23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Issue # 1 : In XX/XX/XXXX my father sent a {$1000.00} check to the Department of Education XXXX XXXX XXXX to pay off {$1000.00} in principal on my student loans. I was still in school at the time, so no payments were actually due on the loans yet, this was just a payment to pay down some of the principal. My father 's check was dated XX/XX/XXXX and it was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX. However when I look at my loan information online, I don't see this payment deducted. 

I wrote a letter to XXXX XXXX on XX/XX/XXXX and sent it via Certified USPS mail asking them to let me know what happened to this payment. My letter was delivered to XXXX XXXX on XX/XX/XXXX, but I have not received any response yet after more than a month and a half. 

I have attached below the following documents that were already sent to XXXX XXXX : - My letter dated XX/XX/XXXX - Screenshot of {$1000.00} check being cashed on XX/XX/XXXX - Carbon Copy of my father 's {$1000.00} check dated XX/XX/XXXX I have attached these additional documents as proof that I have attempted to resolve this previously : - Post office receipt for Certified mail sent to XXXX XXXX on XX/XX/XXXX - Confirmation of delivery on XX/XX/XXXX for the same Certified letter Issue # 2 : I made a another Principal only payment by check in the amount of {$1700.00} accompanied by a letter dated XX/XX/XXXX with specific instructions about how and where the money should be applied. This check was cashed by XXXX XXXX ( PHEAA ) on XX/XX/XXXX, but they applied most of this payment to interest instead of principal and they applied it to ALL of the loans instead of the two loans I specified. They have also advanced the due date on my payments to a date in the future - which I did not ask to have done and do not want. 

I wrote the PHEAA Office of Consumer Advocacy a Certified USPS letter about this problem on XX/XX/XXXX asking them to fix it, but have heard nothing back yet after more than a month has passed since they received my letter. They received my Certified letter on XX/XX/XXXX. 

I have attached the following documents : - Certified Letter dated XX/XX/XXXX sent with check for the {$1700.00} principal payment. 
- Certified letter to PHEAA Consumer Advocate dated XX/XX/XXXX identifying the problem and asking that it be corrected. 
- Screenshot of my online loan account showing this payment was applied mostly to Interest instead of being applied to Principal only. Also shows being applied to ALL loans instead of the two I designated. 
- Monthly bill dated XX/XX/XXXX showing the 2 loans with the smallest balance, which is where this Principal payment should have been applied. 
- Confirmation of delivery on XX/XX/XXXX of Certified letter to PHEAA Consumer Advocate.
Product: Credit reporting, credit repair services, or other personal consumer reports

We previosuly filed a complaint with Bank of America -- case # XXXX. XXXX XXXX from the regulatory complaint dept responded. First off ... .XXXX should not be representing any executive response unit if she can not return calls. After receiving response, she did not return 3 phone message that were left for her. Awful customer service and again not a good representation of the company if she can not return phone calls. Secondly, she never addressed the credit INQUIRY on my credit report. I want the hard inquiry removed. Thirdly, when we received the response one of the letters had an address of a letter addressed to XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX. Where did this address come from? Did the perpetrator change it to that? I need answers. Also, XXXX, I told her I placed credit freezes on and she addressed it again. She is just not a good reader or responder. I would like someone else from the company to answer the original request about the INQUIRY and also the subsequent address for which I have never been associated with. 
Respectfully XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I got a flex loan with XXXX XXXX. The balance is now around {$4600.00} with an interest rate of 279.50 %. The payments are $ XXXX/month and I can not afford that. 

I have called the company and asked about lowering the interest rate, so that I can make affordable payments. They refused to lower the interest rate. I'm not trying to get out of paying the principal back, but I see no hope in even trying with such a high interest rate. 

I have learned my lesson. I will never do this again. We could work this out, if they will just be reasonable.
Product: Credit card or prepaid card

Ex was living with me and opened many things in my name.
Product: Credit reporting or other personal consumer reports

All my Federal Student Loans ( XXXX ) were XXXX through the Total Permanent XXXX unit at XXXX on XX/XX/2023. The adverse accounts were all removed from all XXXX bureaus almost immediately following discharge. 

On XXXX XXXX XXXX, all the accounts have reappeared showing me in XXXX day default, and my scores dropped massively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is, XXXX XXXX XXXX I have a dispute based on the factors that I have in place regarding my credit score as well as, Accounts that are currently effecting my Credit score / eligibility, To obtain financial opportunities regarding Car loans, cards, and or the utilization of such things, As well as my Credibility / Worthiness XXXX Page 1 I was in the midst of a fraudulent pursuit Where my name as well as my credibility was on the line for the sake of someone elses agenda, An individual ended up swindling Under False Pretense, It appeared that in all this processing with the car and the loan I assumed this was the process of how it was supposed to be until I was informed by my mother XXXX XXXX and grandmother XXXX XXXX who had some knowledge of what had taken place. As time went the car payments were being made and also the car insurance payments as well, until I begin to receive letters from the XXXX XXXX XXXX XXXX, Also a letter of non-payment for the car insurance / foremost insurance company. Also with attachments to the vehicle meaning parking tickets/toll tickets. I began to reach out to the third-party to inquire about these issues due to these actions and not being responsible in which it reflected back to me as the official owner. 
XXXX Page 2 So at this point we contacted the XXXX XXXX XXXX XXXX and spoke with a representative by the name of Miss. XXXX XXXX who directed us to the appointed people to resolve this issue. Im XXXX XXXX and my mother XXXX XXXX contacted the third-party and re-Poed my vehicle which was a XXXX XXXX XXXX XXXX. We informed the credit union that the car was in my care. Unfortunately in the vehicle on XX/XX/XXXX it was struck by another vehicle in a tragic accident I was hospitalized in extensive care as well as a therapy also a loss of employment. I have genuinely learned my lesson on trusting in knowing in my trusting I could have lost my life as well as my credibility in hopes of regaining my strength and the ability to move forward and look at this as a learning experience and a steppingstone to building a future let alone a new chapter in my life because one day I might have to cross my own bridge and face my own challenges in my life I am asking in all of this A second chance thank you for your time and consideration XXXX XXXX XX/XX/XXXX
Product: Mortgage

I had to file bankruptcy almost 2 years ago. In my bankruptcy included my home loan and escrow account. I am XXXX and was approved for property tax relief and was sent a {$1600.00} refund check for XXXX. HomeLoanServ put that money into my escrow account even after me calling several times and telling them not to and now refuse to give it back to me. The account has gone bankrupt and they can not collect any debts from me but yet they did and refuse to return it to me. I would love to attach email or written anything from them but for a month they have not returned one email or phone call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax, XXXX and XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All XXXX major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.Please remove the following items that are being reported incorrectly and not properly investigated : Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit card or prepaid card

I am requesting the audit trails ( accounting, file, ledger and transactional history ) for the consumer credit transactions that occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2022 notarized by accountant.
Product: Debt collection

This company has repeatedly called on different numbers at obscure times almost everyday, whether early in the morning before XXXX or later at night but they are relentless even though I am already paying them back on a regular monthly basis! My debt isnt even a big amount but again, they continue to harass me and NEVER leave a message stating their business if I ever miss their calls.
Product: Debt collection

I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. I opened the letter and realized this was a debt collector from yet again another debt collection agency that I just complained and tried to dispute. LVNV Funding has resold my account as if they are the original creditor and they are not. I never gave LVNV FUNDING or XXXX XXXX SERVICES my written instructions to furnish my account at all. 15 U.S.C. 1681 section 604 A Section 2 : states that a creditor can not furnish an account with the consumers written instructions. I am the consumer, and they are the creditor. That should be enough for this debt to be deleted. Also, they sent on XX/XX/XXXX that the debt was indeed valid and have chosen to keep it on my credit report but how is the debt indeed valid if they are not the current owners of the account. This account was resold to XXXX XXXX XXXX, and I received that letter XX/XX/2022. This is another clear violation of both LVNV FUNDING, XXXX AND XXXX because I asked them to delete this account as well. First off, they violated 15 U.S.C. 1681 c. ( a ) ( 5 ). This section states : no consumer reporting agency ( XXXX ) may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This alleged debt is not a record or conviction clearly but yet XXXX has chosen to leave it on my account. Even if the account is closed it should not be on my account because according to that law stated above under the FCRA nothing should be on a consumers report unless I have given written instructions which I have not, it was a judgement, which it was not, or it is the result of a conviction which it is not. It should be deleted. LVNV and XXXX should not be able to furnish my account at all. I did not give them permission and XXXX did not dispute my account accurately when asked.
Product: Credit reporting or other personal consumer reports

Subject : Misrepresentation of Car Return as Repossession by XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to submit a formal complaint regarding the handling of my auto loan and vehicle return by XXXX XXXX XXXX XXXX. 

I voluntarily turned in my car to XXXX XXXX XXXX XXXX with the understanding that a portion of the loan would be paid off as part of the process. However, after returning the car, I was informed by the bank that the vehicle had been repossessed, even though this was not the case. I willingly returned the car, and I was misled into believing this would resolve part of the loan. 

This misrepresentation has caused significant harm to my credit report and financial standing, as a repossession carries serious negative consequences. I am seeking assistance in correcting the mislabeling of this event as a repossession and ensuring that my credit report accurately reflects the voluntary return of the vehicle. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is not usages my recent credit scores the info on the site is not updated
Product: Credit reporting or other personal consumer reports

am filing a complaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding
Product: Student loan

Navient is horrible. They have been for 15 years. I have been paying and now my balance is more that twice what I borrowed. They've shifted me over to another servicer, but only after telling me I was in good standing in the middle of XXXX and also that there had been some deference of which I was not aware ( I had paid what they wanted in XXXX ). At the end of XXXX, Navient itself had reported that I owed almost XXXX XXXX DOLLARS. Obviously, that's not gon na happen, but after this I HAVE to report after 15 years and since I've been with Sallie Mae and they turned to Navient, I have not had a moments XXXX peace. I've had enough of every month wondering about how much interest they've played the math game with that they expect me to pay this month. It's UNREAL. I borrowed {$250000.00} ... paid on it for 15 years. NOW I owe these XXXX almost XXXX XXXX  XXXX ( {$470000.00} ). I had to keep working through he pandemic and had no relief. I called and two representatives at Navient told me that " we choose not to participate in the adminstration 's deferment of federal loans... .so as long as we're your servicer, you will keep paying the normal amount. We OBVIOUSLY didn't have the same amount of business ... ..so my commission was much under what I would normally make. Someone has to do something about this. I'm supposed to be on income based repayment ( again, almost $ XXXX makes NO sense WITHIN TWO WEEKS ; and this is on IBR ). No one can MOVE under this condition. Navient deserves to be PUT UNDER THE JAIL. I would love for the loan amount finish line to cease moving. And I absolutely do not want anyone paying my debts back. I want my debts to be fair and not something that sabotages and shades my and my family 's future. We truly believe because I just wanted to be a XXXX, our lives are completely committed to a loan company and I have no fruits of my labor ( my husband also ; he's a XXXX XXXX XXXX XXXX and a XXXX  also ). WHY do we have it worse than those who have NO motivation and discipline??? DO YOU WANT to dumb the population down?? Because if I could go back, I would have not EVER tried to be the best I could ever be and believe my parents and grandparents and what they really built me up with. I say all that to say that the XXXX XXXX XXXX XXXX XXXX is because of Navient and other company 's XXXX. All just trash. I will NEVER be out from it. Neither will my husband. We worked to XXXX HARD to make a LIFE. And we have NONE of it because of this absolutely asinine " business. " They will not get the XXXX  they want from each of us. Ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian are reporting incorrectly a balance of {$160.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account should be reporting a {$0.00} balance. I have also attached a copy of the letter dated XXXX from XXXX XXXX reflecting this account has in fact a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurate information. I have contacted the ( 2 )  bureaus to fix this however, I have not been successful.
Product: Debt collection

I first received a call from XXXX XXXX with Summit receivables phone number XXXX on XXXX on my employer 's phone at work. I asked that they do not contact me at work any further. She called me later that night on my cell phone and stated in her message that she had verification of employment and verification of income for a matter on XXXX XXXX, XXXX XXXX of residence, and made it seem as if legal action was being taken. On XXXX, I received a call on my cell phone with a message now stating that she will move forward with her audit to get verification of employment and income. On XXXX, my employer received a fax from summit receivables requesting my personal information to include my salary and other terms of my employment, which my employer did not fill out or return to them. On XXXX, my employer once again received a call from them asking to speak with me but I was unavailable at the time. I have yet to receive a verification of this debt from summit receivables as well.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

A couple of weeks ago, there was fraud on my account. Bank of America locked my online access and locked the funds. I have a new account now, and they won't unlock my online account. I have been trying for weeks, with hour long hold times to just be hung up on. At this point I have no money, no access to my funds, and it doesn't seem like Bank of America will do anything to help me get access to it again.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act convergent ( XXXX ) ( XXXX & XXXX ) 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

On XX/XX/XXXX, i received multiple calls and text messages from eastern account systems about a debt to spectrum/charter communications in the amount of XXXX, my last bill from spectrum was XXXX on XX/XX/XXXX. I got Eastern account systems off of my credit it report XXXX XX/XX/XXXX due to incorrect amount due And then Sunrise credit services Group picked up the debt and opened it on XX/XX/XXXX for spectrum for XXXX and it's received several calls and text messages from the company. Sunrise credit services Group was deleted off my credit reports XX/XX/XXXX. For incorrect amount owed to spectrum/charter communications.
Product: Student loan

I am a XXXX  employee currently on PSLF program. I will be with my employee over 10 years now during Covid and the pause I stayed in good standing. 
When Covid ended, and they introduced the safe plan I started to make payments. 
My account was accurate at this time. 
While everything going on was confusing, I printed all of my notes and every contact with customer service I kept getting placed in administrative forbearance. I was told my months would count, and that my borrowers defense was still in progress. And next time I called, I was told they werent counting and that I would need to do a buyback. 
I started working with the XXXX  XX/XX/XXXX and have not had a break an employment. I should be eligible for PSLF for forgiveness. 
I could list all the dates that I talk to people between MOHELA and student aid. 
XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX MOHELA never seemed to know the answer and just wanted me to make payments. 
During my last phone call, I believe the representative knew what she was talking about and she said she had no idea why my borrowers defense was still sitting there and not touched for over nine months. It shouldve been finished.
Product: Credit reporting

On XX/XX/XXXX, the XXXX XXXX XXXX company in XXXX XXXX, MO placed a collection on my credit report stating that I owe {$480.00} from XX/XX/XXXX. This company called me XXXX and when I asked for documentation about the collection, they decided to place this collection on my credit report without further notification.