23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am in the Public Service Loan Forgiveness Program and my loans are held at FedLoan Servicing, and this year they improperly reevaluated my payment plan two months early. I received notice for my annual plan reevaluation and promptly submitted my information. The confirmation email that I received included a statement saying, " If you are submitting your request for your annual recertification early, we will process your request once you are toward the end of your 12-month payment period. '' However, FedLoan Servicing reevaluated my plan 2 months early, and increased my payments 2 months early ( in XXXX instead of XXXX ). I have called them three times, and each representative has confirmed that it was indeed processed earlier than it should have been. I am now told that there is nothing they can do to change the evaluation time. This means that I will have my plan reevaluated two months earlier than it initially should have been every year. 

While they are attempting to override my XXXX and XXXX payment to only require the lower amount, I have already made my XXXX payment at the higher amount, since it was due. In addition, now the annual recertification will always be due two months earlier than it should be due. Moreover, what is to prevent this from happening again next year and every subsequent year? This needs to be rectified and the timeline needs to be accurately set. I am told there is no way to do that. 

Please also know that they have also failed to follow-up with me on my requests, and it has required my persistence to call FedLoan Servicing to have answers.
Product: Credit card

I was charged a late payment fee on my credit card statement, but my payment was not late.
Product: Credit reporting or other personal consumer reports

Unauthorized and fraudulent credit inquiries have appeared on my credit report, and I am filing a formal complaint to address this issue. These inquiries were not authorized by me, and I have not applied for credit with the companies listed. The presence of these inquiries is damaging my credit score and creating unnecessary risk for identity theft. This issue is causing me undue stress and impacting my financial standing.
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 deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account US DEPT ED Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Validate Account US DEPT ED Account Number : XXXX As a consumer by law this account must be deleted immediately 7. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen. 

The documents that they alleged I received, I did not. They didn't just make the funds from my deposit unavailable, they also made other funds that had already been approved and available unavailable in addition to freezing me out of my account completely. When making the deposit, nowhere on the deposit page did it make it known when my deposit would be available as required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 To : XXXX, Experian and XXXX, Notice to all, I am that I am, the consumer in fact, natural person, original creditor, XXXX, Executor XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, consumer, and I have been appointed and accepted being executor both public and private for all matters proceeding, and I hereby claim that I will be d/b/a Consumer, XXXX and autograph as the agent XXXX attorney in fact, so be it : whereas, I of age, majority, give this herein notice to all, I make a solemn oath to the one and only most high of the creation only, whoever that may be, and I depose the following facts, so be it, now present : In accordance with the Fair Credit Reporting Act the following accounts have violated my federally protected consumer privacy and confidentiality laws under 15 USC 1681. 
Accounts : BANK XXXX XXXX ACCT XXXX # XXXX, XXXX  XXXX  XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX  ACCT # XXXX, XXXX XXXX XXXX  AZ XXXX ID NUMB # XXXX, 15 USC 1681 ( a ) ( 4 ) states I have the right to privacy.

15 USC 1681 ( b ) states that reasonable procedures to be fair and equitable to the consumer, with regards to the confidentiality and proper use.

15 USC 1681b ( a ) ( 2 ) states that a consumer reporting agency can not furnish any information on an account without written instruction of the consumer to whom it relates.

15 USC 1681c ( a ) ( 5 ) states that 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 7 years.

15 USC 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681n ( a ) ( b ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

REMOVE ALL ACCOUNTS INSTRUCTED BY ME AND SEND ME COMPENSATION FOR EACH FEDERAL VIOLATION PERSUANT TO THE FAIR CREDIT REPORTING ACT.

THIS IS MY WRIITEN INSTRUCTION AND MY REQUEST TO PRIVACY AND CONFIDENTIALITY UNDER MY FEDERAL PROTECTED RIGHTS. 
I have requested these be removed and deleted several times now next notice will be an intent to sue. 
RESPECTFULLY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting this formal request for the immediate removal of inaccurate and misleading information regarding my student loan account ( Account Number : XXXX ), which was transferred from XXXX. The errors on my account violate the Family Educational Rights and Privacy Act ( FERPA ), the Fair Credit Reporting Act ( FCRA ), and the Higher Education Act ( HEA ) and must be removed immediately. FALSE LATE PAYMENT ( XX/XX/2022 ) My loan was deferred with XXXX my payments were not due until XX/XX/2032. 
Despite this, my credit report reflects a 90-day late payment in XX/XX/2022. 
This is a clear violation of FCRA ( 15 U.S.C. 1681s-2 ( a ) ), which prohibits reporting false information. I demand the immediate removal of this inaccurate delinquency from all credit bureaus. My original loan balance was {$1300.00}, yet my credit report reflects a balance of {$2000.00} with no valid explanation. Under HEA ( 20 U.S.C. 1082 ), you are legally required to provide a clear and accurate breakdown of loan balances.

3. REMOVE OR CORRECT STATUS REPORTING ERRORS My account is listed as 0 % paid off while still showing a balance, which is misleading and harmful to my credit profile.

I demand an immediate removal my rights were violate. FERPA ( 20 U.S.C. 1232g ) Requires servicers to properly notify borrowers of loan transfers and protect student data. I was never notified that my loan was transferred.

FCRA ( 15 U.S.C. 1681s-2 ( a ) ) Prohibits loan servicers from reporting false or misleading information to credit bureaus.

HEA ( 20 U.S.C. 1082 ) Requires proper loan servicing, disclosure of accurate balances, and correct borrower records. I formally request that MOHELA remove the following from my credit report immediately : If these errors are not removed within 30 days, as required by federal law, I will escalate this matter by filing complaints with : U.S. Department of Education ( Federal Student Aid Complaint Center Federal Trade Commission ( FTC ) State Attorney Generals Office Furthermore, I will explore legal action for the financial harm caused by these errors.
Product: Debt collection

I continue to receive calls from Chaplain Financial stateing I owe payday loans from several years ago from XXXX different payday loan operations. I told them I have never taken a payday loan out. They gave me information that was mine but was not consistent. Ex, old addresses, old employers etc. At one point they told me they were going to take me to court- I said I have n't received any judgments in the mail. They stated that they came to my home and took pictures. They have also called my sister and brother asking about my where about. I called them and asked for a verification letter showing the debt I owed and the Virginia creditor- they sent me an email but it did not have much information on it but the name of the creditor- which I looked up and could n't find a working numbers for any of them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I discovered that an Identity Thief gained inappropriate access to Experian.com using my personal information and registering an account to their email address and phone number. Therefore they have access to my ENTIRE financial history, and I can not register for an account at Experian because it is linked to the thief 's phone number. I even discovered that in XX/XX/XXXX through a credit monitoring report that they unfroze the credit freeze at Experian after I placed one there. 

I've tried NUMEROUS times to call Experian to get this issue resolved. However, it is impossible to speak to a human being at that company.
Product: Credit reporting or other personal consumer reports

Complaint # 1 : These companies have NOT been authorized to pull my credit and I demand removal : XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX Complaint # 2 : TransUnion has been requested since XXXX to remove the public records below 1-public record that Does Not belong to me and it was a same-name mixed file from another consumer with the same last name. 
XXXX XXXX XXXX Record type XXXX XXXX bankruptcy XXXX Original filing date XXXX XXXX, XXXX Complaint # 3 : XXXX Charge Off for {$120.00} from XX/XX/XXXX Do not belong to me Complaint # 4 : XXXX Late payment history Do Not belong to me Complaint # 5 XXXX  Charge Off {$9900.00} Do Not belong to me.
Product: Debt collection

I am writing to address a critical issue regarding my credit report and the persistence of a fraudulent accounts despite successful removals by other credit bureaus. It has come to my attention that your bureau continues to report a fraudulent accounts that other bureaus have already deleted from their records. This situation raises serious concerns about the effectiveness of the investigation process and adherence to industry standards. 
XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
XXXX XXXX & XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have submitted dispute requests and provided documentation proving the fraudulent nature of the above-mentioned accounts. Other credit bureaus have acknowledged this evidence and promptly removed the account from their reports. However, TransUnion has yet to take similar action, and the fraudulent entry continues to tarnish my credit profile. 
This discrepancy raises questions about the thoroughness and accuracy of Transunion 's investigation process. It is perplexing that, despite clear evidence of fraud, the bureau has allowed this account to persist on my credit report. I demand an immediate and comprehensive review of this matter to rectify the inaccuracies on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against EQUIFAX! On Monday I filed an online dispute with Equifax to have unauthorized inquires removed. Because I've had issues with them in the past taking actions which I didn't request I called them today ( Thursday ) to make certain that they hadn't placed a Fraud Alert on my credit file. In XXXX of this year I sent them a FAX verifying my identity in order to have them answer my question as to why my credit card hadn't been added to my credit file. They ended up sending me a copy of my credit report though I never requested that they do so! 

Today when I called I was again subjected to their asinine questioning to prove my identity. Whenever I have prove my identity over the phone with XXXX or my banks, I never have the unfortunate drama which I have with Equifax! I was forced to send them a FAX again to prove my identity and was told I would have to wait 7 - 10 business days for them to get their act together again to address what should be a straightforward and simple solution. 

I have four trade lines on my credit file. Two are authorized users from my mother 's credit cards, two are my own credit cards. I don't ask that my mother share with me her credit card payment information, so I didn't answer those questions at first, however, when I checked what was on my Equifax file and answered the questions I was still told I didn't answer the questions correctly. I seriously doubt they wanted to provide a reasonable method to verify my identity over the phone. 

That Equifax is based here in XXXX and that I a native of XXXX have to speak with call center representatives based in the XXXX concerning uniquely U.S.A. consumer credit issues is ridiculous. I'm a businessman who relies on my good credit for the growth of my company. That an incompetent group like Equifax has their cumbersome hand meddling in my financial affairs is criminal!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted XXXX asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item XXXX not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Debt collection

To Whom It May Concern : Please respond do not mark duplicate I am writing in response to your recent communication regarding the debt associated with account number XXXX. While I understand that your agency is working on behalf of the original creditor, I would like to clarify my position and request additional information regarding the permissible purpose for reporting this debt to the credit bureaus. 

As you are aware, your agency does not own the debt but is acting as a third-party collector on behalf of the original creditor. I have kindly emailed the original creditor to verify whether the debt has been sold or if you have been authorized to report it to the credit bureaus. This verification will help me assess if your actions are in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Please be advised that I am carefully monitoring the situation for any potential misleading practices under the FDCPA, including, but not limited to, the misrepresentation of debt ownership or authority to report on my credit profile. 

I respectfully request that you provide me with the following information : Written confirmation that your agency is legally authorized to report the debt to the credit bureaus, either through ownership or explicit authorization from the original creditor. 
Documentation proving that your agency has the authority to report this debt on behalf of the original creditor, if applicable. 
Should it be found that this debt was not properly transferred, or that your agency lacks the necessary authorization to report on my credit file, I will consider further actions, including filing a formal dispute with the credit bureaus and reporting the issue to the Consumer Financial Protection Bureau ( CFPB ) for investigation. 

I expect a prompt response within 30 days, as required by law. If the proper documentation can not be provided, I request that you immediately remove this debt from my credit report and cease any further reporting related to it. 

Thank you for your attention to this matter. 

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

RE : 15 USC Section 1692C -NO RESPONSEFROM : XXXX XXXX XXXX and Experian or the creditors and no actions- Sent to all of them Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX, XXXX XXXX and Experia n ) don't have the right to report anything on your credit report without your written consent whichyou do not have that right To Whom It May Concern, I am disputing th e- referenced debts below. Pleaseverify this debt as required by Fair Debit Collecti on Practices Act.

BecauseI am disputing t hisdebt you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agenciesinform them that t hisdebt is disput ed and ask them to delete t his from my record report reporti ng inform ation t hat you know to be in accurate or failing to report information correctly violatesthe fair cred, it reporting act. The law states theseitems need to be removed within 4 days of receiving our complaint.

Aside from verification of the debt, do not contact me about this debt. The Fair Debit Collection, Practices Act, 15 USC Section 1692Crequires that youhonor this reques.t Your cooperation will be appreciated.

Section 604 15 U.S. Code 1681B- Thislaw states t hat th e credit reporting agencies ( XXXX XXXX XXXX and Experian ) don ' t have the right to report anything on your credit report without your written consent which you do not have that right
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 - I called XXXX, XXXX, and Experian to have old address that were undeliverable removed and theyre still on there.
Product: Bank account or service

A few years ago I tried a small business and wanted to process credit cards. I signed up thru XXXX XXXX and First Data. They sent me a machine which did not work from day one. I called them and they said they would send me another machine for {$40.00} more dollars. I refused. After months of trying to get this worked out I finally got an email from them telling me to return the machine and the nightmare would be over. I followed their instructions and have the postal receipt. Since then I have been harassed by First Data for lease rental fees ( after I was told the whole mess was resolved ). I did not hear from them for many months and today I received another call, not stating who they were after I specifically asked them who was calling, telling me I owed money to First Data. I replied " I do n't owe them anything ''. The person on the phone told me in a menacing tone, " Check your credit ''. I went online and there are hundreds of complaints against First Data. They are a mega corporation so I 'm sure they feel untouchable. I have been an honest guy my whole life and they threaten my credit when they completely failed me as a consumer. It 's a shame and I expect my government to stop them from destroying good people credit. It 's been years but I still kept the email where they told me to return the faulty machine and that I was done with First Data. Please stop First Data and make sure they did not ruin the credit I rating I earned my whole life ( my rating was about XXXX ). Thanks. XXXX XXXX