23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my Equifax credit report, which I initially contacted Equifax about on XX/XX/XXXX. To date, I have not received a response from Equifax. I am seeking correction of the following inaccuracies and necessary corrections : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$300.00} ) : This account has never been late. Please rectify this incorrect information on my credit report. 


XXXX XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$400.00} ) : This account has never been late. Please correct this inaccurate information on my credit report. 


XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit : {$750.00} ) : This account is not mine. Kindly remove it from my credit report. 


XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Credit Limit XXXX {$400.00} ) : This account is not mine. Please remove it from my credit report. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$800.00} ) : The information on this account needs review. I recall the original creditor as XXXX XXXX XXXX XXXX XXXX, not XXXX XXXX. The reported balance of {$800.00} is higher than I remember. Due to these inaccuracies, I dispute the entire account and request verification of the Date Opened and Date of First Delinquency. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$5600.00} ) : The information on this account is imprecise. I only recognize the original creditor as 12 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; the collection agency reported is unknown to me. I do not agree with the Balance of {$5600.00}, as it exceeds my recollection. Consequently, I dispute the entire account and request verification of Date Opened, Date of First Delinquency, Date of Status, and First Reported. 


XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1700.00} ) : Due to incorrectly reported data, I request verification of the XXXX XXXX account. I am uncertain about the accuracy of the {$1700.00} balance, as I do not recall owing such a high amount. Your agency reported this account as closed and charged-off, so the Past Due amount should not be provided. I intend to clarify this matter with the creditor. In the meantime, I request that you mark this account as disputed to prevent further negative impacts on my credit score. Additionally, I request verification of Date Opened, Date of Status, and First Reported for this account.
Product: Debt collection

I have received several emails from Ace Cash XXXX. They are constantly harassing me regarding a debt that has been settled in a bankruptcy in XXXX
Product: Debt collection

On XX/XX/XXXX, Capital One received my notarized affidavit informing them of the federal law violations they acted on in connection with my open end credit plan. I am demanding compensation for causing damages to my name. Capital One has disregarded my legal documents, which makes them liable to compensate me for damaging my name and true consumer report. 

I am a natural person and a federally protected consumer. The XXXX defines an applicant to mean any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit.15 U.S.C . 1691a ( b ). As defined by Regulation B, an applicant includes any person who requests or who has received an extension of credit from a creditor. Both the ECOA and Regulation B require a creditor to provide a statement of the reasons for adverse action to an applicant.

Pursuant to 15 U.S.Code 1691a ( d ), The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. Pursuant to 15 U.S.Code 1691a ( e ), The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. I am the natural person who extended credit meaning I am the original creditor. 

You have been notified that your actions are detrimental to me and that you have violated ( including but not limited to ) the Equal Credit Opportunity Act, Consumer Credit Protection Act, the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and the Truth-in-Lending Act. 

Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX XXXX. 

As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also livid at Capital One intentional infliction of emotional distress and at the other diminishes of the quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX XXXX ). As I am currently attempting to apply for credit, time is of the essence. 

Please understand that I am extremely concerned about the consequences of the actions Capital One is having on my life. Please be advised that, if this matter is not resolved by XX/XX/XXXX. In pursuant to XXXX U.S.Code XXXX, I am demanding a {$10000.00} settlement.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am writing to formally dispute the names, addresses, and phone numbers currently listed on my credit report. Despite my previous attempts to resolve this matter, you have failed to remove or correct the inaccurate information. I believe this constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure that all information is accurate and up-to-date. 

The following information is incorrect and should be removed from my credit file : I have already submitted a formal dispute regarding these items, and you have failed to provide a reasonable explanation or take appropriate action. Under the FCRA, you are required to investigate disputes and correct any errors within a reasonable time frame. As you have not fulfilled this obligation, I believe your actions are in violation of the law. 

I request that you promptly remove the disputed names, addresses, and phone numbers from my credit report. If you continue to disregard this request, I will have no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and pursuing legal action if necessary. 

Please provide written confirmation that these inaccuracies have been corrected. If additional information is required, I am more than willing to cooperate. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Debt collection

A notice was placed on my consumer report that I owe Professional Collections Services {$3500.00}. I have never done business with this company before and I never authorized nor consent for anything to be furnished on my consumer report. 

From the research that I have done, Professional Collection Services is a third-party Collection Agency.

According to 15 U.S.C 1692 FDCPA, Noone is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy.

Nothing should be on the consumer report that will ruin my reputation, deny me credit, or a way of living.

According to 15 U.S. C 1681a ( d ) Consumer Report.

( 1 ) In General- The term " consumer report '' means any written, oral, or other communication of any information by a consumer 's creditworthiness, credit standing, credit capacity, general reputation, personal characteristics, or mode of living is used or expected to be used in whole or in part for purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) Exclusions. -- the term " consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

This collection, Professional Collections Services placed on my consumer report is a violation and is an exclusion that does not belong on my consumer report.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX  Account Number : XXXX XX/XX/XXXX  Reason : I don't recognize this account
Product: Debt collection

I have been trying to open a business account since XX/XX/XXXX. I have been unable to because allegedly I have a past due balance on a personal account that was closed in XXXX. The alleged balance was charged off, but somehow still carries a balance. I have been requesting validation of this alleged debt every 30 days since XX/XX/XXXX. I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form on or before XX/XX/XXXX. I repeatedly made these offers ; every 30 days to be exact. On every occasion, they have either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right, they have refused to accept payment in the process. That settled the matter legally and financially at XXXX hours on XX/XX/XXXX. As of today, XX/XX/XXXX, the alleged debt is still there so I am unable to open my business account. With no valid documentation ensuring the alleged debt is 100 % verifiable and 100 % accurate, this alleged debt does not exist. The CFPB ordered Navy Federal to pay $ XXXX on XX/XX/XXXX for these same exact practices. It is obvious that those same exact improper debt collection practices are continuing today.
Product: Mortgage

I closed on my house in XX/XX/XXXX with CMG Financial and at closing day CMG did not add the hazard insurance payment in the loan and had to make a payment out of pocket to have the hazard insurance on the house that was {$230.00}. I was told by my insurance broker that CMG was not going to pay. In XXXX i received my mortgage statement with a note added that the hazard payment was taken out of my escrow, then later on in the month i received a over payment check from the insurance. I was not notified at all that CMG was going to take money out my escrow to pay for insurance. Fast forward to this month XX/XX/XXXX when i received my statement my payment went up due to shortage in my escrow. I have only had this loan for 7 months. I called CMG 's customer service three times. The first time the representative did not want to give me more information as to why my payment went up. The second representative gave me all the information finding out that my Texas  XXXX insurance was not paid in the amount of {$1100.00}. So I have to put more money into escrow for 12 months to pay for XXXX, only {$410.00} will go towards to principle, {$530.00} will go towards my Escrow, and an extra {$95.00} will go towards the shortage in Escrow. Looking at my closing documents, Texas XXXX was included to be paid. Now i find out that it was not paid and not enough money was collected at closing via the second service representative. When calling back a third time to CMG, the customer service representative stated that she could not look at my closing documents and could not look at my county and state tax documents due to them being online with my account. The second rep was able to look at everything and let me know how much i owed and where i owed it to and my tax information. Even if i paid off the {$1100.00}, my monthly payment will be {$990.00} instead of {$860.00}. I talked to my Realtor and he told me that i received 6 % concessions that went towards my down payment, interest rate etc. Now i am wondering where did the {$1100.00} went too and why was it not paid at closing and why my monthly mortgage went up to {$1000.00} after 7 months.
Product: Credit reporting or other personal consumer reports

IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) 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 information, pursuant to, The Privacy Act of 1974 is a federal law that protects individuals from the misuse of their personal information by the federal government. The act & # 39 ; s main goals are to balance the government & # 39 ; s need for information with the rights of individuals to privacy.

The Privacy Act of 1974 : Protects individuals : The act protects individuals from the collection, use, maintenance, and disclosure of their personal information.

Requires notice : Agencies must notify the public of their record systems.

Requires consent : Agencies can not disclose an individual & # 39 ; s record without their written consent. 
Provides access : Individuals can request access to and changes to their records. 
Establishes record-keeping requirements : The act sets forth requirements for how agencies keep records.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an inquiry for XXXX XXXXXXXX back in XXXX, I called XXXX XXXX and was told I was approved for a credit card that I did not apply for and that my last name was spelled wrong. I just received a letter from XXXX XXXX that they had a malware attack and my social and name were included in this attack.
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 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX 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 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I filed for bankruptcy in XXXX under Chapter XXXX. My student loans through AES were listed as an unsecured debt. The Chapter XXXX Plan stated that no interest was to accrue on any debt, and that I was to make my monthly student loan payments to AES, outside the plan. AES admittedly refused my monthly payments, and put me in forbearance, at an 8 % interest rate. 

The final Trustees Report in XXXX stated, on page 1, item 10, that my student loans were discharged without payment, in the amount of {$84000.00}, because AES was to have accepted my monthly payments outside the Plan. AES failed to do this. AES received notice of the Trustees Report in XXXX, as well as the Discharge of Debtor Order. AES did not object or file a timely appeal. 

In XXXX, the United States Supreme Court held in United Student Aid Funds XXXX Inc. v. Espinosa, that an order of the bankruptcy court was enforceable, even if it was erroneous. In that case, the bankruptcy court listed the debtor 's student loans as discharged, and the creditor waited over a year to try to collect. The Court held the discharge order was enforceable since the creditor never objected or appealed. 

I have paid more than {$20000.00} to AES in the past few years, after the discharge. I would like that money back, with interest, and mu account considered paid in full. Thank you.
Product: Mortgage

In preparation to close on XX/XX/2020, I was asked for a Loan Pay Off Statement. I called XXXX XXXX, which is who was the original name on the loan and was then notified that the loan was transferred over to BSI Financial. Once I was connected to BSI Financial, they sent over payoff statement showing that there would be a {$15000.00} extension fee which included a {$300.00} inspection fee, and a {$2200.00} escrow charge for taxes and insurance. I already paid the insurance, so I do not understand the charge. 
I called BSI to ask about the two above charges and they were very rude telling me that in the small print it states that there may be an  extension charge. They would not answer nor discuss any thing with me. When I asked for them to send the paperwork on where I signed for an extension, they sent over someone elses paperwork. This shows me that they typically have paperwork for extensions. They never had me sign nor even discussed with me about an extension. 
The said the loan was due at the beginning of XXXX some time. I did not receive any documentation stating that the loan was due. Nor did I receive any documentation about extending the loan nor agreeing to any fees. I was not given the opportunity to see what other actions I could have taken without being hit with a {$15000.00} fee! In XXXX I did receive a call asking me if they wanted me to take the loan payments out of my account. They stated at the closing that was me giving them authorization to extend the loan. No where on that call did she state that by me giving them authorization to take the money out of my account meant that I was agreeing to be charged an extension fee OR that I was even extending the loan. 
Attached are all the documents that I have pertaining to the loan via me and XXXX XXXX/BSI Financial. In the original documents received from XXXX XXXX it stated that I would receive written notice. I do not understand how a financial institution can charge a large fee without having anything in writing. All extension with their other clients appears to be in writing giving them authorization to extend the loan. ( A sample is attached that was accidentally sent to me from BSI ... they were  telling me that I signed an extension. When I received it, I realized that it did not belong to me and they had it filed under my account. ) I was not granted the same opportunity as this other person ... .to sign and agree to the extension.
Product: Credit card or prepaid card

I applied for Marriott Rewards card through Chase on XX/XX/XXXX. I was denied on XX/XX/XXXX. The reason was that I had too many cards opened in the last 2 years.No quantitative information to define a maximum is provided. My FICO is over 800. I have never been late on my payments. My debt loan is minimal compared to my income. The simple matter is Chase is being punitive and denying rewards cards to customers who do not carry a debt. This does not appear to be fair credit lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX I received a Three Credit Agency Report and noted a significantly lower score reported by Equifax ( XXXX ), than scores reported by XXXX ... ( XXXX ) and XXXX .... ( XXXX ). Studying the 3 reports I noted that Equifax reported inaccurate ( high ) balance information on a revolving charge ; and listed two addresses which I have never resided at nor used. 
On XXXX XX/XX/XXXX I sent a letter to Equifax addressing the discrepancies noted above. I included relevant facts and identity documents. 
On or about XXXX XX/XX/XXXX I received a reply from Equifax dated XX/XX/XXXX stating " We were unable to locate a credit file in our data base with the identification you provided. '' Well, the identification I provided is the same identification they use to develop my credit score. 
The additional requirements from Equifax are superfluous. They already have the data. Requiring me to send and/or resend additional Personal Identification items carries a significant risk of compromise of my personally identifiable information. The simple fix is for Equifax to update my records and purge the incorrect addresses based on the information already supplied to them by my banks and creditors. 
Prior corrections sent to Equifax in XXXX and XXXX were acted on to my satisfaction. I don't know what their problem is this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed accounts listed below continued to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : DPT ED/XXXX XXXXXXXX Balance : {$210000.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT ED/XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$770.00} There are no valid claims ... accounts were settled with original creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be reported incorrectlythis is unlawfulDebts can not be collected twice Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation