23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was sent a delinquency notice for a student loan that I co-signed. The American Education Services raised the monthly amount without notification by phone or letter. When I called the company I was transferred 4 times to a different customer service representative. When I asked to speak with a supervisor I was told there was no supervisor available. During the 4 conversations I was told two different dates as to when the monthly amount was changed. One representative stated it was in XXXX of 2017 and another stated it was in XXXX of 2017. I asked the representatives why I was not notified by mail or by phone of the change and one representative answered and said they did not have to notify me because I was only the co-signer and that I would only receive a notification when the loan was delinquent. When I received the delinquency notices there was no mention of the monthly amount being changed. 

American Educational Services also has harassed me for information regarding the other borrower on the loan by calling me in the middle of the night around XXXX - XXXX in the XXXX. They have also contacted family members in the past and have spoken about loan information with other family members who were not on the loan. 
The practices and tactics they have need to be reviewed and investigated as it seems to me is illegal.
Product: Credit reporting or other personal consumer reports

I filed a report with XXXX, Equifax, and XXXX of in accurate information being reported. I reached out to the companies I furnished all documentation needed. Third parties companies are still putting in accurate information back on my credit report.
Product: Credit reporting or other personal consumer reports

P & B CAPITAL GROUP LLC ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information P & B CAPITAL GROUP has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent. 

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy P & B CAPITAL GROUP did not clearly and conspicuously provide the disclosure forms.
Product: Mortgage

I have applied for a HARP refinance of my condo with my current lender. Although I am HARP eligible, but they are indicating that my flood insurance policy is not sufficient despite it being in excess of XXXX. They are further indicating that my only option is to get increased coverage up to {>= $1,000,000}, which is not only implausible, but absurd. This also does not make logical sense to me as Wells Fargo currently owns my loan and my flood insurance is sufficient for that loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit Reporting act XXXX  account XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy. 

15 U.S.C 1681 Section 604 section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

IVE Recently checked my credit report and noticed some inaccurate accounts reporting..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

There are discrepancies on my student loans : personal information that are false or somehow got linked with the wrong accoun t ( s ) . Loans that I have no recollection of nor authorized. Loans that have been accrued over twenty plus years and should be reduced or qualified for a loan forgiveness program because of my   XXXX   XXXX   XXXX   XXXX   who worked for   XXXX   XXXX   XXXX   for over a decade. Loans that are in the repayment process and or under forbearance due to financial hardship should not have had such a negative impact on my credit score to a point that it has hindered my ability to qualify for different services.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I met with Detective XXXX XXXX, at the criminal Investigation Division of the XXXX XXXX XXXX  Police Department, wishing to report the theft of a XXXX XXXX that she mailed using USPS.

The Money Order is now deposit on a bank account at JP MORGAN CHASE. 
RT # XXXX. 

I have a copy of the deposited image of the XXXX XXXX and it was clearly altered by the client making the deposit. The name on the money order now is XXXX XXXX with my name still printed on the document. 

I would like to get my money back as soon as possible, since this person stole the XXXX XXXX from a USPS mail box and altered the document, making this case a FRAUD AND STOLEN money order case.
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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$640.00} ; XXXX  XXXX Balance : {$1600.00} ; XXXX  XXXX Balance : {$190.00}
Product: Credit reporting or other personal consumer reports

I would like everything removed from my credit report. My credit has been compromised do to a data breach
Product: Credit reporting 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 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX 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 XXXX 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: Debt collection

I am writing to call into question a judgment that was filed by the plaintiff XXXX XXXX. Docket number XXXX. This was filed back in late XXXX. Below I will try to outline the situation in order to keep this concise and to the point as I know. 
- In late XXXX, my wife and I extended our lease 20 days on a month to month in order to close on a home purchase. Original rent was {$1100.00}, they charged me {$3800.00} to extend 20 days. I believe last day would be XXXX XXXX, XXXX - Explained to them that I could not pay such a high price for the extra days and asked about paying the original {$1200.00} rent and making a payment plan to pay the remaining balance but they refused to take anything but the {$3800.00} in full. 
- They explained to me that they would have to go ahead and file for eviction but not to worry because eviction date would be after we had already moved out. 
- My wife and I have always paid rent on time so this was all new to us. They instructed me to not bother going to court because if we did not have full {$3800.00}, the judge would rule in their favor. 
- Misjudging that they were acting in everyone 's best interest I missed the court date and in doing so they filed judgment. I set up payment plan to pay amount within a few months ( paid {$600.00} ). 
- Home purchase fell through and was left with a negative collection on my credit report. No longer approved by lender. Could not find an apartment who would rent to us leaving me and my children homeless. Stopped making payments to XXXX and saved for large deposit. 
- Moved in to second chance apartments in order to clean up credit in XXXX of XXXX. 
- After 2 years of working to repair my credit and get this paid in order to proceed with home buying, the lender pulled my credit and found judgment filed with court differs from amount UDR claims I owe. 
- Court files show {$1200.00}, XXXX shows {$3100.00}. Called to pay XXXX billing to find discrepancy. Woman who refused to identify herself called me a criminal for not paying rent on time. I explained I never had a problem paying rent I had a problem with paying such a substantial amount. 
- When asked why amount differed she said it was for cleaning the apartment after move out. 
- XXXX rep stated she would not give letter of release of judgment until the {$3800.00} is paid in full. 
- I asked for copy of lease as well as addendum and UDR refused to give copy. Gave me contact to NCC Business who is the collection agency handling debt. 
- Written request 4 times remain unanswered and still no documentation was ever given as to why I owe so much for 20 days. 
- This has affected my family greatly and resolving this is the last obstacle in front of us for pre approval in purchasing a home.
Product: Payday loan, title loan, or personal loan

On XX/XX/2003, I took out a home equity loan because I was told that I had to have this loan in place before I could get an equity line of credit. I ended up getting both loans, an equity loan and an equity line of credit. I have used my line of credit, but not the loan. I have never borrowed any amount from the equity loan. I just learned that equity loans and equity lines of credit are two seperate entities and that I never needed to take out the equity loan. 

I believe that I was scammed into taking out the equity loan and I paid {$73000.00} for a loan that I never used or needed. This transaction was with XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX. This account was transferred to Wells Fargo when they bought out XXXX.
Product: Credit card or prepaid card

I have tried five times to close my Capital One credit card with five different people within the company. I get different excuses each time why they can't close my account many times of which they say they are having system issues, system upgrades, etc or ask me to hold and they never come back. My account has a XXXX balance. The last two times they asked me to hold and after ten minutes the call disconnects. It is obvious they have no intention of letting me close my account and I need governmental assistance to get this done.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. 
Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a
Product: Credit reporting or other personal consumer reports

During the month of XX/XX/year>, XXXX XXXX. was hit by XXXX XXXX. So I requested relief, which included Skipping the XXXX mortgage payment. I was granted a 3 month forbearance from the mortgage company. During those 3 months ( XXXX XXXX ) I made payments and discussed options with the mortgage company. On XX/XX/year>, I was caught Up with All of My Payments. In XX/XX/year> The Mortgage Company Reported Me and My Wife as having a late payment for XX/XX/year>. I have tried to have these people Remove this from My credit to No avail ... Mortgage Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have a supposed cashed check with Capital One for XXXX I did not write this check. They have not been able to provide me with a copy of this check. They have also charged me multiple times over and over for XXXX charges that were not mine. I disputed charges against XXXX XXXX XXXX XXXX XXXX in XXXX, CT  since they misdiagnosed my puppy and she died. I have submitted a letter from my current vet showing that she was misdiagnosed. it cost me an additional XXXX to try to save my puppy who died after emergency XXXX. STAY AWAY FROM CAPITAL ONE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting a collection/chargeoff in the amount of {$1000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was transferred to an attorney and should only be reporting on XXXX. This reporting by the collection agency is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I attempted to purchase XXXX tickets on XXXX. The seller accepted my XXXX payment, then failed to send me the etickets, and blocked my phone number. 
He said his name was XXXX, his email is XXXX and his phone number is XXXX
Product: Debt collection

Upon closely reviewing my recent credit report, I found multiple accounts that I believe are incorrect and were added without my consent.
Product: Credit reporting or other personal consumer reports

I have several collections listed on my credit report that is showing inaccurate information. I have requested purchase agreements verifying that the debts are XXXX % accurate. The credit bureaus have failed to provide the documents for the following accounts and must be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I am formally dispute the continued reporting of late and missed payments on my mortgage account, despite my participation in the COVID-19 assistance program and the subsequent sale of my property, which fully satisfied the loan. Your failure to update my account accurately violates federal laws, including the CARES Act, Fair Credit Reporting Act ( FCRA ), and Texas state consumer protection laws governing fair credit reporting.

Legal Basis for My Dispute CARES Act Protections ( Public Law No. 116-136 ) Under the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, mortgage servicers who granted payment accommodations due to COVID-19 were required to report affected accounts as current as long as the terms of the accommodation were met ( CARES Act, 4021 ). Since I was enrolled in an assistance program, any negative reporting during that period violates federal law.

Fair Credit Reporting Act ( FCRA ) Violations ( 15 U.S.C. 1681 et seq. ) FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishers of information must ensure the accuracy of data provided to consumer reporting agencies. Reporting late payments while my loan was under an official COVID-19 accommodation program is inaccurate and misleading.
Product: Credit reporting or other personal consumer reports

I am formally writing this letter because upon reviewing my consumer disclosure report with EQUIFAX, I noticed there are multiple accounts in my credit file with this company that are inaccurate. On XX/XX/year>, there was a notice of dispute sent to EQUIFAX through the CONSUMER FINANCIAL PROTECTION BUREAUs ( CFPB ) portal per CFPB complaint # XXXX. When the accounts in question were disputed, I made it explicitly clear as to what was inaccurate regarding the accounts. As it stands, the inaccurate accounts that were disputed with EQUIFAX have been verified as accurate or modified per EQUIFAXs response to the CFPB complaint/Notice of Dispute. This in turn prompted me to login to my membership account with EQUIFAX to review my credit file bearing the accounts and said changes made to the accounts. It has come to my attention that the very same accounts that were disputed still remain inaccurate and unchanged regarding the errors I have brought to EQUIFAXs attention. EQUIFAX is in direct violation of the Fair Credit Reporting Act per 15 USC 1681e ( b ) because it did not ensure maximum possible accuracy regarding the accounts I disputed. Instead, it verified the accounts and failed to correct the errors I have brought to its attention.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Delete this account. 


2. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


XXXX2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : 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 15 USC 1681. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 16811 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please removed the following inquiries completely from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting inaccurate information on my report. I reached out to them and they couldn't even verify me in there system. I provided my social and I was told that they didn't have anything on me. A company sent me a copy of the report they got from this company and I've been trying to dispute this because it's wrong.
Product: Credit card

Explained that I did not make the purchase in the amount {$1600.00} and requested for them to prove that I did.