23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have been paying my student loans but noticed during the last two months my principal/interest ratio has increased ( the interest applied has doubled compared to what was applied to interest during the prior two months ). Therefore the amount going to principal has decreased significantly. See below XXXX/XXXX/2017 Payment {$630.00} Principal- {$180.00}, Interest - {$440.00} XXXX/XXXX/2017 Payment {$640.00} Principal- {$230.00}, Interest - {$400.00} XXXX/XXXX/2017 Payment {$960.00} Principal -- {$730.00} Interest - {$220.00} XXXX/XXXX/2017 Payment {$620.00} Principal -- {$500.00} Interest - {$120.00} XXXX/XXXX/2017 Payment {$340.00} Principal -- {$230.00} Interest - {$100.00} Also, my Bar Study loan ( private loan ) has been in an " administrative forbearance '' for three months now but no one at Navient seems to know why it is there. I have continued to make payments during the forbearance but I have been told since the loan is in forbearance status, there will be an accumulation of interest that will be applied to the loan once the forbearance has ended, even though I have continued to make monthly payments during the forbearance. This does not seem right to me.
Product: Student loan

I 'm a first-time borrower in XXXX school with issues regarding payment allocation on behalf of Navient, my loan servicer. According to Navient 's website, payment allocation for Federal Direct Unsubsidized Student Loans would first be applied towards any late fees ( which do n't accrue on this type of loan, according to their website ), then next to any unpaid interest, and lastly, towards principle balance. I was under the impression that I could keep track of my interest that accrued, make payments accordingly, have those payments applied towards said interest, and if I chose to pay more during a payment, to have it allocated towards principle. It was never disclosed if I had to make payments on time each month, but my first two monthly payments ( in the exact amount of the interest at that point in time ), were applied as a " customer refund to reduce principle ''. I was n't expecting my payment to be applied that way, so I sent an email questioning it, only to again be told that my payments would be applied first to interest, then principle, which did not happen. I made a payment on XXXX/XXXX/XXXX, 4.5 months after first disbursement, and it went towards the interest. I figured the first two payments may have been a glitch. I then made a payment for the new semester on XXXX/XXXX/XXXX, which again, went towards a " customer refund ''. I wrote again, just to get the same reply, once again, about payments going towards interest first, then principle, except this was still not happening in my case. I called Navient on XXXX/XXXX/XXXX and spoke to a rep, who disclosed to me that there is a " 120 day holding period after disbursement '', where all payments made within those 120 days would be a " refund ''. I explained to her that that was not disclosed anywhere Navient 's website. I asked her where on the website I could find that disclosure, and she did n't answer my question. She repeated again that on XXXX XXXX XXXX, my payments would be applied towards unpaid interest. I explained that while attending school XXXX and working XXXX hours a week, I ca n't afford to wait that long to pay a lump sum, and that I would like to make small payments each month to keep up with the interest. The website explicitly states that my payments will be applied to interest, then principle, and I have the same statement in email form from Navient. She explained that if that 's how I want my payment allocated, I have to call each time I make a payment. I should not have to do so when I am told, in writing and on the website, that my payments will go towards interest and then principle, not the opposite. In addition to this, I am unable to claim any tax deductions since they mishandled my payments in XXXX and applied them towards the principle, and not interest, as I had intended, and was under the false pretense that that 's how my money would be allocated. I am fed up with this company telling me they will handle my money one way, but do something else with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7000.00}, {$5600.00}, {$3000.00}, {$2700.00}, {$3700.00}, {$1200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7000.00} -This is not my account. 

2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$2700.00} -This is not my account. 

-- COLLECTION ACCOUNTS 5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

6. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My personal information and account details were shared with a third party agency without my consent or knowledge.
Product: Credit card or prepaid card

I filed a dispute with Chase Sapphire credit card about XXXX XXXX for {$1500.00} on XXXX XXXX, 2022. XXXX was hired to pressure wash, re sand and seal my pool deck. Product washed away after first rain. He agreed to return but after several weeks and calls never did. I had called Chase on a separate issue and the customer service rep asked if I'd like an update on my dispute. She read a detailed letter to XXXX in my favor. After returning from vacation Chase sent me a letter in favor of XXXX. Spoke to supervisor at Chase, XXXX, and was told I could request another review. After researching my case she said there is " no footprint '' of that conversation and I was out of time to dispute further. I have had this credit card 27 years. Never have I filed an erroneous dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

Account of XXXX  XXXX XXXX is reported on my credit files for Trans Union ANDXXXX AND DOES NOT BELONG TO ME. They have both removed this account after much a do and reaching out and now i see they have placed the account back onto my credit report again. this is an error and this account and balance do not belong to me, i have sent the court documents dismissing and closing this error and letters numerous times and this is still not fixed. i have reached out many times and this is still not resolved. i need this handled please this is negatively effecting me,
Product: Credit reporting or other personal consumer reports

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$330.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX Balance Owed : {$750.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX Balance Owed : {$9400.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for la

wful accurac y.XXXXXXXX XXXX XXXXXXXX Balance Owed : {$2300.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all late immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you. 

XXXX XXXX Balance Owed : {$1700.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a account with XXXX XXXX and they put a security hold on the account for months blocking me from changing the address and even speaking with someone on the phone in regards to servicing the accounts like updating the address and or getting account information. Every time I would call I was told I needed to speak to security and they would give me a list of things to send in. I even went into a branch in XXXX Ga ans after giving them the information they wanted they also told me they would update the address only to find out it never happen. I than later called got login on line to find the credit card was past due 30 days. I never activated the card it was not a annual fee it was a card shipping fee. It was taking off by XXXX XXXX  as they have agreed yet my credit is destroyed! They tell me there is nothing they can do. this is insane I never use the card and was told the account was closed until I cleared things up with security. Please step in so I may fix my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 receipt by such agency of- ( 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 consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

Please remove the following accounts : XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A. States i have the right to privacy.

15 U.S.C. 1681 Section 604 A section 2, States a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

XXXX XXXX, Attorney at Law has claimed I owe the City of XXXX Ohio, over {$500.00} in back taxes. I worked in XXXX in the years XXXX and XXXX at a XXXX XXXX and have never been asked to pay city taxes for the work done as a teenager. They should cease and desist. The statue of limitations is over. To request back taxes from 20 years ago, during a pandemic is in bad taste and is threatening. Why would they try to ruin people 's credit scores during a pandemic? The statue of limitations has expired. I don't recommend buying anything from the City of XXXX, especially debt collection that is past the statue of limitations.
Product: Debt collection

In XX/XX/2019 I was injured on the job with the USPS XXXX Ohio branch. I was sent to university hospitals XXXX XXXX XXXX in XXXX for evaluation by said employer. I have a debt On my credit report for {$230.00} that i have disputed 4 times with equifax. Each time I dispute the response is that first federal credit control has verified the debt is mine. All bills for this injury are the responsibility of the USPS. I called first federal credit control today to request verification or a copy of the debt and was told to contact the hospital because their company has a large file and doesn't have that information orthe information to contact the original creditor. Acct # XXXX with university hospitals and the file number with first federal credit control is XXXX. CONTACT INFO for first federal credit control is : First federal credit control XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX Original creditor University hospitals urgent care Acct # XXXX Billing dept Attn : XXXX Pob XXXX XXXX ME XXXX My social security # is XXXX XXXX XXXX however my birthdate is incorrect in the file as XXXX and my birthdate is XXXX. 

I called university hospitals and they would not change the billing I, information for this debt.
Product: Debt collection

To whom it may concern : This letter is being sent to you in response to the above reference account that EOS CCA, has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and VALIDATION is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any documents that show I agreed to pay what you say I owe. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account. 
Show me that you are licensed to collect in my state. 
Provide me with your license numbers and Registered Agent. 

At this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS CCA, for the following : Violation of the Fair Credit reporting Act. 
Violation of the Fair Debt Collection Practices Act. 
Defamation of character.
Product: Debt collection

On XX/XX/2019, I was asked to e-sign a background check for XXXX / XXXX XXXX XXXX XXXX. They collected my signature and cut copy and pasted to a contract that a company called XXXX XXXX is trying to collect on. XXXX XXXX has reported this fraudulent account to my credit causing me to lose over 60 pts in one month. I contact XXXX XXXX and requested a copy of the original contract vis email. They sent me a 3 page copy of a contract with the date of my signature altered. On the 3 page, it clearly shows when they collected my signature and the date they applied it.
Product: Credit card

On XX/XX/XXXX we had an emergency with our pet ( dog ) and we went for medical treatment to XXXX XXXX XXXX, located in XXXX, CA. Due to the high cost of the treatment for our pet we request a credit to the company CareCredit. The credit card was approved and we were able to get the medical services we needed to saved our pet life.

When we get the approval, nobody give us any information about a " Promotional Offer '' nor something similar, not even the people of XXXX or CareCredit. 

After this emergency, we start doing the payments directly to CareCredit, using their app, because this is not a regular credit card, and we didn't have any other transactions to be aware of, we just proceed every month with the payments. 

On XX/XX/XXXX we noticed the balance in the app was pretty much high the since we started doing payments and the last month balance, so I checked the statement and we noticed that a charge of {$1900.00} for " interest charges on purchases '' was applied to our balance, we were in shock, because they were charging interest fees every month, so we thought that this should be a mistake, and therefore, we proceed to call the company CareCredit to get this issue resolved. 

The customer service representative was very rude, telling me that we know about this " special promotion '', we tried to explained them that nobody, ever, explained XXXX something about this deferred interest, and we weren't aware of this. The customer service representative, again in a very rude tone told me that even if nobody explained me that we had " deferred interest '' promotions in our card, we are responsible and if we want to get this charges removed, we must do a payment of {$1800.00} ( more/less ) before the XX/XX/XXXX. 

This is not just unfair but misleading, this company is charging a huge interest ( the original loan amount was {$3700.00} and the interest is {$1900.00} more than 50 % not including the other interest charges they made before ). They treat customer in a very rude way and push you to pay this abusive interest with no way to resolve this.
Product: Student loan

I am XXXX. I submitted an application to which they acknowledge my circumstances. Their solution is that I transfer the loan to my cosigner. Additionally, they have stated that the loan is in the name of my cosigner, without me or my cosigner having agreed to this action. Now despite us making payments that we can not afford, they are constantly calling to harass with robocalls.
Product: Credit reporting or other personal consumer reports

I'M a victim of the recent data breach and urgently request that all accounts mentioned be block and deleted pursuant to 15 USC 1681C-2 ( a ). Effected account XXXX XXXX balance {$410.00} opened XX/XX/year>XXXX  account number XXXX. This breach is severely impacting my ability to obtain approbal for a car loan, which is necessary to transport my children to and from school. This situation is causing me signicant stress and hardship for me, and I ask for your prompt assistance in resolving this matter as soon as possible.
Product: Mortgage

Long story short I was lied to multiple times by my mortgage company. Who is it you ask Wells Fargo bet you knew that was coming. First I was lied to about my closing cost hitch is the whole reason I chose to refinance with them in the first place. I was then told due to the lie I would be receiving a customer service credit to bring my closing down to the discussed number. This never happened it was suggested to me by a mamber of their team that this money would hurt rather than help and just be added to my mortgage and that it wasnt being issued as a customer service credit as discussed. They completed their investigation and then claimed that I would not be receiving anything as they didnt write anything down on their end. A company that tapes absolutely every conversation has no record of a claim they made multiple times during conversations. I was not told of my closing costs until 30 minutes before my first closing and had to have a second closing because they didnt add an escrow as I asked them probably 10 times to make sure was in their. They are deceptive and quite frankly con artists. I asked to get a call from a member of management to which was refused numerous times. Gentleman on the phone then got loud with me and said they had made their decision I pushed again and supposedly will be issued a call back within 48 hours.
Product: Credit reporting

Looked at credit report states opened credit with synchrony bank in the amount of {$230.00} on XXXX XXXX. Upon viewing website never seen this website before this looks to be incorrect or false reported information please help in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 120 ) days past due on the DPT ED/XXXX accounts. ( Please see the attached spreadsheet of reporting bureaus with account numbers, along with a copy of my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.