23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My student loans have been through Navient for a while now. I have 2 loans, one is from subsidized and one is from unsubsidized monies from school. 

balances, each at 6.750 % interest : loan 1 = {$5000.00} ( is pay off amount ) loan 2 = {$6200.00} Yesterday I went online and clicked payoff for loan # 1. I then made sure in the screen that allows you to direct your payment allocation that the full {$5000.00} is being applied to that one loan. So the full loan ( number 1 ) is paid in full. So now I should only have that one remaining loan to pay, with one interest rate. 

I go online today to make sure everything is processed correctly since the email just states my payment was applied. No, it was not. So the history on my account shows that I applied the full amount to one loan. BUT now  they have taken the remaining {$6200.00} loan and split it into two loans again ... each having their own interest rate again! 

So now online it says I have ( both with 6.750 % interest again ) : loan 1 = {$2800.00} loan 2 = {$3400.00} This is wrong!! So I called and the representative said I applied the payment to both loans. No ... even online, while looking right at it while on the phone with him, it shows I applied it all to ONE LOAN. So I proved him wrong there. So I said, so on my online view and the front end everything was applied right and now you guys split the remaining balance in two loans again? SO you're wrong on the back end somehow that does not show on my account? He kept wanting to argue that I applied it wrong when i didn't. I asked how they are allowed to split a remaining balance into two loans ... or even yet ... would they then split it into three loans if they want to? I want to also be repaid for the interest being charged on two loans when I only have ONE remaining. 

So he said he was going to submit the request to have it put back to one loan and I will have to check in 5-7 days if this is fixed. My question is, shouldn't this be seen as illegal somehow? How can they turn one loan into two and apply interest to both like that? How many people do they do this to that don't even realize it and are paying more in interest than they should be? Now I wonder if any of my payments were applied correctly in the past as well?! I have always paid on time ( for 12 years now on time! ) and for the last handful of years I have been making double payments. This now makes me very nervous to think I have paid more than I was suppose to and they have somehow applied it differently on the back end to where people can't see it when they log into their accounts. Very skeptical on this now and think something should be done about it. It hasn't been the 5-7 days for them to fix it yet ... but I just have a bad feeling this is not going to be remedied correctly.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/year>2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX **** XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX  XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax. They refuse to talk to me, but one month ago, in XXXX of XXXX I had my free annual credit report from Equifax which shows no judgments on my record. Today I was notified by the manager of an apartment building I was anticipating moving into that there is a judgment against me on my Equifax credit report. Today is XXXX XXXX, XXXX. The manager stated it was with XXXX XXXX XXXX in New Mexico. 

Sometime in XXXX or XXXX, there had been a judgment placed against me by XXXX XXXX in XXXX County, New Mexico. The judgment was placed in error, it should have been placed against the owner of the mobile home. When XXXX XXXX perceived their error, they removed the judgment, less than one month later. Today, after speaking with the apt manager, I contacted XXXX County Records and they confirmed there is no judgment standing against me. 

I then called Equifax, and answered all their identity questions. There were very detailed questions about my credit, but since I had my recent credit report in front of me, I read them the details off their own credit report. They told me the informative I gave did not match their records, and that they could not speak with me. 

I then tried to place a dispute online with Equifax. I answered their security questions and was again told the information did not match. 

They did ask me about " Do you have this or that credit card '' and since I have no credit cards, I said no to all. They asked if I had a mortgage or car loan, and I don't, so I said no. They asked about my student loan, I said yes, and gave the provider. My name, address, age and social security number haven't changed. But after being on the phone for over two hours talking with multiple people and constantly being told I am not me, and then having the computer tell me I am not me, how am I ever going to get them to correct this problem? They won't talk to me! They must have incorrect information, but I am at a loss. I was reading to them off my credit report issued by them which was only one month old. 

Bottom line is, I am living in a city where the weather stays below zero for several months a year, and the place I am living in had the heating system go out. Space heaters are vastly inadequate. I have to move, or risk illness or even death. But I can't move because they are giving potential new landlords incorrect information. And I can't get it corrected because they won't talk to me. 

This problem has a very sensitive time line on it. They won't hold the apartment for me indefinitely. 

Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company is reporting a collection account from 2006 - this account should not be reflecting on my credit report since it has been well over the amount of time allowed to be on my report. I sent a letter to the creditor requesting information and to the bureaus and have not received a response.
Product: Debt collection

At the date of XXXX XXXX, 2024 i recieved a letter from you that im in debt against XXXX, that i didnt paid my bill for amount of {$270.00}. I was in USA for XXXX XXXX, so i'm not actually there rn, i came back on XXXX of XXXX. I canceled my plan on XXXX of XXXX which will be included in attachment as a photo. Unfortunately whenever i try to log-in into XXXX application to prove it better even needed to set up a VPN, because im from XXXX XXXX, it tells me, that the phone number doesn't even exist and that im not able to check anything there.
Product: Debt collection

XX/XX/2019 XXXX XXXX of Midland Credit Management called me at work. I instructed him not to call me at work and to instead contact me by email. 

XX/XX/2019 XXXX XXXX of Midland Credit Management called me at work again. Rather than leave a voicemail, he left a message with a coworker. 

I have not received any correspondence from XXXX XXXX or Midland Credit Management via postal mail.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my ongoing frustration and disappointment with the persistent issue of late open accounts associated with my account, despite my prior attempts to address and rectify this matter. 

I previously communicated my concerns, outlining the numerous attempts I had made to resolve the late open account issue. Regrettably, the matter has not been adequately addressed, and the problem persists, causing considerable inconvenience. 

I would like to recap the previous attempts made to rectify the situation : Initiated contact with your customer service department to inquire about and address the late open account. 

Follow-up communication with customer service after the initial inquiry did not yield a satisfactory resolution. 

Submitted written documentation and supporting evidence to demonstrate the discrepancy in the open account. 

Escalated the matter to a supervisor or manager within your organization, seeking a more authoritative intervention. 

Despite these efforts, the late open account issue continues to persist, and it is disheartening to note that my concerns have not been adequately addressed. This situation has not only impacted my trust in your company but has also affected my financial stability and overall satisfaction as a customer. 

I understand that issues may arise, but the lack of resolution and communication regarding this matter is unacceptable. I kindly request your immediate attention to this ongoing problem, with a commitment to resolving the late open account issue promptly. 

I expect a thorough investigation into the root cause of this problem and a comprehensive response outlining the steps your company will take to rectify the situation. Additionally, I request transparent communication regarding the timeframe within which I can expect a resolution. 

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may be compelled to explore alternative avenues to seek redress. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TFS, and showed them on their online portal that my loan was paid in full for the Month they claimed I was 30 days late, I 've been paying this loan off faster then the amortization schedule is set for this loan. So needless to say it would be impossible for me to be late. On TFS internal  system is says they received a payment for the month in question, however, they did not do anything to correct this on my credit score. I then set up an investigation with the credit reporting agency, the conclusion of the investigation resulted in an " update '' however they did not update anything. I was not late on this account and this late payment is heavily impacting my credit and the ability to get refinancing for my student loans which are crushing me financially. My monthly payment is XXXX dollars I 've been making payments of over 1500 dollars a month.
Product: Debt collection

Usc article 9 part 6 In accordance with the Fair credit reporting act has violated my rights 15 usc 1681 section 602 A states I have the right to privacy.

15 usc 1681 section 604 a section 2 states a consumer reporting agency can not furnish a account without my written instruction.
Product: Debt collection

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 The listed information is not relating to any transaction by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXXXXXX XXXXXXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I'm am submitting this report regarding a company called Interstate Recovery Service ( http : //www.interstaters.com/home.html ). While I was in college approximately five years ago, I received a phone call from a man offering a sports magazine subsciption complete with a sweepstake and a giftcard. As a student on loans and a minimal budget, the idea of a giftcard appealed to me and I gullibly said " sure '', after confirming that I could cancel the subscription at any time. I believe I actually received one or two magazines, but nothing else happened ( I never received the promised giftcard ). Eventually, I called back asking to cancel the subscription, which the operator refused to do. After repeated attempts to cancel, and after the " magazine company '' withdrew ~ {$150.00} from my bank account, I canceled my card and ordered a new one from my bank. I did not receive anything else. 

Fast forward to 2020. I've been blocking/ignoring most 800 calls, but answered a call from XXXX on XX/XX/2020. The man on the line claimed to be from Interstate Recovery Service and said I owed his company ~ {$560.00} for a magazine subscription I had been receiving at my school address ( I graduated several years ago and certainly did not receive the subscription that I repeatedly called to cancel before changing by debit card ). I told him that I did not receive the subscription or the promised offer, and that I had to cancel my card to end the unauthorized withdrawals. He became increasingly aggressive toward me, saying he could play a recording of my voice consenting to the subscription, which he did not actually do. When my wife got on the line and stated she doubted the validity of his claims given the number of consumer complaints we both found after briefly researching the company, he became even more aggressive and accusatory. When she mentioned the CFPB, he said he had no clue what she was talking about and finally hung up the phone on us. 

We did some more research and found many instances of people with the same problem. One news story ( https : XXXX ) mentioned XXXX XXXX XXXX as the alleged magazine company that Interstate Recovery Service was calling on behalf of. We reached out to XXXX XXXX XXXX, and an employee ( XXXX ) stated that Interstate 's demand could not be valid and that the company distributes to stores and does not target individuals. 

Interstate Recovery Service and/or its affiliates appear to be scamming people by promising offers and refusing to fulfill them, then continuing to withdraw money from people 's accounts and refusing to cancel " subscriptions, '' then sending them to this aggressive collection agency that is making bogus demands. Other complainants stated that they never consented to receive a magazine subscription. 

Here is the contact information listed on Interstate Recovery Services website : XXXX XXXX XXXX XXXX  XXXX VA XXXX US ( XXXX ) XXXX XXXX XXXX
Product: Credit card

I have a CITI credit card since XX/XX/2024. On XX/XX/XXXX fraudulent charges were placed on my credit card like XXXX different charges made on the same day. I never received a text message or phone call from them only one email asking me if I did one charge. I did call them immediately and I was on hold for like 1 hour disputing transactions. After 2 weeks I got message on my account saying that I was responsible for some of the charges even though I did not do cause they were from the website from foreign countries such as XXXX XXXX XXXX. The rest of the charges were reversed by the merchant so basically my credit card company never reversed anything. I stoped using my card I still received charges and I cancelled two credit cards in order to stop the fraud it still continues on my new card. I keep calling their customer service even they put on account supervisor still up to date my problem hasnt been resolved and to top it of their back office is on XXXX  and their customer service has a very heavy accent I dont understand anything what are they saying and they are very rude to me I even try to bring another family member to try to speak with them and they said the same thing they dont understand them when they talk over the phone. Im ready to go file a police report or go over to the news station to try to resolve this mess that is called CITI credit card.
Product: Debt collection

I cancelled my account with XXXX XXXX XXXX and I pod everything I was told by the XXXX XXXX XXXX reps. ( I have this in writing ) The {$460.00} should have been removed. XXXX XXXX XXXX never send a final bill, I dealt with this issue with XXXX XXXX XXXX for months, this needs to be removed, I paid the part I was told I that I owed by the rep. I have never paid late or missed a payment with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently checked my XXXX and Equifax XXXX XXXX and saw XXXX fraudulent hard inquiries on my credit reports. I have asked the bureaus to immediately remove all these fraudulent credit card accounts from my XXXX XXXX. I need the following hard inquiries deleted and removed immediately : XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please provide me proof of original signatures, if you can not, please immediately delete and remove this hard inquiries from my credit reports. I've unfortunately been a victim of Identity Theft, and want my credit reports to reflect legal and truthful information only.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPBs findings indicate that zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

As per 15usc 1611 XXXX TransUnion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. XXXX XXXXXXXX XXXX XXXXXXXX. Cc Federal Trade Commission. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contact Infiniti FIN SVCS several times about this account reporting on my credit report that doesn't belong to me and I have proof with certified receipts. I demand that this fraudulent account is removed immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is the company that sends me statements and takes my mortgage payments every months. over 12 months have went by and they are not reporting to any of the credit companies. 


I have called them multiple times and its not still reporting. 
They took over my mortgage loan in XXXXXX/XX/2022
Product: Credit reporting or other personal consumer reports

4 months ago I order few items from this company call affirm the payment method was monthly instalment I provided my debit card so the can take the payment out Till one month later I received notice from XXXX was and updated on my credit report I log on and I see a XXXX points drop which I was shocked I call the company affirm and I ask what happened they said they could take the payment out of my card and I said why u don't call me or email me they don't answer me so I pay of the balance and they supposed to correct my report but the never did
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple times to Experian to remove multiple accounts and unauthorized inquires that are not mine to my knowledge and a result of fraud. I've sent debt validation nothing was validate. When disputed with Experian it was confirm valid but no proof was shown. Ive faxed and mailed out via certified mail a FTC report and also a police report and Experian failed to follow suit as other credit reporting agency has done so. I need 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 removed from my credit report or send debt validation of these accounts with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on XXXX, equifax and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, 60 days XX/XX/XXXX, 30 days XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thou