23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

While enrolled as a full time college student I was suddenly struck by a vehicle as a pedestrian. 
Needless to say this caused me to withdraw from many of my courses for an extended period of time - to which I did report promptly to the governing body within the school in question concerning my need to forego a semester or two. 
The Withdrawal was misinterpreted by my institution, not as a medical necessity, but as a lack of appetite to attend & complete my degree. 
Ultimately this dispute was finally resolved within the Institution and the Medical Record, Police Record of the Actual Accident and so on were presented along with an appeal to reinstate my Academic Standing in good form. 

These proceedings did not, however, impact my Student Loan Status. As this entire process did take an extremely long time I was forced into default on the Loans. 

Now years have passed, & I have had Lien on my Tax returns each year to the tune of thousands of dollars. 

Thousands of dollars in payments towards these loans and no ability to gather any specific information about the apportionment of the monies collected to pay the loans. 

Finally I am able to receive some information after Legal Request. 

I am able to see in black and White the figures of these Thousands of Dollars of mine that have impacted this loan to no avail. 

Each payment has been deliberately been forwarded to pay interest and not one penny towards the loans Principle. 

I have more money to give these Loan Sharks - But I can not in good faith begin making any payments at reducing this loan to any degree now knowing that they are taking advantage of me to no end perpetually with not one penny towards the Principle of the Loan. 
As you may imagine, paying Interest Alone could go on forever to no end. 

This must be considered unscrupulous by anyone observing, How can an agency do something like this and escape prosecution is my question>? 

I need some help. I need some serious help on this. 

I have made every good faith effort in attempting to right this loan after having been horribly hurt in an automobile accident whereby I was a pedestrian deemed not at fault forcing me out of school temporarily. I am now needing to finish my degree, & Find that I can not due to this nonsense. 

I can see no rational path forward & only a gaping pit of despair concerning this Fraud that is occurring on my account. Please Help me restore my rights and put a permanent end to this. I have legal documentation as well as monies meant to be paid towards the loan that I will never remit now knowing that it refuses to pay principle balance. Please Advise. I need to have my account handled by an ethically bound governing body. 

I look forward to speaking with you soon.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Ct, XXXX XXXX ( XXXX ) XXXX LJ Ross Associates XXXX XXXX XXXX XXXX  XXXX Mi XXXX Account Number XXXX Subject : Debt Validation Request Under 15 USC 1692g To Whom It May Concern, I am writing to formally dispute and request validation of a debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692g, I request that you provide validation of the alleged debt, including but not limited to : Full accounting of the debt history including a detailed list of all payments made toward the alleged debt, the dates of each transaction, and the total amount remaining.

A copy of any signed agreement proving that I have agreed to pay this alleged debt, including my original signature on any contract. 
Proof of your legal right to collect including a complete chain of title from the original creditor to your agency.

Proof of any insurance claims filed related to this debt, including any payments received by the creditor from an insurance policy, third-party insurer, or any debt write-off.

Validation from the original creditor confirming the legitimacy of this debt and their authorization of your collection efforts.

Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information, and until such documentation is provided, you must cease any collection activity. Reporting unverifiable debt to credit bureaus is a violation of federal law.

If you can not validate the debt with the requested information, I demand that you immediately cease collection efforts and remove any related negative reporting from my credit report in compliance with 15 USC 1692g and the Fair Credit Reporting Act ( FCRA ).

Please respond to this request within 30 days from the date you receive this letter. Failure to provide proper validation will result in my filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for violations of my consumer rights.

I expect a written response mailed to my address listed above. Thank you for your cooperation in this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I purchased a XXXX XXXX XXXX   XXXX, on XX/XX/XXXX. 

I have made payments since XXXX, my payments are currently {$600.00} at a rate of 27 % and I owe approximately {$19000.00}. 

The problem is that I reviewed my credit report recently and noticed that Santander Consumer USA, started reporting my loan when I first purchased the vehicle and stopped reporting as of XX/XX/XXXX. 
Per the rules and regulations of the Fair Credit Reporting Act ( FCRA ), 15 USC 1681-1681y.

If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher. Im insisting that reporting be resumed on my account as well as back dated until last XX/XX/XXXX until XX/XX/XXXX. 

The failure to report my consumer account is very frustrating since Ive been attempting to use this account to rebuild my credit.
Product: Mortgage

1st Alliance Lending, LLC ( a Connecticut Limited Liability Company ) retained my notary closing services for FHA CASE : XXXX on XX/XX/2016, for borrower 's XXXX. 1st. Alliance retained XXXX, and said companies have failed to remit payment for notary closing services. The amount of {$95.00} remains unpaid. 1st Alliance as a regulated lender has a fiduciary duty to ensure their service vendors are compliant in their business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX  XXXX XXXX XXXX  customer since XXXX and during that time, I have one late payment on the above referenced account that date back to XXXX. Since that time I have been an exceptional customer paying every month on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back on XX/XX/XXXX an unknown entity attempted to open a line of credit under my name. I contacted XXXX XXXX  regarding this matter immediately and averted an issue. However XXXX XXXX  was reflected on my credit report via XXXX and Experian as a hard inquiry. XXXX stated they would resolve the matter, but it takes them 5 days to submit and the reporting agency up to 90s to resolve. 

Flash forward several months and no resolution, I called XXXX back on XX/XX/XXXX and they stated someone on there team neglected to finish the submission, again it will take 5 days for them plus an additional 90 days. XXXX at XXXX provided me the following reference number XXXX, on XX/XX/XXXX I received a letter from XXXX stating they addressed it with the Credit reporting agencies and again it would take 5 days for them to address and the Reporting agencies another 90 days, Flash forward XX/XX/XXXX and the matter is still unresolved. I called XXXX and they stated its the Agencies fault, I called both Agencies and they state it's chases issue. 

Reality I could care less who is at fault I just want it fixed, a year has passed and neither the bank or the agencies have resolved a problem that I have to clean up and the unfortunate recipient of Fraud. I am fairly certain there are laws to protect people like me from activities of this nature, as well as the negligence of the bank and agencies. 

As stated a year has come and gone, and the agencies and the bank are pointing fingers at each other and making empty promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and Equifax. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.
Product: Debt collection

This collection agency, XXXX XXXX XXXX, is a well-known scam collection agency. They put a negative on your credit claiming some unknown or unclear previous creditor with the hope that the innocent victim, meaning me, can get shook down to pay them some amount, so as to get it of their credit file. I have no idea what they are claiming that I owe them {$3500.00} for. It show on my credit that the original creditor was " Cash Store '', which I believe is a payday loan company. I have never applied for or received any amounts from any such places. I contacted this company and they can not provide any evidence, signed documents, or any details whatsoever as to what they are basing their claim on. This is just a SHAKE DOWN scam operation that should be prosecuted by the U.S. Government.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' These inquiries are currently being reported on my credit report Equifax is reporting only XXXX inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( A ) ( 1 ) states `` 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.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures as Equifax and XXXX are not reporting these inquiries but XXXX is reporting them and this is obviously inaccurate reporting and that is unlawful and damaging to me. 

Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of these reporting services.
Product: Credit reporting or other personal consumer reports

Experian Credit Bureau has failed to update the status of my account with XXXX. As of my recent Experian credit report pulled on XX/XX/XXXX, the status of the XXXX account is as follows : XXXX XXXX - Account charged off. {$630.00} written off. {$590.00} past due as of XXXX XXXX. 

Comments : Account closed at Consumer 's request and dispute investigation completed, consumer disagrees. 

Clearly, this information is inaccurate because I have paid XXXX a total of {$500.00} and I owe them a balance of {$130.00}. Experian has also decreased my XXXX XXXX by XXXX points and I am trying to repair my credit. 
Next, Experian Credit Bureau has 1 collection account listed on my credit report as XXXX XXXX XXXX with a balance of {$850.00}. They have listed this account as a collections account from XX/XX/XXXX- XX/XX/XXXX. Clearly, this information is wrong and inaccurate. I have been making my payments respectfully. The stipulation of settlement states I that I must pay the sum of {$1200.00}. Payable in monthly payments of {$25.00} barring no interest to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The balance that I owe is {$610.00} to satisfy this old debt. I want this inaccurate information deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Experian XXXX XXXX, XXXX XXXX, XXXX, Texas who refuses to let me file for a dispute on my credit cards. I have been in the hospital for a long time, and in rehabilitation, but my credit cards have been with me, but there are many things on my credit card I have not purchased like XXXX XXXX on a card I had to cancel, and other things as I have been too ill to be making massive purchases but the IRS said I was living in XXXX XXXX and had bank accounts I do not have but other people have been opening accounts in my name as well. 
I have had many false things coming into my computer by fraudulent people, and there is one that says they are XXXX as I have an XXXX computer that is not me as well. 
I would like this corrected on my credit account, as I have had to take legal loans on my present injury case. I had XXXX XXXX and now require XXXX  XXXX as well, but I am deluged from letters from this credit bureau and a scam that wants me to pay {$20.00} a month for a credit reporting agency which is false and unable to find the credit that others have taken in my name. I read on the internet that others have problems with this outfit as well. I live for free with eye x husband and roommate on personal loans on my case pending now and do not have a lighting bill which Experian requires or current ID but iffy do not pay rent and have the meter in your name you get no lighting bill.
Product: Payday loan, title loan, or personal loan

I get this email from a company called XXXX XXXX XXXX saying I have a loan due. 

I DO NOT have any loans or I have not applied for one. This number is not a working number. 

Email says : XXXX XXXX XXXX XXXX Your payment is due soon - we look forward to seeing you Hi XXXX, This is a quick reminder that your payment is almost due. We look forward to seeing you on XX/XX/18 to make a payment of {$550.00} on your current loan. 

For additional payment options, call your XXXX XXXX XXXX  Store at XXXX and we would be happy to discuss them with you. Did you know that check cashing, XXXX, and XXXX XXXX services may also be available in your state? Ask about these services on your next visit. 


Thanks for choosing XXXX  XXXX XXXX - we appreciate your business.
Product: Checking or savings account

I received a business debit card in the mail Thursday, XX/XX/XXXX from Square. I was informed that a checking account may be opened in my name as well. The fraudsters used all of my information except my email address. I have been contacting Square to close the account and receive an update on the status of the account as well as if any funds spent would affect me. I'm being told they can not verify who I am, even after I offered to fax my drivers license, and due to this they will not provide me any information.
Product: Checking or savings account

I recently received XXXX  XXXX XXXX and opened a bank account with Capital One a few days ago. My son made three  deposits into my account through XXXX ( {$1.00}, {$500.00}, and {$500.00} ). Shortly after, I received an email stating that my account had been restricted, and I was unable to withdraw any money. 

I contacted customer service to resolve the issue, but they informed me that I would need to visit a nearby branch to unlock the account. The problem is that there are no Capital One branches nearby in North Carolinathe closest one is in XXXX, which is at least a three-hour drive from me. Despite explaining this, they did not provide any alternative solutions to unlock my account. 

This feels like a trap. They encouraged me to open an account, only to freeze it without a valid reason, and now they're asking me to drive several hours to resolve the situation. This is completely unreasonable and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed there is an inaccurate item listed on my report. The inaccurate item is listed below : XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX Unsecured Loan Transferred/Closed I did not authorize this company to create an account or apply for any credit utilizing my name. This is a violation of the Fair Credit Reporting Act Section C168B and a serious breach of my privacy right. I formally request that this fraudulent account be immediately removed from my credit profile.
Product: Mortgage

I have a XXXX mortgage from Sun West Mortgage Company. After the repairs were completed, Sun West Mortgage Company sent me my monthly statement XX/XX/XXXX for my upcoming XXXX 2016 mortgage payment. The statement showed the unused funds were applied to my bill and I still will have a remaining credit for about half a month worth of mortgage. The statement clearly indicated under please pay amount that it was a negative ( credit ) amount. Because of that monthly statement, I rearrange my finances to cover things I normally did not have room in my budget. On XXXX XXXX, 2016 Sun West Mortgage sent me an email saying I did not make mortgage payment before the end of the grace period ( XXXX XXXX ). I contacted Sun West and they stated it does not matter what they sent to me and pay my bill. They refuse to admit fault. They bombarded me with a lot of phone calls and had someone visit my home twice to instruct me to pay. Sun West stated that the credit is correct, but they applied it to principle. This may or may not be standard practice, but the monthly statement did not reflect that. I find Sun West practices to be misleading, inappropriate, harassing, and intimidating. Still, no one has apologize to me for the mix up. 

Best Regards, XXXX XXXX XXXXXXXXXXXX loan # XXXX
Product: Debt collection

That trying to collect a debt that is already paid by my insurance XXXX and I even pay the difference of XXXX $ on XX/XX/year> company attach with this complains are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  used to be a Philadelphia based bank, now it is owned by an international parent. The bank has this month filed a delinquency on my credit report despite I havent done any business with them for many years. I dont know what I have to do to deal with this hostile international institution that took over my Philadelphia bank and I stopped doing any business with for years. Isnt it enough for me to stop doing business with this foreign corporate raider that took over my friendly bank and fired the staff with whom I had decades-long relationships? Now years later I see they are attacking me on my credit report for no reason with a delinquent account report? I have not done any business with them for years ; they are predatory.
Product: Student loan

I enrolled in a rate reduction plan in which my payments were supposed to be approximately {$500.00} for 6 months. It was not explained to me that on the 6th month there would be a balloon payment of {$1000.00}. I only found this out once I was charged ( prior to the 6th month ) and I called to complain on XX/XX/XXXX and request a refund. I was told the refund would be received within 3-5 business days. That time frame passed and then I was told 5-7 business days. Today is XX/XX/XXXX and I am now being told customer service doesnt know why I havent received the refund and they cant tell me when I will receive it.
Product: Credit reporting, credit repair services, or other personal consumer reports

according to the XXXX15usc1681 section, 602h is hurting my credit file please remove the following items tomorrow and main # XXXX
Product: Credit card

I went to best buy to buy a new phone. The employee told me I could finance for XXXX XXXX interest or could purchase it outright and get XXXX XXXX back. I asked if XXXX XXXX back was store credit. He said yes. He then said I had to put in information to approve me for the phone. I asked if it was a credit application and he said no. I put my information in and the application got blocked. He asked if I had a freeze and I said yes and asked if I should unfreeze them. I asked again if it was a soft pull and he said 'yes, its not a hard credit pull '. I unfroze my credit, redid the application, then was informed I got approved for a credit card and the XXXX XXXX back is cash back only on the credit card. I did not give informed consent or any consent at all to apply for a credit card, and I was told explicitly that the application was not for a credit card - rather to approve me for the phone.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called & mailed letters to Equifax XXXX XXXX about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.