23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I took out a student loan XX/XX/2009, I was XXXX and my parents were not able to support me economically I lived in XXXX before moving to the US and the college I attended is located in XXXX XXXX XXXX, XXXX. The name of the institution was XXXX XXXX University and has been acquired recently by XXXX University. 

I feel it was and still is a predatory practice this institution is using, since it is targeting young XXXX students without evaluating if these kids can repay their debts. I was called by their recruiters several times until they convinced my father to take me there. I was not ready, and my father had no option, he had just lost his job. When I got there, classes had already started, and the recruiters did not care, they just wanted me to enroll even though I had missed some classes on my XXXX of college. I was not explained about the terms, interest rates, how much I was going to loan out or how much was a grant and how much was a loan. I would have preferred to come to the US in the first place, study in a community college and try hard to get a scholarship or even study in a state university in which I could save thousands of dollars. I am now stuck with $ XXXX in debt ( which is much higher than the average student debt ) and no college degree. 

What I feel is that these people are making money out of uninformed young kids so I strongly encourage you to start an investigation towards them because I know I am not the only one affected by this. I know there is a lot of people that studied there and they can not repay their debt. It is just unfair, I now work on the mortgage business and I know how important It is to inform consumers about the product they are applying for. 

As I mentioned before, I was just XXXX years old ; do you really think a XXXX year old kid can make a $ XXXX decision? I will not let my kids do that, that is for sure! It should be more regulated, I know people need education but if you can not afford it you should consider other options or opt for scholarships but do not stuck kids with lifelong debts, it is not fair. 

Any type of solution for this matter would be much appreciated. Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone : XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Address Update Request for My Credit Report Dear Sir/Madam, I am writing to formally request an update to the address on file for my credit report. Please find the relevant details below : Full Name : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Social Security Number ( last XXXX digits ) : XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, TX XXXX New Address : XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX To assist with the verification of my new address, I have attached copies of the following documents : Social Security Card Drivers License Utility Bill I kindly request that you update my credit file with the new address provided above. Please let me know if any further information or documentation is required to complete this update. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit hard inquiry done on my name, not even my social security number, done on XX/XX/20. I tried getting deletion of account from sync/tjx XXXX XXXX. TjMaxx credit card. I did not apply for credit, yet i was penalized and since have not been able to delete from my credit reports. Both XXXX  and Synchronchy bank  have not corrected problem. I file a fraud case with FTC and when I sent that to XXXX, they received report, but when they uploaded it to their system, it was not legible to fraud department. They ordeal has caused me financial hardship and i am thoroughly disgusted at that fact that nobody cares what happens to me, because of peoples errors against me. I have since sent my copy of FTC report to Transunion and hoping they will correct report and delete synch/tjx XXXX credit inquiry from refit bureaus.
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate and Inconsistent Reporting for Discover Student Loan Account Complaint Description : I am disputing the inaccurate and inconsistent reporting of my Discover Student Loan account on my credit report. Discover informed me in writing that they reduced the balance to {$0.00} and updated the account status to Paid in Full as part of their exit from the student loan business. They also stated they would notify the consumer reporting agencies. Despite this : 1. My credit report still lists repeated charge-offs from XX/XX/XXXX to XX/XX/XXXX, even though the debt was canceled, and I am set to receive a 1099-C for the forgiven balance.

2. The account is not marked as Paid in Full as Discover promised, which violates the terms communicated in their letter.

3. The derogatory marks are causing undue harm to my credit score, as the debt has been forgiven and the balance is {$0.00}.

This reporting contradicts the information provided by Discover and violates the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and complete information is reported.
Product: Debt collection

I keep seeing a collection debt in my credit, but never received written notice of owing a certain amount.  I want this removed from my credit
Product: Money transfer, virtual currency, or money service

Hello and a good day to you and thank you for your time. 
On XX/XX/XXXX. i sent Coinbase a crypto currency wallet/app. {$2500.00} to open an account, did so with no problem, i personally wired them that amount, minus {$45.00} for the wire fee for the purchase of a crypto coin, on the XXXX. of XXXX the next day, Coinbase fraudulenty withdrew from the same account i used to send them the monies and exact {$2500.00}, for this was done without my knowledge, and with no consent for them to do so.The minute i found that out i sold what i had just bought at a loss of {$400.00}, just impossible to deal with, there app. is constantly down, customer service is just and endless loop of getting nothing done, asking the same questions over and over and not doing anything about it, extremely, extremely frustrating.My bank went in and was able to recover the second non authorized charge on the XXXX. of XXXX, other then that these people are non-existing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan is paid in full but showing closed wrote off as bad debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information on my credit report. I have stated numerous of times via phone and mail that all phone numbers and addresses listed are removed. They continue to furnish this incorrect information without notifying me. 

I know under FCRA it is their duty to report accurate information and Experian continuously refuses to do so.
Product: Credit reporting or other personal consumer reports

I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXXXXXX 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 been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts and inquiries do not belong to me. Please remove them ASAP per the the requirements of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following inquiries as as well- 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

I applied for a credit card from XXXX XXXX on XXXX/XXXX/XXXX. Experian gave them my credit score of XXXX ; which made the APR 24.99 %. I always check my credit scores at the end of every month. TransUnion ( XXXX excellent ) & XXXX ( XXXX Good ). I 'm unable to check Experian 's because they charge a fee ; however I can check it on my credit card statement. I want to know why there is a 70 difference between the three credit report agencies. 

I have worked hard to build and maintain good credit worthiness ; and a credit reporting agency can destroy it by reporting negative information. On XXXX/XXXX/XXXX, I contacted XXXX XXXX and they directed me to Experian. Contacted Experian and was told that they would send me a copy of my credit report. I went on line and got my report and there was nothing on it to give me a LOW SCORE. 

Someone needs to investigate why credit bureaus can do or say whatever they want to about a person that can destroy their credit worthiness. 

PLEASE SEE ATTACHED DOCUMENTS. I will be mailing a hard copy of my dispute/complaint to Experian, XXXX XXXX XXXX XXXX, XXXX, TX XXXX - per the internet.
Product: Credit reporting or other personal consumer reports

Identity money laundering forgery XXXX XXXX XXXX XXXX state to state loans of all sorts contact Texas FBI XXXX division and XXXX XXXX police department XXXX XXXX sheriff 's office look for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx and other people as well.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) 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 ) 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: Debt collection

I have been trying to resolve this issue with affirm for so long. I noticed the delinquent account when I was viewing my credit and saw that it was from a company that I did not recognize. I then reached out to them and was told that the back office ( people I was not allowed to directly speak with ) would resolve the issue. I continuously called and was told the same thing. I requested information from them and all they told me was the name of the store where the purchases were made. Also on the original account was an address I have never been associated with either.The purchases came from a store that I have never even shopped at. I tried to resolve the issue with them numerous times and they have never resolved the issue. Then I get served by Jefferson Capital to appear in court. They had given it to a debt collections after I had already explained everything to them. I reached out to Jefferson and explained my situation so they sent me to this website. This account/purchases/loan or whatever it is is not mine. I have had my purse stolen in the past which had my CA ID, passport, wallet, and cellphone in it. I'm not sure if this is how someone opened an account or credit card/loan in my name but I would like to get this resolved as soon as I can. Thank you.
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. 

Account Name : XXXX  XXXX, Account # XXXX, Account Name : XXXX, Account # XXXX, Account Name : XXXX XXXXXXXX, 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 card

I have been battling with Bank of America/Credit Protection Plus for years and have had enough. I have been passed from person to person without any hint of a resolution and the ordeal has ruined my credit and been an incredible burden on me. 

While I was in college I racked up my credit card bill close to it 's upper limit of {$8000.00}. Not wanting to carry a balance or gain interest, I paid off the balance of my credit card ( all at once ) with the exception of the $ 1000+ I had been charged in Credit Protection Plus against my permission ( and had asked repeatedly to be removed from ). I tried, and tried and tried to get them to take these charges off, and get them to stop charging me for CPP - both before and after I paid off my card. Even after I paid off my card and talked to many people about my issue, they did not remove me from the CPP program and my bill crept back up as a result of recurring CPP charges and interest/late fees on the initial CPP charges I left open. I asked them to provide me proof that I enrolled in the program and they could not. I do n't remember enrolling in the program and they certainly did not remove me from the program despite many requests. Thier defense was that I was enrolled in the program for quite some time so I could n't just backtrack those charges. As a college student, it took me awhile to initially catch on to the fact that I was being charged for this service as I had never requested it to begin with. I should have been more aware and on top of it but I was a college student who racked up her bill to nearly {$8000.00} so I was n't going through my bill with a fine tooth comb. 

Frustrated from hours of unhelpful phone calls and unwilling to pay for something I did n't sign up for, I pushed it aside. Recently the other members of my family all received large refunds in the CPP class action lawsuit but I was not included in this suit because I refused to pay from the beginning. I did not realized how bad this actually affected me until I applied for a credit card and was rejected. I got a credit report and found that my account had been 'Key Delinquency ' for years because of this dispute. It ruined my credit and made it impossible for me to get a credit card, buy a car or a house. 

I wish this had n't snowballed into what it is now but I spent so much time dealing with so little impact that I essentially gave up on it. I have now read up on it, found this website, am aware of my rights and realize I do n't have to fight this alone with a large corporation. 

I want to these charges to be removed and my credit to be restored so that I can live my life.
Product: Vehicle loan or lease

On XX/XX/XXXX, I began to make multiple payments of {$1300.00} on my loan. It was then that I found out that the XXXX insurance, Service Warranty, and Daily interest rates were unknown to me. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. On XX/XX/XXXX, I made a payment of {$1900.00}, which is another 3 months of payments. I reached out to the company about the daily interest, and the warranty plan, and contacted the dealership when the company called with threatened tactics. I tried to file a complaint with the XXXX XXXX XXXX and could not find any information on the company. When I did research on the company, I found out that the same issues I was experiencing there were others, and a lawsuit was filed. On XX/XX/XXXX, and XX/XX/XXXX, I received several calls, after XXXX XXXX about my missed payments. I explained the multiple XXXX  in my family and asked if the missed payments could be put at the end of the loan. My email response was sent to XXXX XXXX and the calls became harassing and more threatening with ruining my credit, repossession of my car, and the calls began to be back to back all day every day. Today. XX/XX/XXXX, I have tried to refinance my loans with several other banks such as XXXX XXXX, XXXX XXXX, XXXX, and XXXX and I was turned down due to my loan not being 60 months it's actually 84 months, even though my mileage on the vehicle is low to be XXXX, I have so many extra fees attached to the loan that no one will touch it. They can't find reputable information on the lender holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

Receivables management has re-aged old debt thats almost 10 years old on my credit to make it look and seem as if its only first reported on XX/XX/2017. And I have proof that in 2017 there was no way they could have contacted me or known where I was at to inform me of any such bill of XXXX . And I was never contacted or informed by the original creditor as well because of me being underage when it was first reported. Im XXXX and was XXXX when the bill was first made and to young to even pay such a bill. After 7/years now this collection agency has re-reported the same collection to re-age it. Which is a clear and direct violation of my consumer rights.i have hired XXXX XXXX XXXX to dispute these reports-aged collections and we are now in escalation.
Product: Credit reporting or other personal consumer reports

I would like to request the removal of these items from my credit reports, which is the result of a mistaken credit reporting and incorrect credit report information. This items should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of these items that were opened without my permission which were reported erroneously. I am in desperate need of these items to be INSPECTED and REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My husband and I have received repeated calls from HARRIS & HARRIS daily. We usually do not answer, my husband did. When he answered the phone, the debt collector asked to speak with the wrong person ( not my name ). We asked who it was and what the call was about and she said it was regarding a ticket from XXXX  in XXXX XXXX. She stated she was calling from Harris & Harris then asked to confirm address information which was also wrong and outdated. We confirmed the zip code of the address she had on file and the debt collector then read off her disclaimer that this was an attempt to collect a debt and any information used will be obtained for that purpose. We informed her that she was actually in violation of 15 USC 1692b ( Acquisition of Location Information ), in which she was required by law to identify herself, state that she is correcting location information, identify her employer and NOT state that such consumer owes any debt. We also informed her that we had not given written permission for any phone calls which was very inconvenient because she called repeatedly. 

She clearly violated my rights as the consumer and natural person.
Product: Payday loan, title loan, personal loan, or advance loan

I am getting emails texts and phone calls regarding a payday loan application. I did not do a payday loan. 

I have unsubscribed from the companies contacting requesting esign. 

I do not know how or who is applying for these loans in my name. 

No money has been received no signature obtained for a loan