advertised 3.27 % fixed rate. He proceeded to tell me they have plenty of borrowers that qualify for the advertised low APR. So I did some research. Approximately 1.6 % of Americans have a perfect XXXX score of XXXX. Approximately 8 % of outstanding student loan debt is from private lenders. Of that 8 %, only 11 % is graduate loans. ( Keep in mind, we are talking about the XXXX loan specific rate, not XXXX ). Ascent is not the biggest private student loan lender. If you do the math, they are advertising a rate that *most likely* no applicant qualifies for. Only 1.6 % of the entire population has a perfect XXXX score. Of that 1.6 %, how many are applying for a graduate student loan through Ascent? I understand that I do not have an XXXX score, but I and my cosigner do have excellent scores of XXXX and XXXX. Those credit scores should not constitute an almost-triple APR of that advertised. They are actually offering me a rate closer to the highest APR offer than the lowest. The advertisement is clearly misleading and does not contain any disclaimer that " credit-worthy '' means an XXXX ( literally perfect ) credit score only and without it, your rate will be astronomically higher, even if you are credit-worthy and considered to have excellent credit.
Product: Credit reporting or other personal consumer reports

This account has been charged off so the balance should be {$0.00}
Product: Credit reporting or other personal consumer reports

On my most recent report it is reflecting account XXXX account number XXXX as a charge off which has tremendously spike up my depth owning more that is caused by the inaccurate interest rate being charged and potential late fees. Because XXXX is recording I am 30 days late on XXXX, but Equifax is showing 90 days late This has been hurting my credit score for a while now and has lead to derogatory remarks. 

Also Equifax is saying I am charged off for 120 days for three consecutive months. the Fair Credit Reporting Act ( FCRA ). Getting the late payment removed depends on its accuracy. The FCRA is a federal statute that allows you the opportunity to dispute false information on your credit report, thus I am demanding that this information be removed from my account immediately
Product: Credit reporting or other personal consumer reports

I have noticed a number of credit card and other debts being reported twice on my consumer credit reports. 

There are accounts such as XXXX XXXX purchased a number of credit card accounts that is being reported by XXXX XXXX  and the credit card company such as XXXX XXXX  for example. 

XXXX XXXX is collecting or purchased debt from XXXX XXXX so why is these accounts being reported by the Debt Collector or New Owner and the Original creditor? 

Is that fair credit reporting to report accounts in collections twice?
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, 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 Acct # XXXX XXXX Acct # XXXX XXXX Acct # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # : XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # : 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 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: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My name is XXXX XXXX an authorized individual to handle the account for a XXXX XXXX XXXX. I spoke to the Collection manager XXXX XXXX which, at the beginning he seemed helpful in trying to resolve a matter, the next day I e-mailed and called him to let him know I got XXXX to commit to a settlement, he then turned and said he ca n't do it and he started saying he would take legal action against XXXX, I tried to warn him he can not use threats and he proceeded to say this is what he does all the time. He violated numerous FDCPA infractions and compensation is warranted for these actions. Collection Managers should never conduct themselves the way he did. I 've contacted his compliant officer and they can not obtain the call recording. They have asked me to provide it for them and they are hoping there is no evidence of this call. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX of XXXX and XXXX of XXXX I lost my job due to the Covid pandemic. I made several attempts to let them know of the problem. Each time they responded with a generic respond stating they are aware of the lateness, and that they cant do anything. In fact they said they have to submit the remarks to the credit bureaus. In XXXX XXXX XXXX I made a large lump sum payment of XXXX to catch the account up. I have been current since. 

Since XXXX of XXXX the government released the CARES ACT which states if the consumer cooperates with the lender they will not penalise the consumer and remove any negative remarks. 

I called several times to let the lender know of the CARES ACT and each time they said its not their policy. This is in-spite of federal law. 

I would like them to remove these remarks or update these remarks on my report immediately.
Product: Debt collection

On XX/XX/2023 a collection from XXXX XXXX XXXX was added to my credit report. The collection is not mine and I never signed a leasing agreement claiming financial responsibility of the residence. No court documents were filed against me for the residence, whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per request, XXXX account was closed on XX/XX/XXXX. TransUnion and XXXX account is currently reporting as past due as of XX/XX/XXXX. ( See attachments reflecting both CRA 's reporting incurrent information. ) A closed account can not be reported as past due, delinquent or late. This inaccurate information is causing harm to my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

XXXX posted on XXXX way to make extra money XX/XX/2023 pay {$100.00} get {$1500.00} with bitcoin. Then was told to release funds need to pay {$300.00} more paid that. Received email from XXXX XXXX XXXX stating upgraded and needed to pay {$520.00} to get amount paid the {$520.00} and was told by XXXX to release to cash app my now new amount {$24000.00} i need to pay {$1200.00} paid the {$1200.00} XX/XX/2023 and was then told I need to pay {$2500.00} more. Did not pay got worried and now they are holding my funds totaling {$25000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX  incorrectly reported a late payment for XX/XX/year>, despite my account being in good standing. A different department within the bank submitted this inaccurate information, and I am requesting that it be removed from my credit report. 

Citi bank incorrectly reporting inaccurate information. I am requesting that it be removed XXXX is incorrectly reporting inaccurate information. I am requesting that it be removed
Product: Credit reporting or other personal consumer reports

So I called XXXX through the US DEPT OF EDUCATION & was told that they dont remove things from credit reports but they still somehow falsely report to them though. Im a 100 % XXXX vet & I got my XXXX  loans paid off in XXXX of this year. On credit apps & other credit reporting websites, its still showing as a balance, which it shouldnt. Not only should it not show that information, but the loan borrowing dates are incorrect & these loans are over 7 years, so they should also be off of my account for that reason as well.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 I applied for a line of credit with Headway Capital from on online advertisement. I was in need of help to keep my business going and they offered a quick response. No where in any conversation was the high interest discussed. This was a quick solution to our need. I have been maintaining making payments but it is getting increasingly hard to do so. After reviewing the line of credit with my financial advisor we discovered that the interest rate is 62.6 %!!! This is exorbitant and predatory lending! I have been advised from my business mentor to contact you to submit a complaint. I tried to get help to consolidate the debt at a lower interest rate but they said they could not work with this company. What kind of company is this that they are able to charge that kind of interest rate?!
Product: Debt collection

On XX/XX/2020 I received a phone call from XXXX XXXX informing me that documents were going to be filed against me in XXXX County, XXXX CA. Within a week I then received a phone call from a company called Central Portfolio Control and also informed the gentleman that I would not confirm any of my private information. I then received " An Offer to Resolve '' letter from the same company stating that I owed {$630.00} but if I was going to pay immediately I only owed {$440.00}. I responded to this company stating I did not have any type of loans or credit cards with the two companies referenced, XXXX XXXX XXXX, XXXX or XXXX XXXX. I then contacted our local Sheriff 's Department and was advised to request a copy of my Credit Report and to file a complaint with the Federal Trade Commission. After receiving my Credit Report, I noticed the three companies referenced above were on my report. I filed a dispute to XXXX  stating I did not have anything to do with these XXXX companies. I then sent information to the Sheriff 's Office so they could file a Police Report. On XX/XX/2020 I received information back from XXXX  stating that XXXX XXXX  was going to be removed from my Credit Report however, XXXX XXXX  and XXXX XXXX XXXX XXXX were still requiring payment in full. On XX/XX/2020 I received another letter from Central Portfolio Control stating they had received my initial letter and they provided proof of the charges made on a Credit Card from XXXX. All of the charges are from businesses in and around the XXXX, CA area. In addition my name and an address of XXXX XXXX XXXX XXXX, XXXX CA XXXX was referenced on the statement. I did not nor currently live at this address. I have never made any charges on a XXXX XXXX to the businesses referenced on the statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair Credit Reporting act XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a request for the credit bureaus to investigate errors on my credit report back on XX/XX/XXXX. As of today, they have not responded yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I hope the following items will be corrected ASAP. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

On XX/XX/2023, I purchased a salad at XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, GA. This salad made me ill. I complained to XXXX about it and they did nothing other than send me a Dear XXXX email and have the manager call up to say " it's only you '' and hang up. Then I disputed it with Discover. All of a sudden, they don't cover bad food. The sorry piece of XXXX that answered the phone named XXXX even said it's my fault for eating the food. The problem is food illnesses are not instantaneous. It took hours. What was I supposed to do, take them my XXXX and then request a refund? XXXX refuses to do the right thing and refund my money, Discover is now trying to hide and say they don't cover food purchases but that is not in the cardmember agreement. They have actually covered it before. I do not see what the problem is all of a sudden.
Product: Credit reporting or other personal consumer reports

XX/XX/year> To Whom It May Concern : I am writing to dispute obtained personal information appearing on my credit report maintained by your bureau. I have reviewed my credit report and found there are several inaccurate data points within my personal identification which you are reporting. 

Below is the personal information that needs to be reviewed and potentially removed or corrected from my credit report : My only name is : XXXX XXXX *Please delete any other name/s you are reporting that does not match. 

My only address is : XXXX XXXX XXXX XXXX XXXX, In XXXX *Please delete the following addresses you are reporting that does not match nor belong to me : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Ga, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In XXXX XXXX XXXX XXXX Ct XXXX XXXX XXXX Ga XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX Ga XXXX XXXXXXXX XXXX XXXXXXXX XXXX Ga XXXX *I do not wish for my telephone number to be listed. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above and promptly remove or correct any inaccurate information from my credit report. 
Enclosed with this letter are documents that verify my correct personal information, including supporting documentation. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I would also like to request that you please send notices of corrections to anyone who received my credit report in the past XXXX  months. 

Please correct this information as soon as possible and send me an updated copy of my report to the above address. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX I as the consumer have attempted to contact this company multiple times to seek remedy & it is now believed that this company is operating under the COLOR OF LAW. Under the Fair Credit Reporting Act, I the federally protected consumer wish to exercise my right to opt out of the disclosure this nonpublic information from my consumer credit report as i may have given written, unwritten, verbal and non verbal consent per 15 USC 6802 ( B ). I the consumer was never provided a method to opt out of the disclosure of my nonpublic information to this nonaffiliated third party per 16 CFR Part 313. I under the Privacy Act Of 1974 have the right to be protected against unwarranted invasion of my privacy from the collection, maintenance, use and disclosure of my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still has yet to remove former names in which I do not go by XXXX XXXX, XXXX XXXX. As well as a previous address I am not sure where this address as come from but it is not the address on my drivers license or on my current Bill my account is already being affected by information that is incorrect and is damaging my profile and do not need any other mistakes such as this. Please remove any information not consistent with me. The address is Previous Addresses XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NJ XXXX XX/XX/XXXX XXXX XXXX Ct, XXXX XXXX NJ XXXX XX/XX/XXXX
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 Date Opened : XX/XX/2019 Balance : {$2700.00}