23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

On XX/XX/2018, I made a {$5000.00} payment to my loan. This payment is not a monthly payment, as my loan is currently in deferment while I attend school. It is an extra payment. I have asked via phone and submitted via letter standing instructions for all extra payments to be directed towards the interest of my unsubsidized loan, followed by the principle of my unsubsidized loan, followed by the principle of my subsidized loan. 

Despite this my payment was automatically divided up between my direct subsidized loan and my direct unsubsidized loan. On XX/XX/2018 I called XXXX XXXX and spoke with a representative requesting that my payment would be distributed in the order specified above ( first to the unsubsidized loan components, then any remainder towards the unsubsidized ). Because the {$5000.00} payment was more than the remaining balance of principle and interest on my unsubsidized loan, I asked the representative to ensure that the unsubsidized loan balance would be paid off in full. She confirmed that this would be done. 

Shortly before XX/XX/2018, I noticed that the XX/XX/XXXX payment had been redistributed. {$4300.00} had been applied to my unsubsidized loan and the remaining {$620.00} was applied to my subsidized loan. However, my unsubsidized loan still held a balance of {$100.00} principle and {$1.00} interest. 

On XX/XX/2018, I called XXXX XXXX to ask why the XX/XX/2018 payment was not distributed according to my instructions and had an unsubsidized loan balance remaining. The representative said that my instructions were clearly stated in the call request and she did not know why the balance was not reapplied as I instructed. I spoke with a supervisor who flagged the issue and sent it to the accounting team. She assured me that my payment would be correctly distributed and visible in my account within 1-2 days. After a week the payment has still not been applied according to my instructions. The unsubsidized balance continues to accrue interest and carries a {$100.00} principle.
Product: Mortgage

Well the saga continues after XXXX complaints and XXXX months later my deed in lue is still not completed and now the home owners association is planning on taking me to court because of past arrears that I can not not pay due to the fact that Ocwen has taken so long with completing my deed in blue that they said would take XXXX days. Ocwen continues to lie about their process and push me off. I recently receive foreclosure paperwork from an attorney about the house in question that Ocwen submitted to them. I contacted Ocwen and they told me not to worry about t and they can stop the foreclosure at any time they are just waiting for their attorney to get back to them. So about their attorney, they gave me the name and number to try and get in contact with " THEIR '' attorney who I found out if a family attorney not a mortgage or real estate attorney. After calling them back multiple times and spending time I found out they were never able to contact their attorney for many months and this was the delay. I told them to find another attorney, and they wasted all this time. I had to kick out the renters who are still waiting on their {$3000.00} from Ocwen to move out and Ocwen 's escalation team s horrible to work with everyone puts a priority on the escalation and nothing happens. There must be something to protect consumers from this behavior of the mortgage companies. Where can I go? Do I have to take them to court? I now have less than 30 days before they foreclose on my house that I have been trying to give back to them for over a year and their inability to do the right thing and provide professional services is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company and the advised me to contact XXXX for removal ; When contacting the XXXX they advise me to file a identity theft on XXXX. I sent XXXX, Transunion and XXXX the report and additional documents and they advised the amount from XXXX XXXX XXXX Balance {$25000.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX  Balance {$2700.00} fraud accounts will be removed i submitted all documentation and they close the investigation stating everything was verified as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I cant access my credit report like whatsoever my son is XXXX  and my id is attached to this complaint im submitting. I pulled my credit from another source outside of Equifax and there's was nothing, zilch, notta showing. I hope with this sensitive information I've attached Equifax will be able to submit me a credit report. I would also like to regain Equifax to www.myequifax.com I haven't seen my report on the website in years. Nor have I been able to access it from Equifax website or annual credit report.com please help thanks
Product: Debt collection

Upon inspection of my recent credit report, I identified multiple accounts that seem to have been added without my consent. Please ensure these unauthorized accounts are blocked and removed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 fraudulent inquiries listed on my Experian credit report that I have tried over and over to dispute to no avail with Experian. It's mighty XXXX that they will acknowledge the fraud alert and place it on my credit report but not remove the fraudulent information which makes absolutely no sense. The inquiries are as follows : XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX And on my XXXX report the following inquiry has been fraudulently placed and I have tried over and over as well and I tired of trying with both of these agencies and it shouldn't be this way for something that does not belong to me XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax in blatant violation of the following FTC regulation : 623.

Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition * ( A ) Reporting information with actual knowledge of errors. 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 ad- dress specified by the person for such notices, that specific information is inaccurate ; and * ( ii ) the information is, in fact, inaccurate.

* ( C ) No address requirement. A person who clearly and conspicu- ously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 

* ( D ) Definition. For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.

( 2 ) Duty to correct and update information. A person who * ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and * ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 

Continues to report the following inaccurate items as included in a bankruptcy that XXXX has deleted as inaccurate ( see enclosed document ) : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PUBLIC FILINGS XXXX BK IND CH-XXXX  ( XXXX not reporting ) delete
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries and addresses are not affiliated with me nor are they authorized by me and I would like them to remove from any affiliation with me immediately. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX : {$220.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$570.00} XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX Balance Owed : {$2600.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} XXXX  XXXX Balance Owed : {$87.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I was XXXX of US Bank and when I left, in XXXX of last year, I received a letter advising me that if I took no action my account would be changed from a platinum account to XXXX with a lesser fee or no fee at all. Shortly after leaving i relocated to AZ and in the mess I forgot about my account. I received no communication written, or telephone until XXXX of this year, despite changing my address in XXXX when I moved. when I found out that my account had an approx XXXX dollars. I immediately went to the branch and explained the situation. After a few weeks of investigating by the local branch in Arizona we found out I left the bank with a balance of zero and in XXXX fees started to be assessed to my account. I was also informed that I would have to call the branch where the account was opened up as they would have to fix the problem. I was given the phone number and called the branch and spoke to a helpful person promised to call the back office and follow up with me that day. twenty minutes later I received a call back and I was told that the back office would not help me at all and I owed the full amount now over XXXX. I went to the local branch and paid the money but felt that I was treated bad, especially for being a XXXX and the fact that bank would not help me out even though i received no written letter or phone calls to be discracefull and then tell me I have to pay everything.
Product: Debt collection

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391.  Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F.  2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX VA XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX Balance Owed : {$2900.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus are lying about verifying information with creditors.
Product: Credit reporting or other personal consumer reports

I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured. The violations I am reporting involve inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations. The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision. I provided the correct address and my social security number to this reporting agency and they continue to knowingly put inaccurate addresses that I have never resided at. I sent a photo copy of my Drivers license that has my only residence. I do not get any legal mail or correspondence from any address other than my home : XXXX XXXX XXXX XXXX XXXX Texas XXXX. I also sent a photo copy of my social security card. I have ask them numerous times to remove the inaccurate addresses. I provided my drivers license and social security card as they requested with my address and only address that I want on my report. I also contacted creditors who provided inaccurate information to the reporting agencies and received deletion and removal of account assurance. I was told that they would request to remove and delete accounts to the all reporting agencies. This reporting agency is still reporting inaccurate information on my credit report. I have requested as well as some of the creditors to have accounts removed. Apparently they have not been remove as requested. My rights are being violated and by consumer laws Im requesting relief immediately.
Product: Prepaid card

After waiting XXXX business days like they promised I still have not been able to get my card expedited every day it's a different run around with them I'm so tired if it
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

I received a bill from Apex Asset Management LLC dated XX/XX/XXXX for a service from XXXX XXXX at XXXX Hospital on XX/XX/XXXX. I immediately sent them a copy of my insurance company 's XXXX showing that my balance owed is {$0.00} and that this is an illegal attempt to balance bill. 

I received another bill from Apex dated XX/XX/XXXX stating that I had not had any communication with them.
Product: Credit reporting

i have through cfpb complained about how this company manipulates my credit score to no avail the do n't even response to my complains my credit score with them on XXXX XXXX was XXXX today XXXX XXXX its XXXX with no changes what so ever on my credit history please stop them
Product: Credit reporting or other personal consumer reports

My score recently has dropped a XXXX points, please make sure my score reflects accurately. I was nearing a XXXX XXXX thank you
Product: Payday loan

I was applying for a loan from mobiloans.com and they said my social security number was not in there system but when i go on their site they say it is. this was my first time ever applying with this company.
Product: Credit reporting

Experian responded that on XXXX/XXXX/13 the issue was addressed. It in fact was not. I have disputing this item again with both Experian and XXXX XXXX XXXX for years and neither party has been able to validate this debt showing me anything that tis so called debt belongs to me. I have asked for any contract I signed, any written correspondence any both parties are unable to produce anything. Experain is just electronically asking XXXX XXXX XXXX if the debt is valid without producing any proof. This is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to USC 1692g Sec.809 ( b ) of the FDCPA. The creditor must provide in a timely manner any of the following : 1. Agreement that bears my signature of all alleged debtor wherein he/she has agreed to pay the creditor. 

The law is very clear under FCRA sections 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), Section 611 ( 5 ) ( A ) and Section 611 ( a ) ( 7 ) which all fall under the clause of verification and validation of a debt. If the creditor or credit reporting agency ( Experian ) can not produce proof tat the item MUST be promptly deleted. 

Both Experian and XXXX XXXX XXXX are in violation of the FDCPA and FCRA and will be held liable for damages of reporting negative information. The law is very clear clear as cCivil Liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

This account has never been late and this creditor has not completed a proper investigation. They intentionally deleted another account which was a mortgage that was paid in full. In addition they have ignorant XXXX employees that work for them. I seek litigation if this matter is not resolved in the next 30 days.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXXXXXX : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these inquiries, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate inquiries in my file. Delete these immediately! 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX I received my consumer report, on XXXXI sent A certified letter requesting all incomplete and inaccurate information be removed from my personal file On XXXX I received a letter stating they do not need to correct or remove any In accurate or incorrect information, I also included an identity theft letter with my original certified letter. It's my understanding I have a right to have everything on my report correct as to me and my information not anybody else 's they want to put onto my information file which they seem to have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a complaint about Transunion, because they were furnishing my information without my permission, which is illegal. They responded back to me with a stalling tactic on the XXXX of XXXX.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Account status : Collection Reported balance : {$280.00} Date opened : XXXX XXXX Date reported : XX/XX/year> Actions taken : I told them to stop calling me after getting threatening phone calls, so under law 15 U.S. Code 1692c - Communication in connection with debt collection, I would like this wiped off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - sold my car for a low price to an outside party. I still had over {$3000.00} worth of electronics in that car. They were suppose to close this account due to over the top Maitenance visits because the car had so many issues. On top of that. Every time the car broke down, I had to get it towed and paid out of pocket. XXXX XXXX was suppose to reimburse me for those tolls and did not fully pay me back. I asked over and over for someone to give me a call because I am owed money for those tolls. 

Credit Acceptance- still billing me and harassing me with phone calls after my truck was involved in an accident. I was not in the vehicle when this happen. The insurance company XXXX declared the truck as a Total lost. Now I can not get my truck registered again because it is now a total loss vehicle. I asked them to close this account because they did not accept the offer from XXXX for me to receive a check for my damages. They did not want to sign over the title because of my account status. The truck is not drivable and is parked due to tail end hit, and gas tank leaking fluid.