23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have two homes being serviced by SP Servicing for receiving my monthly payments. 

SP Servicing took over my file in XXXX and I have never missed a payment, however, this company insist that I've been behind, when they sent a statement to me showing that they misapplied the monthly payment for XXXX to my principle instead of applying the payment for the month of XXXX, 2021. 

There is a prepayment penalty on my mortgage with the original lender XXXX XXXX, restricting me from making principle payment additional to my monthly payments. 
I bought the property the end of XX/XX/2021, so I'm aware that early payments have to be approved to be accepted. 
The month of XXXX would be an acceptable time to make additional payments and over the 6 months restricted timeframe. 

I uploaded an SP Servicing statement showing the Unapplied Payment and states that I owed the balance of over {$1100.00} dollars. 
I paid the entire payment of {$850.00} again this month by calling SP Servicing and they withdrew the funds from my checking account early XXXX this month and applied it to the XXXX payment they refuse to give credit for already being paid. I need to know what is going to happen to my remaining payment of over {$1100.00} that the statement shows, as Unapplied Payments? 

SP Servicing has not given me credit for the double payment for the month they applied the 2nd payment. 
Since this has been paid twice this month of XXXX, I continue to receive harrassing letters of collection, home retention and foreclosure prevention threats. 
I have received 5 letters in one day several days and over 40 letters since the month of XX/XX/2021. 

When I go online to confirm credit for the payments being made and acknowledged, the SP Servicing website shows that all payments are paid and I owe for the upcoming month of XXXX, but still receiving harrassing and multiple threatening letters, regardless of a perfect payment history. 

Today, I received 6 letters from SP Servicing 's Collection Department and after requesting a Cease And Desist action from receiving inappropriate and forceful letters two weeks ago and still receiving inappropriate and threatening letters.

I'm trying to sell this property that has the most equity and very concerned that there could be a holdup and monies added to my balance, instead of applying it for my monthly payment for another month.

please intervene and restrict SP Servicing from harrassing me. 

It has been very stressful, especially since I had XXXX on Monday the XXXX and really need to rest up for getting moved out of this property this month! 
No matter what the communication between SP Servicing, the harrassing and freighten letters continue to multiple like clockwork, as thought I'm a criminal, regardless of having had over XXXX credit scores up to this last month in XXXX and XXXX with SP Servicing, Inc.. 

Please stop this preditory lender from trying to take both of my properties!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 Number : XXXX Account Name : XXXX Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have become a victim of a data breach, which has led to fraudulent activity on my credit file. In accordance with 15 U.S.C. 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), I am requesting that all accounts associated with the data breach be blocked and deleted from my credit report. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collection Account : XXXX - Date : XXXX - Amount : XXXX XXXX Fraudulent Inquiries : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 ( b ) - Permissible Purposes of consumer reports, ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


I did not give my written consent for anyone to report anything to my consumers credit report. No consent is identity theft.
Product: Credit reporting or other personal consumer reports

XXXXm 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/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that 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 Balance : {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Requested deletion of XXXX accounts in which I have letters from the creditors stating it was to be deleted from all credit bureaus. Everyone except Equifax has complied with the request from the creditor. Equifax continues to state the " We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : '' the creditors. I have applied them with the letters, spoken with the creditors, and they stated they have requested this to be removed, and Equifax continues to not do this. The XXXX accounts in dispute is the XXXX XXXX and XXXX. I even requested documentation of what was provided to them on XXXX/XXXX/15 when they verified the accuracy and have not recieved the documentation as of today XXXX/XXXX/15.
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 on how to remove the fraudulent accounts 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 accounts 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 accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$2600.00} XXXX : XXXX XXXXXXXX XXXX XXXX Balance : {$750.00} XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} TRANSUNION : XXXX XXXX XXXX XXXX Balance : {$750.00} XXXX XXXXXXXX XXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX : {$670.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1800.00} 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 an 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

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 15USC 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 XXXXXXXX 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 an 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 record 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: Student loan

The issue is University Accounting Services XXXX UAS XXXX https XXXX XXXX  and their refusal to provide XXXX tax forms and/or help with resetting a login to access online. This results in my inability to complete our taxes since I can not access the UAS student loan XXXX tax form for the loan we paid this loan off in XXXX of XXXX. I repeatedly through XXXX tried to get into the systems and could no longer login with any combination of my son 's or my information ( they changed their systems XXXX. In XXXX repeated calls were made and waited on hold for 90+ minutes with no answer only to be hung up on at their XXXX XXXX close of business. After each UAS call hang up in XXXX repeated emails were sent and left unanswered. I need our XXXX tax forms!!! In all the emails I included our physical address change effective XX/XX/XXXX needed to be changed for our loan for tax forms.Other tax forms from ALL other service providers all arrived from XXXX but not UAS. The servicing of this loan has been a DISASTER, customer service up through XXXX was horrible and consistently laced with misinformation and now in XXXX refusing to help provide required tax forms or help correct access to their systems so customers can get them online. I need HELP to get my taxes done!!
Product: Debt collection

Somehow my account has been compromised and their has been an attack on my credit.
Product: Credit reporting or other personal consumer reports

These are fraudulent inquiries that were done without my knowledge. I believe my report was accessed without my consent and I feel violated.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX Account XXXX : {$32000.00}
Product: Student loan

Issue : Navient blocked my access to my account upon learning I am attempting to apply in the USGov Income-Driven Repayment Plan. 

The company is currently being sued for illicit business practices. This reinforces my belief the problem falls within the frame of that sphere. 

Below is a simple timeline that illustrates NAVIENT withdrew access to my account directly after the company learned ( and therefore because of ) my desire to enrol in the government-provided student loan repayment plan. 

**** EMAIL : XX/XX/XXXX : Service Loan Provider, NAVIENT send an email my Quarterly Interest Statement is available. I follow instructions and log in to my account via their website. 
**** EMAIL : XX/XX/XXXX : Email from NAVIENT they received my application from Student Loans.Gov for Income-Driven Repayment. 
*** XX/XX/XXXX : I discover my login credentials to NAVIENT do not work. Finally, I log in and am direct to a page with a message that my account has been disabled. 
*** EMAIL : XX/XX/XXXX : Email to NAVIENT are returned with following info : Your message wasn't delivered because the email admin for the organization 'navient.com ' created an email rule restriction. Please contact the email admin for that organization and ask them to remove or update the rule restriction.
Product: Credit card or prepaid card

On XX/XX/19 & XX/XX/19, we requested payoff amounts of the Credit Card for XXXX year old XXXX XXXX. We spoke to a live representative. As XXXX 's POA, I engaged XXXX on the call. We paid off the entire balance and closed the account. XXXX dropped off the call after she was validated by the company. We requested the company change the address as she was moving. They would not do so without her back on the phone. We attempted 3 more times, but experienced excessive hold times ... we were eventually successful to change the address in XX/XX/XXXX. Due to moving and her husband 's XXXX she was forced to move again to an XXXX XXXX. 

On XX/XX/XXXX, I received the first forwarded statement for the XX/XX/XXXX time frame and it reflected 4 Mo 's of late fee 's on the {$48.00} Interest payment, that came after the " payoff amount '' was given to us on XX/XX/19. 

We spoke to " XXXX '' and then her supervisor " XXXX '' about this situation. They insisted they were not authorized to waive the excessive late charges which amounted to 329 % over 4 months. Despite of us explaining the situation and the challenges we had with customer service, they advised that their system would not help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for the past three years to remove the accounts of Macy 's XXXX from my credit record. I never charged that amount at Macy 's. 
My cousin and I suffered a great deal due to these charges being under my name. 
Please have the company remove any negative data from under my name in the credit bureaus. 
Please have them refund me {$500.00} for faulty items.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$6500.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an unfamiliar account on my consumer credit report. The account in question is being reported by XXXX XXXX XXXX. Despite repeated requests to XXXX, XXXX and Experian to investigate this matter over the past seven months, no resolution has been reached. 

I have no prior or current legal business relationship with XXXX XXXX XXXX, nor have I ever entered into any contractual agreement with them. Despite my requests, XXXX XXXX XXXX has failed to provide a physical contract bearing my legal signature to substantiate their claim of funds owed. 

Under the Fair Credit Reporting Act ( 15 USC 1681 ( a ) ( 4 ) ), I am afforded federal protection as a consumer, which includes the right to privacy and accuracy in the information reported about me. The failure to grant me these rights constitutes a direct violation of the aforementioned statute and its subsections. 

Therefore, I demand that the account reported by XXXX XXXX XXXX be promptly removed from my credit profile. I expect immediate action to rectify this matter and to receive confirmation of the removal of this erroneous account. 

Please provide me with written confirmation of the steps taken to address this dispute and the final resolution thereof.
Product: Credit reporting or other personal consumer reports

i have requested the following companies to furnish any contracts and proof that of responsible party to obtain credit under my identity file EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I had opened a Victoria secret XXXX XXXX I believe my limit was XXXX or XXXX. Then ingot and increase i belive for XXXX. I really didn't care for the store anymore so I called in to have the card closed. Requested my last bill or balance. Time passed I forgot about it. Then I get an update on my credit report for Over the credit limit and balance i know i I had. I very seldom use the card so my balance was maybe XXXX or less. It's showing on my report for XXXX. I Contacted comenity bank and they didn't have it a law office did. Contacted law office and they seen where account info said requested to be closed per card holder but they didn't close it. So why should I have to pay for their mistake. They were not willing to correct the info even thought they saw it on the paper work. So why should I have to pay extra for their mistake? They were not willing to correct it. Now a different company has account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I I contacted XXXX XXXXXXXX XXXX Debt Collection Agency ) concerning a past due account to inform them that I ( XXXX XXXX XXXX was ready and willing to pay my past due amount in a payment plan. The account that I had with them was in collections and I wanted to pay the FULL balance due. I talked to the representative and told her that I would like to pay the FULL AMOUNT so that I could have this removed from my credit after paying. She informed me ( without me asking ) that I do not have to pay the full amount just a percentage and that would settle my debt in FULL. AND I FIRMLY told her NO I rather do a payment plan to ensure that this collection is removed from my credit! But she insisted and stated that no its ok Im repairing my credit as well, and I will have this removed from your credit report. And I told her are you sure because I dont want to have any problems once I pay this. She then stated hold on let me get my supervisor on the line and the supervisor got on the line and stated and I quote yes, XXXX XXXX once you pay the agreed amount we will have this removed from your credit. I said ok now bc I dont mind paying it in FULL so that it could be off my credit. He then stated thats no problem just as long as you pay the agreed amount it will be REMOVED FROM YOUR CREDT! So I paid the agreed amount and the reporting agency Experian got it and still would not remove it. I know the phone call was recorded and I let Experian knew by filing a dispute twice and they refuse to move it off my credit and they keep telling me after each dispute that their decision to keep XXXX XXXXollection on credit score remains. This is not right because I feel as though XXXX XXXX LIED and DECEIVED me just to get me to pay anything when I was willing to pay the whole amount! What the representatives ( the manager and the original representative ) at XXXX XXXX did was unlawful. And I want justice thats why Im reaching out to consumerfinance.gov because filing two disputes with Experian is not helping AT ALL. PLEASE HELP!!!
Product: Money transfer, virtual currency, or money service

I am unable to connect my bank account in an effort to pay an invoice using XXXX. XXXX has teamed together with company XXXX   to allow my bank account to connect with my invoice. PNC has made a recent change that prevents me from being able to link my accounts. This has made it difficult to pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 
XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance Owed : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$5700.00}, XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$900.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$290.00}