23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called into the agency and received incorrect information in regards to the dates the payments were received. In addition, the agency also reported and verified incorrect information was factual. 
They reported a payment was made XX/XX/2023. It was made XX/XX/2023.. They reported the date of the last payment on the account was XX/XX/2023. There were payments made on the account electronically that posted XX/XX/2023, XX/XX/2023 and XX/XX/2023 electronically and were posted to the account. AES reported to the credit bureau that the last payment received was XX/XX/2023 on XX/XX/2023 in response to the dispute I submitted to the credit reporting agency. 
As of XX/XX/2023 the account was not past due {$290.00} as of XX/XX/2023 which was confirmed by AES on on XX/XX/2023 verbally. In addition the attached payment history which was screenshot from my AES account show the payments were received and posted to the account. 
I requested information on the total loan payments I made over the life of the loan. I was told they could only provide me information on the total payments to AES. I think also I informed them that I was placed on a forbearance while I was making payments. 

I requested a copy of the MPN with terms of agreement so that I could see the what the total number of payments I was required to make. 
I was only sent the signature page of the MPN without the terms of the payment agreement. 

Without the total of payments made and the total payments required over the life of the loan then I am not able to make an informed decisions about President Biden 's new Student loan repayment plan SAVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. They were supposed to notify me of this in writing 5 days prior, & I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal student loans borrowers defense application was approved 100 %, credit report shows new loan XXXX nelnet and double amount when everything should be canceled XXXX XXXX  misled me and it affected my credit and family. See attached. 
Also this has affected my credit for years and interest was accrued which affected my approval chances. Now that my loans are being waived compensation for damages need to be looked into.
Product: Credit reporting or other personal consumer reports

CREDIT CONTROL CORPORATION has been reporting an account that I, the Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay. I am writing to address the matter of the debt associated with my account. I am the beneficiary of the XXXX XXXX XXXX XXXX XXXX, and repaying this debt is not beneficial based on a careful consideration of various factors. Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged debt would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now let 's look at the word credit which means trust. Now let 's look at the word report which means property. My credit report is my trust report which is my property and estate. Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged debt, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged debt associated with my account in light of the trust relationship and equitable considerations. Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. It's three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. Thank you for your understanding and cooperation.
Product: Debt collection

Experian, XXXX, XXXX is reporting a fraudulent account. I file a report with identity theft .gov. Report number XXXX and XXXX EXXXX XXXX XXXX  {$450.00} date opened XXXX XXXX
Product: Student loan

Pulled directly from Great Lakes Borrower Services Website : How Payments Are Applied " However, when it comes to extra payment amounts ( see examples below ), after all interest and late fees due have been satisfied, we automatically apply the extra amount to the unpaid balance on the loan with the highest interest rate ( if there are multiple loans in your account ). If you do n't want the extra payment amount to be applied this way, contact us. If you, instead, want an extra payment amount to be applied to a specific loan, you must provide us with the loan 's account number and interest rate. '' I was a XXXX major and currently work for XXXX XXXX. I state this so that my concern may be taken a bit more seriously as I 'm sure you receive unmerited complaints all the time. Their are multiple issues at play here, but I will start with what I assume to be the most common. I am currently in repayment on XXXX loans with this lender ( technically it 's XXXX XXXX XXXX ), XXXX has a 8 % interest rate and the other 8.375 %. I have all of my amortized interest paid and so only pay monthly accrued interest. I overpay each month in order to further deplete the principal balance. As the quote states above all extra payments will be applied to the higher rated loan. THIS IS NOT TRUE. I have been informed by multiple service representatives that I need to continuously call in to request that my over payments be allocated the way that I prefer and that if I do not than they will be applied proportionally to each loan. XXXX off that is not how it should be because the borrower is at a loss in this case. XXXX that is not how they advertise on their site which is fraudulent as well. I have been happy that they are willing to prorate my payments and make the adjustments that I prefer, but I ca n't imagine many graduates thinking this way nor looking into it. Please Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXC Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have been calling Ally Bank, at number XXXX, after I enter my Account #, Ally Bank message is we do not have a agent available to take your call, I get this responds every time I contact them by phone ... I would like for them to send be the title so that I can register the vehicle in my name, and XXXX XXXX  as the lienholder..my current registration expires in a month so I need the title before it expires... Also XXXX XXXX  keeps sending me emails asking ifI have registered the vehicle..
Product: Debt collection

I started attending XXXX College in XX/XX/XXXX. I was out of school from XX/XX/XXXX to XX/XX/XXXX. I get a private school loan from XXXX  XXXX XXXX in XX/XX/XXXX. Because I was out of school for more than 6 months grace period, I defaulted on my loan. I was also out of school XX/XX/XXXX to XX/XX/XXXX. I was then in school from XX/XX/XXXX to XX/XX/XXXX. XXXX made a false claim that I made three {$600.00} payments and closed my account in XX/XX/XXXX. I never made any payments because I was still in school. ( XXXX XXXX XXXX ). According to CA law where the document was signed XXXX starts from the FIRST default and has 4 years to sue. That takes the time line to XX/XX/XXXX was when the XXXX expired. XXXX broke the law and manipulated payments and sold the debt to XXXX XXXX XXXX and now XXXX XXXX XXXX   are suing me through Qualey Law Firm in XXXX XXXX. Just to Recap, XXXX lied about payment dates to sell an expired loan to XXXX XXXX   XXXX. XXXX has been sued many times and lost due to fraud. They even changed their name to XXXX. XXXX will not provide me with my bank name or bank account info..
Product: Vehicle loan or lease

I was told by the representative at the executive office for JP MORGAN that I would receive a call back regarding the outcome of the dispute. I've called multiple times over the last week. The car in question was due to be sold on XX/XX/23 per the written correspondence I received. I did not receive a call before that date or after. I called today only to get a voicemail. After I left the voice mail she finally called me back. When I spoke to the representative, she stated that the investigation is complete and the outcome still has not changed. I asked her well what happened to the vehicle because it was due to be sold at the end of XXXX. She stated that they extended the date to XX/XX/23 but I was never notified as the consumer of the extension by written correspondence or verbal. She then informed me that she will type up a written letter to post in response to my complaint. I asked her why wasnt I notified about the extension because when I last spoke to her, I told her that I had a new financial institution ready to purchase the vehicle. She stated that she wasnt aware of that and she only remembers that our previous financing fell through. She could not recall the conversation about me mentioning the new lender to her at all. She then proceeded to say that she submitted her letter and it should post by tomorrow on the CFPB website. Im pretty sure they sold the vehicle without resolving this issue and complaint with me after multiple attempts to alert them of the damages of constantly call, reaching out, and reporting the false information the continue to tell me via the phone.
Product: Debt collection

XXXX XXXX XXXX took control of property XXXX XXXX XXXX XXXX WA XXXX on XX/XX/2014. The assumption that XXXX XXXX was the management company and the owner XXXX/XXXX XXXX XXXX was false. They barely negotiated a new lease for me, when the other company went and disappeared. Inside of one year later they were building a case, to file a eviction lawsuit against me. By the way I have no eviction record ever in any state that I lived in. I was having problem paying the rent because I was in graduate school which they encouraged residents on campus by waiving the application fee and the security deposit. I was also an employee of the University  of XXXX  XXXX until the same month of the eviction lawsuit and I got fired. I was XXXX years old when the new lease began. At any rate, my complaint consists of discrimination due to XXXX placard on my car, age discrimination as well as race, I am XXXX XXXX. XXXX XXXX XXXX proudly dragged me through court for XXXX of which they literally would not take when I offered it to them in a money order. I had to deposit it in my bank account which I can prove. The judge awareded them XXXX plus attorneys fees that's all and they have XXXX and XXXX combined on my credit report. I have never spoken with anyone at the agency that I recall. I have seem numerous complaints about them from the XXXX. I am offering this complaint as blatant and unbelievable that it is. I have been homeless for 3 years due to this and I am now XXXX years old. This is shameful to do for XXXX dollars which they would not take.
Product: Consumer Loan

I received a letter from ALLY Financial regarding an auto lease that I am currently in. They are threatening legal action on an account that is not behind in it 's payments. They are trying to collect " late '' fees that have been erroronously charged to my account because I pay my payments bi-monthly. I have spoken to them NUMEROUS times regarding the fees that they are charging me and each time I speak to them they assure me that they are going to reverse the fees, and they still have not. It 's been two years now. I have approximately XXXX payments left on my lease, and they have just sent a letter titled " Notice of Right to Cure Default '' threatening LEGAL action if I do n't pay the random amount of {$1300.00} they have noted on the letter. When I sign on to my on-line account with them this figure is n't listed anywhere, and also shows that my account is CURRENT in payments. This letter alos threatens that if I do not pay this random amount they have on this letter that I wo n't be able to continue my lease with them. Again, My lease will be complete XXXX XXXX. I spoke to an individual this morning by the name of XXXX that told me it 's " nothing personal '' and because of the state I live in they had to send the letter because my account was 60 days late????? Again, my account is NOT 60 days late, never has been and reflects that on my on-line account. This is just another example of predatory lenders that prey on individuals by charging inappropriate fees and lack in Customer Service.
Product: Credit card or prepaid card

my capital one card were used with out me knowing in the amount of XXXX $ on one card and XXXX $ one on the other card
Product: Debt collection

I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by National Credit Systems. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections. 

I want to make it clear that I have not granted National Credit Systems authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness. 

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report. 

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ). 2. Provide sufficient a
nd documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report. 

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others. 

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Believe that money is being stolen from bank account and has been for many years. Repeatedly contacting bank about this. Reps are always acting like the info they have is correct. ATM shows one amount and with no withdrawls and numerous deposits, amounts are not adding up. Bank continues to say what info is available to them on the screen, and wont sincerely address the issue. Even receipts that I have from the ATM machine dont match the statements the bank sends to me. 

Will be contacting attorneys to research this as well. This has been going on for well over 10 years and I feel that the bank knows I am correct, but will not admit it. 

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Product: Debt collection

I received on my credit report a collection for XXXX XXXX. I called the collection agency numerous times to tell them this debt was paid. They keep saying it was n't and send me all my XXXX XXXX bills. This account was paid when I was gong to put XXXX in my home and XXXX XXXX told me I had to take care of this bill before I can get XXXX in my home. So I agreed to have two bills one for XXXX and the other to pay the XXXX XXXX bill off. I finished paying this bill off a long time ago. They refuse to take this off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint against Equifax for their failure to provide documented proof of late payments on XXXX XXXX XXXX  Account Number : XXXX that was inaccurately reported. Despite multiple requests ( five times ), Equifax has continued to claim that the creditor has verified the information as accurate without providing any supporting documentation. This has led to ongoing inaccuracies on my credit report, causing financial harm and distress. XXXX XXXX XXXX XXXX constantly reports to Equifax that I had a late payment on XXXX, XXXX. I Have never made a late payment to this company. I would like documented proof of this late payment, If documented proof can not be provided to ME via email or mail I would like this account updated to " Paid As Agreed '' or removed from my account. 

Timeline of Events XX/XX/XXXX : Initial dispute submitted to Equifax regarding inaccurate account information XX/XX/XXXX : Equifax responded, stating the creditor verified the information as accurate, but no documentation was provided Desired Resolution I demand an escalation of this matter and request that Equifax provide the following : 1. Immediate removal of the inaccurate information from my credit report 2. Documentation proving late payments, as claimed by Equifax and the creditor 3. A formal investigation into Equifax 's handling of my dispute and their failure to provide supporting documentation 4. Compensation for the financial harm and distress caused by Equifax 's actions Additional Information I have attached supporting documentation, including [ list attached documents, e.g., credit reports, dispute letters, responses from Equifax ]. I believe Equifax has violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate information and documentation, and I request that the CFPB take appropriate action to address these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXXHWARFIELD ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

I applied for a Capital One Savor Card. My Credit was pulled the next day. A week later I received a piece of mail from Capital One asking that I snail mail them a copy of my social security CARD, Individual Taxpayer Identification Number, and my Government Issued Photo ID - no information can be redacted. 

I am very upset that they pulled my credit, which dropped my score 5 points with a hard pull, and then asked me to verify my identity. If I had known they were going to request additional information to qualify for the card before I applied, I would have passed. 

I am now in a predicament that CapitalOne had the nerve to pull my credit, and then ask me to verify who I am. My credit should have NEVER been pulled if they were not 100 % sure I was the one to request the card. The process should be that they are absolutely sure of my identity, request documentation, and allow ME to decide if I want to continue with this application before they degrade my credit score. 

Application -> Verify Identity -> Pull Credit ; it should NOT be Application -> Pull Credit to verify it is worth pursuing -> and then request that I verify my identity.
Product: Student loan

During the student loan pause my government student loan was sold to Aidvantage. The information on my account is inaccurate it the loans are for a school that I attended in the XXXX XXXX and only went there three months. XXXX XXXX XXXX was closed due to fraud. I attended two schools online XXXX XXXX and then XXXX XXXX I recently found out these schools were involved in deceptive business practices fraud. The balance that I owe is incorrect the loan was for XXXX XXXX I never received any student loan checks at all. The Pell grants you don't have to pay back this balance is outrageous they have that I owe {$41000.00} for two loans together. It is hard to get in touch with this company. I did a repayment plan before pause and it ends XX/XX/. I wanted to apply for the SAVE program to see if my payment could me lower or no payments.
Product: Debt collection

Portfolio Recovery Associates Llc is trying to sue me for a debt which I do not have proof I owe and they are not licensed in my state ( Arkansas ) to sue for this debt.