23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I requested a 3 month forbearance in XX/XX/XXXX ). At this time, my loan payment was {$190.00} each month. The forbearance was approved and I was provided with a letter " to advise you of the conditions under which a forbearance may be granted. '' The letter states that I may have to pay interest that accrues. As such, I paid the interest payment on XX/XX/XXXX of {$29.00}. When the forbearance ended my " repayment term '' had been changed, without my knowledge or consent, therefore increasing my new monthly payment to {$300.00}. I called AES ( XX/XX/XXXX ) to inquire and first I was told the payments increased due to capitalized interest. When I explained that I did pay the interest, the representative then told me that my loan requires a payoff by a certain date so now my payments will be more since I took a break ( forbearance ) for 3 months. I protested and insisted that at NO time was I aware nor did I agree to those terms. She told me that I would need to see the master promissory note ( MPN ) that I signed in XX/XX/XXXX. I requested a copy of the note and she told me that she submitted a request to have a copy sent to my home-it was not readily accessible for me to view. In the meantime, she told me there is absolutely nothing that can be done and my credit will be negatively affected if I do not pay the full monthly amount. 

First, the MPN is not easily accessible as demonstrated by her response! Second, I should have been directed to these terms in XX/XX/XXXX when I requested the forbearance so that I could review any hidden terms-such as this. I have the " terms '' of my forbearance, sent by AES, dated XX/XX/XXXX. This document does not refer me to a MPN nor does it state may repayment term may/will be changed. It only addresses the possibility of accrued interest. 

I believe that I have been grossly misled. I can not afford this increased payment, and fully expected to resume my usual {$190.00} payments. No one explained verbally, or sent terms explaining my repayment term would change with a forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit check from Aqua Finance on my record and I did not approve it.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment reporting for my XX/XX/year> payment on my account ( Account # XXXX ). My payment was made on XX/XX/year> at XXXXXXXX XXXX and I received confirmation ( Payment Confirmation # XXXX ) for this transaction.However, I was informed that my payment was not posted until XX/XX/year>, resulting in my payment being reported as 30 days late to the credit bureaus. This discrepancy has significantly impacted my credit score, and I am currently in the process of purchasing a home. As this is an urgent matter, I respectfully request that the payment be applied to my account with the correct effective date of XXXX have contacted your customer service team on multiple occasions, including discussions with representatives XXXX, XXXX, and XXXX, and I was informed that no action could be taken due to the delay in posting. However, I believe that my payment was submitted on time, and this issue is a result of a delay on your end.Please review the payment records and make the necessary adjustments to my account. I would greatly appreciate your prompt attention to this matter, as it is critical to my credit standing and the progress of my home purchase.Thank you for your time and assistance. I look forward to your swift resolution. 

I requested a supervisor multiple times and they refused to place one on the call and informed I would be contacted back by a supervisor within 24hrs and Im still waiting for that call back.
Product: Debt collection

When I changed my residence, I tried to transfer my internet account from my old residence to my new. I called XXXX, and requested a transfer. Instead of doing what I requested, they opened a new account and left the old account active. I did n't realize this at first and started receiving notice for late payments. I would pay them, thinking I had made a mistake, and the next month I would receive a late statement for the alternate account. Many months later I realized the different account numbers, inquired to find the issue, and called the company. After many phone calls and emails, my complaint was sent up through their company for review. They came back apologizing, gave me a check for the wrongful charges, and assured me that both accounts would be closed. For a few years I heard nothing, then XX/XX/XXXX, a collection agency AFNI contacted me to inform me that I owed them {$350.00} for and account I had with XXXX. The same account that was fraudulently created. I called XXXX and emailed a complaint. I got a response back again admitting it was an error, and saying that AFNI would be informed and called off. It is now XX/XX/XXXX, I tried to apply for a home equity loan and was denied because the XXXX issue still is n't resolved. My credit score is wrongfully low, and this is now affecting my future. I need this loan for my divorce, or I will be forced to sell my house. I contacted XXXX yesterday, and my account is still showing I owe.
Product: Debt collection

I am writing to formally dispute and request immediate cessation of all reporting regarding the alleged debt on my credit report under account number XXXX. I have recently discovered this item on my credit files with XXXX, XXXX, and XXXX, which I believe to be inaccurately reported and unsubstantiated. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to a detailed validation of this debt ( 15 USC 1692g Sec. 809 ( b ) ). Please note that I have never received any communication from your agency that informs me of this debt, nor have I been given any opportunity to dispute or verify its validity as required by law.

Furthermore, pursuant to the Fair Credit Reporting Act ( FCRA ), any entity that reports information to the credit bureaus must ensure that the information is accurate, complete, and verified. Since I was never notified about this debt before it was reported to the credit bureaus, it violates my rights under the FCRA for failing to provide adequate notice before reporting negative information ( 15 USC 1681s-2 ( a ) ). 

Please be aware that the Consumer Financial Protection Bureau ( CFPB ) has established clear guidelines to protect consumers from such unfair and deceptive practices. Failure to comply with these laws not only undermines consumer trust but also exposes your agency to potential legal challenges. 

Therefore, I request the following actions be taken immediately : Provide me with comprehensive validation of the debt, including the original creditors name, the amount of the debt, and any agreement that authorizes your agency to collect this debt. 
Cease reporting this unverified debt to all three credit bureaus until complete validation is provided and accuracy is confirmed. 
If the debt can not be fully validated, I request that it be removed from my credit report with all three bureaus, and I receive a written confirmation of the same. 
If I do not receive a satisfactory response from your office within 30 days of the receipt of this letter, I will not hesitate to file a formal complaint with the Consumer Financial Protection Bureau and consider further legal action to protect my rights. 

Please ensure that all correspondence be sent by mail to the address listed above. 

Thank you for your immediate attention to this serious matter. I expect your prompt response confirming that these actions have been taken. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need you to evacuate the unnecessary request from my advance report as before long as conceivable. To form it easy, I have put together a piece of to back this complaint. If it's not too much trouble explore this issue as before long as possible.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the unauthorized reporting of the accounts below has violated my federally protected consumer rignts to privacy and confidentiality under 15 USC 1681 : 1 ) Account name : XXXX XXXX XXXX XXXX ) Account name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION The companies listed above have 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 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: Student loan

On XX/XX/XXXX, I received a notice from XXXX that my score dropped due to a decrease in my credit limit. I logged in and saw that Nelnet had reduced my credit limit which makes no sense because it's a loan. I called and was on hold for SIX HOURS, until someone answered and told me I needed to contact FSA for more information. I have been making payments weekly ( even though I am in grad school and only need to pay the interest ) and Nelnet is absolutely destroying my credit. They create a new account for each class I take, so I will have XXXX  open accounts by the time summer comes and I will have XXXX open accounts by the time I graduate. I can not afford to have them continue to take advantage of people like this, then offer no explanation and have absolutely no one to answer the phones for hours, it's already bad enough my score has dropped XXXX points in two months because of Nelnet 's errors, now they have reported payments as a credit limit decrease, and I have had enough.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Complaint : Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am deeply frustrated by multiple unauthorized hard inquiries on my TransUnion credit report. I did not authorize these, and they violate my rights under the Fair Credit Reporting Act ( FCRA ). 

These inquiries are damaging my credit and undermining my financial future. Below are the inquiries in question 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 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 XXXXXX/XX/XXXX These entries are unjust and unlawful. They have lowered my credit score and caused real harm to my financial standing. 

This is urgent. These inquiries are affecting my financial opportunities and causing stress. I demand swift action to restore my credit and protect my rights. 

Sincerely, XXXX XXXX
Product: Debt collection

This company has violated my consumer rights by attempting to collect on a debt that I do not owe, and they continue to report this debt to consumer credit bureaus despite it being invalid. The alleged debt is beyond the statute of limitations for collection under Maryland law, which is three years. The statute of limitations does not restart when a debt is sold or transferred to another collection agency, meaning their continued collection efforts are unlawful. 

The following are clear violations of federal and state consumer protection laws : 15 U.S.C. 1692g ( a ) ( FDCPA ) : The company has failed to provide the written contract or any validation documentation proving that I owe this debt, as required by the FDCPA. Without validation, they have no legal grounds to collect or report this debt. 

15 U.S.C. 1681n ( FCRA ) : By failing to ensure the accuracy of the information reported and continuing to report this account without proper validation, the company and the credit bureaus ( XXXX and XXXX ) are in violation of the FCRA. They may be held liable for negligence and non-compliance. If willful, these violations could result in liability for actual, statutory, and punitive damages. 

12 CFR 1006.34 ( b ) ( 5 ) : The company has failed to provide necessary validation information before reporting this collection account to my credit report, as required by federal law.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I was not given the opportunity to dispute this account before it was reported to the credit bureaus, which violates my rights under federal law.

15 U.S.C. 1681s-2 ( a ) : The company lacks the authority to report this account to consumer reporting agencies without providing all required disclosures and debt validation. 

In addition to federal violations, the company is also in violation of Maryland consumer protection laws : Maryland Consumer Debt Collection Act ( MCDCA ) : The company has engaged in unfair and deceptive debt collection practices by failing to validate the alleged debt and continuing collection efforts.

Maryland Financial Institutions Article, 11-301 & 7-101 : The company is not licensed to engage in debt collection or lending activities in Maryland, as required by law. Conducting such activities without the proper licensing is illegal. 

I have attached a copy of my full complaint letter, detailing these violations in greater depth.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. CREDIT REPORTING 2. IMPROPER USE 3. IMPROPER REPORTING 4. DESCRIPTION SEE BELOW Be it known that this notice of consumer check and challenge for lawful reporting compliance is officially composed a writ and formal complaint that you are reporting XXXX or more of the following illegally : XXXX XXXX XXXX / Case # XXXX XXXX  XXXX XXXX XXXX XXXX / Case # XXXX -XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX - XXXX  XXXX XXXX XXXX  XXXX / Case XXXX XXXX XXXX  XXXX XXXX/ XXXX Upon receiving my Consumer Report, please provide me with physical proof of compliance and verification. 
You are not authorized to retain or report this allegation if it is not physically irrefutable. 
The use of subterfuge to prove compliance and accuracy of every single aspect of the data is unlawful. In order to ensure that your company retains CURRENT, TRUE, CORRECT, COMPLETE, and MANDATED information in accordance with the FCRA regulation, I demand that you annul any and all details that are inaccurate or not in compliance. 
Please review and ensure your full compliance with the laws governing your practice of reporting consumer credit profiles. 
note : I DO NOT authorize you to mis-report any misinformation now or in the future. 
You must return to or maintain compliance as mandated without injury or prejudice towards me now or in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

my information was used without my consent multiple times and has caused harm to me and my report setting me back in a major way by violating a law that prevents the use of a report without a consumer consent. I need these accounts removed
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of great concern regarding my credit report. Despite multiple attempts, I have been unsuccessful in having a late/closed account removed from my credit file. 

I have made several requests to have this information investigated and rectified, but it appears that my efforts have not yielded any positive results. I understand the importance of an accurate credit report, and the presence of this inaccurate information is adversely affecting my creditworthiness. 

I kindly request that you conduct a thorough investigation into the matter and take appropriate actions to rectify the inaccuracies in my credit report. According to the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to investigate and correct any inaccuracies. 

I have attached supporting documentation, including Driver 's License and Proof of Address. 

I appreciate your prompt attention to this matter and request that you provide a written response within 30 days, as stipulated by the FCRA. If the investigation confirms the inaccuracies, I expect the prompt removal of the erroneous information from my credit report. I am asking for your assistance to remove this account in my credit file : XXXX XXXX Balance Owed : {$0.00}.
Product: Debt collection

On or about XXXX XXXX, XXXX United Guaranty XXXX XXXX XXXX of North Carolina paid the balance of a second mortgage on a property in which I dwelled with my former wife. On that date they sent me a letter indicating that they had accelerated the balance of the loan and that the " balance in full '' was due " no later than thirty days from XXXX/XXXX/XXXX ''. 

On XXXX XXXX, XXXX I received a letter from XXXX ; a local law firm ; indicating that they were authorized to file suit against me. I requested verification of the debt by mail on XXXX XXXX, XXXX. They responded by filing suit on XXXX XXXX, XXXX. I have yet to be served a summons or receive verification. 

I believe that this is a violation of multiple parts of the Fair Debt Collection Practices Act, not the least of which is the fact that the attorney filed suit on a debt that is time-barred under Florida law.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate accounts appearing on my credit report. 

Upgrade acct XXXX XXXX XXXX acct XXXX This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ) 15 ssc 1681 et seq. 
THE FCRA mandates that credit reporting agencies maintain accurate information in consumer reports. The following provisions support my dispute. 

1. 15 USC 1681e Accuracy of Information. This requires credit reporting agencies to ensure maximum accuracy in consumer reports. 
2. 15 USC 1681i Duty to investigate. This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request an accurate and complete investigation.

3. 15 USC sec 605b It is illegal to report information on my credit report without my permission. 

Please remove these inaccurate items from my credit report and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank You for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively working on our credit as we are trying to purchase a new home and I have two charged off accounts on my credit report. My scores have been rising as i've been paying things off and they've been removed from my credit report and i got to a point where there wasn't really much more to do but my score had reached an acceptable level. However out of the blue i got notification that my score had dropped 40 points so i immediately got a new report. Nothing had changed on my credit report except for the fact that the charged off accounts ( that have not been paid off ) had changed the " date of last action '' to reflect that it was a new derogatory account. However the account has been closed and no new information had been reported so they can't change the date of last action and make it a new derogatory account. Because of the fact that is showed that it was new it dropped my score because newer accounts hurt more then older ones obviously. I have been unable to correct the account with the credit bureaus and the company refuses to help us. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. Transunion must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. 

XXXX XXXXXXXX XXXX  XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.