23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have a private student loan with ACS 9 % interest rate since 2007 I pay XXXX a month and the payments only go towards interest which I cant even afford but I cant destroy my credit at this point in my life. I was on a reduced payment plan for years paying XXXX which ballooned my loan and now I owe XXXX which is more than I even borrowed. ACS no longer allows reduced payment plans because of the ballooning issue is caused so now I have no other option besides pay the XXXX to maintain good credit and XXXX come off the principle balance. 
There needs to be a way for people to pay their loans back in an affordable fashion without it causing more financial hardship in the long run. These private student loan companies need more regulation on what can and cant be done to borrowers. re financing is very difficult for private loans because the other options available are not much better- they offer less years on the loans causing the monthly payment to only increase which is not doable. I have paid XXXX toward this loan since 2007 and none of that has come off the principle which I find to be very illegal.
Product: Student loan

This is my son loans, after he graduated, he has been unsuccessful with getting a job, this school didn't help with finding one, a lot of employment do not except this school. He got his XXXX XXXX XXXX. 
The loan is in my name and I am struggling to pay it, this is my son loan but in my name, I would like to find out how I can remove my name and add his. 
That school was a joke, he put a lot of time, effort and bills to keep in XXXX, for a year, it's been almost 2 years now and still has nothing to show what he went for. 
Please help get me with this. 
XXXX XXXX My son name is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to investigate the inconsistencies I pointed out to them within 30 days ( section 611 ). These are a violation of my FCRA rights ( section 623 ). There is no way possible to say Experian verified an account while it is still reporting inconsistently. I exercised my FCRA rights under section 611 and requested a method of verification of their reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFNI Inc has 3 accounts listed that do not belong to me. Only one has a balance owed. Enclosed is 3 attachments of the erroneous accounts. And a copy of my complaints I sent to AFNI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are two unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible please. I have already taken action to prevent anyone else to try and open anything under my social security number.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Student loan

Good morning, My School XXXX is now closed due to a federal investagation. While Attending, they made me take out " Private '' and " Federal '' loans in order to complete their program. I am currently repaying back the private loans at this time and they are current and not in default. Will I be able to get my private loans discharged in this matter please help?
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.
Product: Debt collection

Man called both my brother and father claiming to be from a real estate agency demanding to speak to me. Caller demanded I call back XXXX. I then received a call and voicemail from this same number stating to return his call with no reason for returning the call or why he is calling. They are threatening me about documents sent to my home which I never received. I am being threatened with legal action. They are rude and I did not give them permission to call any family and/or friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have dispute the accuracy of an account with American Express under Section 609 FCRA which requires specific records to be produced by American Express as stated in Section 609 FCRA requiring American Express to produce copies of written contracts or agreements, copies of my identifying documents submitted to obtain an account with American Express. As previously stated in my attached letters, this is an identity theft claim since I did not open an account with American Express at any point. I am also attaching an article from XXXX XXXX pertaining to a lawsuit filed by The Federal Trade Commission against XXXX  for engaging in the very same misconduct that American Express is currently engaging in. I reassert my complaint and notice of dispute under Section 609 FCRA for American Express to provide copies of written contracts and or agreements under Section 609 FCRA, in addition to providing the identifying documents used to open the account with American Express under Section 609 FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX, and they said their system automatically put me on paperless billing, which I did not request. I was awaiting a letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX  only reporting me 30 days late in XX/XX/2018. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

I went to XXXX XXXX XXXXXXXX to purchase a vehicle. Going through the financial process with XXXX ( XXXX XXXX XXXX ). I informed them that I had obtained financing from another institution but if you could come in at a lower rate I would do business with XXXX ( XXXX XXXX XXXX ). 
XXXX was having problems with there financial group. 
I found that XXXX had done other inquiries. XXXX was to XXXX XXXX and the other was to XXXX XXXX XXXX. They didn't have my approval! 
This means that there were XXXX HARD INQUIRIES on my credit report. 
This action was like 'I ' gave them permission. NOT GIVEN. 

XXXX INQUIRY. YES ( XXXX XXXX ) THE OTHER XXXX. NO. 

CREDIT SCORE DOWN XXXX POINTS FRAUDULENT ACTIONS want them removed.
Product: Credit reporting or other personal consumer reports

I am deeply concerned about the negative impact that fraudulent accounts are having on my credit history. I have noticed a significant decrease in my credit score due to these unauthorized activities, which is adversely affecting various aspects of my financial life. These fraudulent accounts not only limit my ability to obtain new credit but also increase the interest rates I must pay on existing and future loans. This situation is jeopardizing my financial stability and my ability to manage my finances effectively. I am actively working to resolve these issues and would seek understanding and support from creditors and credit agencies to rectify my situation and restore my credit rating. I appreciate any advice or assistance that can be provided to help me navigate this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private student loan with   XXXX   ( original creditor ) that is listed on my credit report as a charge off in the amount of {$21000.00}. Every month it shows up that I have missed a payment on my student loan to  XXXX .   About 2 years ago this loan was sold  ( ? ) to  XXXX  who now services my loan. I came to an agreement with FAMS that I would make payments of {$120.00} every month until the loan was paid in full. This amount is taken out of my checking account every month and I have never missed or been late on a payment for 24 months.   I have contacted FAMS and   XXXX   and explained that since I am making payments to FAMS, who is servicing the loan for  XXXX , I do not believe it should be reported that I am missing a payment every month to   XXXX  .    XXXX  wrote me back and told me that they can still report every month that the debt is charged off and that I have missed a payment.   Is this correct - seems strange that the loan owner can report a missing payment when I am making monthly ontime payments to their servicer.   Thank you  XXXX   XXXX
Product: Bank account or service

Got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. I was told that Citizens Bank Out Reached to them to make a collection attempt. I called back and they told me that I could settle with a payment of $ XXXX- {$120.00} right then and there so i could open another account with another bank which I thought was weird. Then I tried to call back and no one would answer and I tried three times. He said that he would be there til XXXX, which it says that they are open til XXXX EST. I really do n't want to be scammed so i thought that i would email someone for help.
Product: Credit reporting or other personal consumer reports

I had XXXX Inquiries on my report that is not mine. I contacted XXXX and explained to them what's going on and they deleted them. I'm asking that Transunion and XXXX delete these XXXX Inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to inform you again that I was a victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.
Product: Debt collection

I have checked ALL XXXX of my credit bureaus and this debt they company is trying to collect on is NO LONGER ON MY BUREAUS!!! This is illegal and it can not be collected on anymore. I need the company to cease and desist all lettets and phone calls now.
Product: Mortgage

I refinanced my mortgage ( with XXXX XXXX XXXXXXXX ) and HELOC ( joint with my husband XXXX XXXX with USAA into a new loan ( just in my name ) with XXXX XXXX XXXX. The disbursement on the funds for both payoffs were sent on XX/XX/XXXX after the recessionary period. XXXX XXXX XXXXXXXX paid off the first mortgage immediately. USAA signed for the payoff check on XX/XX/XXXX but it still open with the balance as of today, XX/XX/XXXX, and has not been paid off. The HELOC department told me that they had received the check in the Mailroom but they can not locate the check. They told the attorneys office as well that they would have to look for the check. In the meantime they are reporting my account as past due on my credit. We have never been late on our HELOC or any mortgage for that matter. 
Our HELOC matured in XXXX. We have tried to work with USAA since XXXX to get it renewed or rolled over for payments and they had us fill out papers to get this done. Then in XXXX they said we could not qualify to have it redone so I had to look for a way to consolidate the first and second mortgage and got this accomplished and completed in XXXX. But now they have told me today it would take 3 weeks to locate the check.
Product: Credit reporting or other personal consumer reports

This is not my account. This either belongs to someone with similar name or is a fraudulent account altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus ( " DATE OF PREVIOUS LETTER '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Credit card or prepaid card

I was supposed to be refunded secure credit card balance in XX/XX/2020 due to they didn't get to my Taxes statement sent before expiration date. I was told they will refund the remainder of my balance to my previous address in XXXX, pa. In XX/XX/2020 I called to check status and let them know we received no check and we were moving. I updated my address and supposedly Discover Credit card told me the check was sent but never received. XXXX more times this happened in which agreement was struck with Discover credit card and myself that I will be issued an expedited service and an electronic transfer in the sum of the remainder of balance of {$480.00} I was due to receive it by XXXX of XXXX in which again nothing. I'm rudeuced to recording our phone calls because no one at the company are making appropriate notes, following their own policy of 2 cycle and ten day return, and at this point the whole situation is getting utterly rediculous with conversations began to get aggressive and threatening with them. Phone calls are recorded from both parties both them and me and I need your help. I'm followed procedure with both you and the attorney general to have this matter investigated because I have no help in this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 60 days past due on the XXXX partial account number XXXX. This account reports a {$0.00} balance and {$0.00} past due. ( Please see pages 2 and 3 of the attached credit report. ) This incorrect coding is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Act my rights have been violated please resolve this many times They are violating my rights!!

15.U.S.C 1681s-2 ( A ) a person shall not funish any information relating to a consumer to any consumer reporting agency if a person knows or reasonable cause to believe information is inaccurate 15.U.S.C 1681 section602a=right to privacy 15.U.S.C 1681 section604a section2= can not funish my account without my written permission 15.U.S.C 1681c ( a ) ( 5 ) LIST OF HARD INQUIRIES AND ACCOUNTS : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, a 30days past due was reported on my credit report via XXXX credit card. 
During this time i had contacted XXXX and tried to fix the problem with them. I tried to explain that my XXXX card had not been active for a few years and i simply forgot that i had used it for a purchase. I asked to make the payment in full and for it to be forgiven from my credit report. 
I have had this card since XX/XX/XXXX and my payments are always on time except for this one incident. 
My past due was still reported ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on several occasions to get XXXX and Equifax to correct my birthdate, but it still hasn't been corrected! XXXX I'd reporting it correctly. My birthday is XX/XX/XXXX 

Also. XXXX XXXX continues to report my account as a charge off and past due 120 days, but it has been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries on my report I did not authorized. 
XXXX. XXXX  XXXX XXXX. XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I was involved in an imposter scam where money was sent through XXXX. A scammer spoofed the phone number from our local police department and claimed my lost cat was involved in a vehicle accident and taken to the local shelter. The scammer then connected me to another scammer that spoofed the phone number of the local shelter claiming the cat needed immediate XXXX XXXX XXXXXXXX and it required the payment of {$1500.00} through XXXX. I paid the money through XXXX. I traveled to the shelter the next day to check up on the cat and the XXXX. The shelter had no records of the cat or a XXXX. I called the police department and they also had no records of a vehicle accident involving my cat. The entire situation was made up by the scammer to get my money. Both my bank ( Navy Federal Credit Union ) and XXXX have not made any reasonable attempt to reverse this transfer or give reimbursement. I believe both the bank and XXXX are responsible for not implementing appropriate measures to recall money, freeze accounts, delay withdrawals of transferred funds, and prevent scammers from utilizing XXXX. I also believe the intent of XXXX is not to make transfers convenient for consumers. It is a tool for banks to avoid the liability of reimbursing imposter scams and fraud. The XXXX XXXX says you should only send money to people you trust. How can the community be expected to question calls from our own local police departments ( from the actual spoofed phone numbers of the police departments )? The police are supposed to be trusted entities. Both Navy Federal and XXXX are failing to protect victims of imposter scams and only have created a haven for scam crimes through this money transfer application.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX. # Account XXXX XXXX XXXXXXXX Account # 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 a account with written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent account that has been reported on my credit report. 
Upon reviewing my credit report, I have identified the following account which I did not open and have no knowledge of.