23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I was in XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and I have a total of nine student loans : two Stafford loans and a Plus loan from XX/XX/XXXX-XX/XX/XXXX, and six Direct loans from XX/XX/XXXX-XX/XX/XXXX. I am on a Pay as You Earn plan, and all of the loans are serviced by Pennsylvania Higher Education Assistance Agency ( PHEAA ). Every year, I have re-submitted my IDR request on time to re-certify my income for the purpose of determining my student loan payment. <P/>This year, when I timely submitted my request for income-driven repayment ( XX/XX/XXXXIDRrequestreceived ), either the Department of Education or PHEAA failed to apply it to all of my loans, applying it only to my XX/XX/XXXX-XX/XX/XXXX loans and not y XX/XX/XXXX-XX/XX/XXXX loans. ( See attached documents -- XX/XX/XXXX for the loans PHEAA correctly applied the request to and XX/XX/XXXX for loans it failed to apply the request to. ) As a result of this oversight, my student loan payment has gone up to over {$1000.00} because my new income information was applied to all of the loans. I have tried to make approximately the loan payments I would owe had my account been handled correctly. However, PHEAA has on some occasions applied my payment partially across all loans, causing all of them to incur late payments ( see XX/XX/XXXX ). Every month, I try to pay what I should owe and every month I receive a notice that there is a delinquency on my student loans ( see XX/XX/XXXX ). It appears that in XXXX PHEAA applied the IDR request to my XX/XX/XXXX-XX/XX/XXXX loans ( see XX/XX/XXXX ), but the delinquent balance remains. <P/>I have contacted PHEAA twice to request that the agency properly calculate my student loan balance, remove the portion of the balance in default, and mark my account as current. The first time, the customer service rep suggested that I put my loans in forbearance -- I of course declined because this would have capitalized the outstanding interest on my student loans. Both reps said they would take care of the situation, but every month, I keep getting late payment notices ( see XX/XX/XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Im sending this Complaint to inform you that I was the victim of identity theft. Per Fair CreditReporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which wereopened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumerthat the information is not information relating to any transaction by the consumer. Theitems listed below were not mine : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$19000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX : {$16000.00} XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XX/XX/2022 ; XXXX ; XXXX XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion have not provided up to date credit reports OR scores for me since XX/XX/2023. 

The last known score received was from XX/XX/2023. 

They say they are to update reports and scores every 30 days ... .it has been almost 60 days with no update. 

They are also INTENTIONALLY withholding information that will IMPROVE my XXXX XXXX. They state I can have more info if I pay for their credit monitoring or boosting " products '' or a price ( anywhere from {$29.00} to $ XXXX ) They are also INTENTIONALLY keeping my credit scores low, and reporting DIFFERENT SCORES to creditors than they report to me directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent at least XXXX or more certified letters to Experian begging them to correct my personal identifying information which includes multiple fictional addresses, alias names and cell numbers I can not access. I also provided police reports and restraining orders to show I have a stalker who is doing this and this information is still incorrect and the stalker is being catered to
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft! Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

This is an investigation that includes additional supporting documentation. I also have an attorney looking into this matter, and will be providing additional supporting documentation requesting that these items be removed from my credit reports in four business days. I have had a data breach issue and XXXX, all legal documents and proof of sworn affidavits have been given to Experian and they have failed to comply with removal of all items within the four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this Authorizer user account with XXXX  XXXX and XXXX MACYS XXXX multiple times. I already sent letters directly to XXXX XXXX MACYS XXXX, XXXX  , and XXXX requesting removal from this derogatory account. I already sent a total of 5 letters just for this request. I am not responsible for this account but it continues to give a negative impact on my credit score. I did all my resources to fix this issue with them. But the only response that I received reporting this account as valid in my credit report. 

I am not responsible for this debt. Please remove me as an Authorized User and delete this from my credit report. Filling a complaint would be my last option for making sure that XXXX XXXX XXXX  would do my request. 

1. XXXX  XXXX XXXX  XXXX MACYS XXXX
Product: Credit reporting or other personal consumer reports

I have contacted Equifax several times about my personal information to correct my address which I have actually talked to a live person who assured me the address was corrected and old addresses were removed and they are not correct or removed, also I asked for my employment info to be removed as have not worked at those companies for over 6 years. 

the address the have listed XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX the correct address should be XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX these addresses should be removed XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, MN XXXX I am no longer employed at these companies XXXX XXXX
Product: Money transfer, virtual currency, or money service

- On XXXX of XX/XX/year> I made an international money transfer from my XXXX XXXX XXXX to my saving account in HSBC US. 
- According to XXXX XXXX  transaction confirmation document, the transfer had been completed the same day. 
- As the money did not arrive to my HSBC US account five days after the XXXX, I started a chat with both banks. 
- XXXX XXXX  provided the confirmation document and also a GPI tracker document that stated the HSBC had received and was holding the money. 
- I started a Chat with HSBC with the result that the agents did not have access to incoming money transfer information and also were unable to provide an accountable person email to sort out the issue, instead they provided a phone number that was not effective. 
- On XXXX of XXXX I contacted by email with the US HSBC PREMIER TEAM, they assigned the case to a person to sort out the issue, I forwarded to them the confirmation document attached to this report, I am still waiting for an answer. 
- Finally I call a phone number on HSBC, they open a case a gave a reference number and in the process, the money transfer finally reached my saving account on the XXXX of XX/XX/year> XXXX
Product: Credit reporting

Equifax stated that they could not provide me with an online credit report because of their system having problems. The other XXXX credit reporting agencies ( XXXX and XXXX ) had no problem providing me with their versions of my credit report history. I would think that a company as large as Equifax could keep their computer reporting system available at all times instead of just putting me off and saying that they just ca n't provide that information during my official request. I need this information NOW so that I may clear up any inconsistencies and correct any errors. I would like to file a formal complaint.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$45000.00} XX/XX/
Product: Credit reporting or other personal consumer reports

I recently was offered a XXXX XXXXXXXX XXXX  with XXXX in XXXX, Colorado. During my background screening it was brought to my attention that 3 older credit debt items included in a XXXX  XXXX bankruptcy I filed, has been relisted under a credit collecting company and were showing as current new debts, instead of showing included in XXXX  XXXX, with the original credit name, dates and amounts. 

The compliance department for HR for XXXX XXXX  requested details on these items, and this could potentially keep me from gainful employment. I am wishing to file this formal complaint and it is my request that all 3 credit companies remove those relisted old debt items that were included in my previous XXXX  XXXX filing, now showing as new debts in collection for XXXX, be removed immediately! 

Those companies are as follows. 

XXXX. XXXX XXXX XXXX- {$2300.00}, showing as a current charge off. 
XXXX. Veros Credit- {$6700.00}, showing as a current charge off. 
XXXX. XXXX XXXX XXXX XXXX- {$3400.00}, showing as a current collection item. 

I need this investigation to rectify this matter as soon as possible. I will use this complaint as proof of dispute as well.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and request that all accounts associated with my information be blocked and deleted pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to Experian on XX/XX/XXXX and uploaded documents to support my dispute, On XX/XX/XXXX central time, XXXX minutes after my dispute, I looked at my report and it said Dispute Updated ..... THEY DID NOT INVESTIGATE MY DISPUTE .... according to the Fair Credit Reporting Act, that is breaking the law.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : BXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of my Auto Loan account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my Auto Loan have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion a for y experience the worst companies on XXXX. I was the founder and CEO of two companies myself and they will have been bankrupt if they were not in a XXXX  business blackmailing customers with wrong information. 
You wait HOURS on the phone to get someone and they provide no JUSTIFICATION..nothing ..
Product: Credit reporting, credit repair services, or other personal consumer reports

it has come to my attention that equifax is refusing to remove false and misleading item from my consumer report. it has been months and they still refuse to remove these negative items from my consumer report. i have read the article that they are giving consumers low credit score which is true my score is not accurate and should be higher i have sent them proof that these items are not mine for months and still refuse to remove them. Pursuant to their data sharing policy under consent they admitted that they get my consent without me even knowing when it must be made clear that they are i am requesting that they send me a copy of this consent for it is raising my concern. The XXXX XXXX must be removed from my consumer report it was told from the collection company that it is to be deleted the inquires stated in the ftc report are not mines i never gave them consent nor authorized the inquires they are not factual and must be removed but when i resubmitted the report you tell me that they are not removing them at this time remove them immediately and XXXX account is a consumer Credit card transaction and is excluded from a consumer nor was i late remove immediately. you are civilly liable for refusing to remove these negative items. This is not a error
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Experian 15 U.S.C 1681 section 602 A. States I have the rights 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 reports 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: Mortgage

TD BANK N.A. is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( TD BANK N.A. XXXX )
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX {$16000.00} Account number XXXX Account name XXXX XXXX XXXX XXXX XXXX {$14000.00} reflecting 2 different numbers on different bureaus Account number XXXX Account name XXXX XXXX XXXX XXXX {$1800.00} Account number XXXX Account name XXXX XXXX XXXX XXXX {$3900.00} Account number XXXX Account name XXXX XXXX XXXX {$460.00} Account number XXXX Account name XXXX XXXX  XXXX XXXX {$15000.00} Account number XXXX Account name XXXX XXXX XXXX XXXX {$620.00} Account number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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 informa
tion 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, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Inquiries that are being challenged 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

It has come to my attention that XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making Car vision Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that XXXX XXXX takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system