23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Me and my wife co-signed my nephew 's student loans for four years at XXXX XXXX  ( New Hampshire ). The lender was Sallie Mae. He XXXX  in the spring of 2019 with the loan payments being due starting in XX/XX/2019. He left our residence just as the loans became due and we've lost contact and are unaware of his whereabouts. 

Shortly thereafter, both myself and my wife began getting robo calls about every 20 minutes at our jobs from Sallie Mae. I thought they would first try to collect from the primary borrower, the student, and  was surprised they came after the co-signers so fast. To not risk losing our jobs, we have been making the payments to Sallie Mae on schedule. The primary borrower, the student, has not paid anything. 

We're both in our XXXX  and were planning retirement in the not too distant future. I called Sallie Mae and asked if they were pursuing payment of the loans from the student. They said that once they have the co-signer paying, they no longer pursue payment from their student. I find this most annoying in that the student received the education and has many years ahead of them in order to make payments. I strongly feel thatSallie Mae should continue to pursue payment from the primary borrower ( student  ) even as the co-signers are making the payments.
Product: Checking or savings account

During the month of May I made XXXX transactions using my discover debit card XXXX of XXXX posted on XX/XX/XXXX for {$14000.00} XXXX of XXXX posted on XX/XX/XXXX for {$14000.00} These XXXX charges I did via XXXX  to a company that sells gaming chairs. 
I provided the following address for delivery : Shipping address : XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : New Retail Company XXXX This is the tracking number provided by them : Tracking info : XXXX Shipped by XXXX XXXX This was delivered to a different country from what I provided. XXXX is refusing to refund me, and I contacted Discover saying they can not help on cases about purchases that I did not receive only fraud related purchases.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX  XXXX, SC XXXX XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX  XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX BALANCED {$14000.00} XXXX XXXX BALANCED {$35000.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Bank account or service

Went to Wells Fargo to open an account with a representative, explained to her I came to the bank to open an account to receive direct deposits from my job. I excplictely told her I only want a checking account. About 3 weeks later I get notices in the mail and I see I have a savings, and a line of credit open. I call in to Wells Fargo and explain the whole ordeal and was very frustrated. I got my account removed. 

I went into another branch because I did n't feel comfortable anymore in that store. The agent told me I was not able to open anymore line of credit for a long time. 

I should not be punished for closing an account, when I had no idea it was open in the first place
Product: Debt collection

Contacted company requesting debt verification but company did not respond to request. I did not have an outstanding debt with XXXX. XXXX went into my account and took money and ended up having to give me a credit. They solicited me to get service back and I refused. Had no knowledge of debt.
Product: Credit reporting or other personal consumer reports

Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear Equifax, XXXX, and XXXX Customer Relations Frauds department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference.

According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option.

Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, 1022.24 stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes.

As per the Credit CARD Act of 2009, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. 

I would also like to request the removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX- {$710.00} - Account Number : XXXX XXXX. XXXX XXXX XXXX- {$120.00} XXXX. XXXX XXXX - {$1700.00} - Account Number : XXXX XXXX. XXXX XXXX XXXX XXXX {$660.00} I demand that Equifax, XXXX, and XXXX promptly investigate and remove these accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. 

Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts.

Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX Without recourse
Product: Credit reporting

After disputing this multiple times with Equifax and filing XXXX previous complaints through CFPB equifax continues to report this account with inaccurate information. On XXXX/XXXX/2016 Equifax responded to the last CFPB complaint advising that they update the amount and closed the account. However Equifax left the remark of 60-90 days late. I received a message from the creditor ( XXXX XXXX ) on XXXX/XXXX/2016 advising that they called Equifax on XXXX/XXXX/2016 and gave them direction to update this account. However Equifax continues to report this account as they please. I am appalled at Equifax blatant and malicious behavior in managing this credit item on my credit report.
Product: Mortgage

On XXXX XXXX I received a letter that my insurance was not paid. I have an escrow account for this, so i reached out to XXXX to ask why they did not pay it. They said a bill was not submitted to them. I called my insurance agent he said they did submit it and will resubmit another bill. A couple of weeks went by I received a letter the insurance was to cancel me. I called XXXX again they said they paid it. Another week went by and the insurance canceled my policy. I called XXXX again they said the payment went to the wrong address their fault. I then requested to close my escrow account so I can pay my bills on time. I called my insurance agent and the previous insurance will not cover my house anymore due to XXXX not paying on time. I then had to start a new policy with a new company which cost more per year now. Fast forward to XXXX this year I get a notice from XXXX that I owe for shortages on an escrow account {$460.00}. I called XXXX to get the run around on how I did not have insurance and they charged me. I explained how it was them not making the payments on time and how it cost me more now. I have sent several emails to them stating what happened and they will not acknowledge their fault. Im reaching out for help in resolving this default on XXXX part and for them to correct the error of any shortage. I feel I would never had any issues if they did their job and paid the bill from my escrow account as they should of. I did not ask for the extra fees that Im now charged due to being canceled and the new price of the new insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definitions : Consumers means an individual. 

Person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
Transactions in this matter includes payment history, because its my transaction with the line of credit that the person corporation extended to me the consumer. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting or other personal consumer reports

I have been trying to remove collections that have aged out and that can not validate debt..XXXX admits it is a incorrect account but refuses to remove it subsequently so does transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I sent a letter to XXXX, XXXX and XXXX concerning the inaccurate information reported on my credit report by your company. They indeed deleted the inaccuracy placed by your company and since then it has been illegal reinsertion to my credit report by YOUR COMPANY. The items came back verified. I want to know : how did you verify this inaccuracy? 

I have attached a letter and proof of the deletion that was done to my account. Your company is in violation of Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof with my wet signature that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

Also, under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. Ive done research on the XXXX and XXXX XXXX  and unfortunately thats not efficient enough. It doesnt have my wet signature. 

Attached : A complaint letter, PROOF of deletion of the account on my credit reports, copy of my Social Security Card, my FTC report and Drivers License is attached for proof of identity
Product: Credit reporting, credit repair services, or other personal consumer reports

An accommodation includes any payment assistance or relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/2020, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/2020 under the National Emergencies Act.1 Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.2 An accommodation includes assistance or relief that is granted voluntarily or pursuant to a statutory or regulatory requirement. 
This statement from the cares act clearly states that payments during the COVID-19 national emergency would have accommodations. My late payment was reported XX/XX/2020 My payment was missed in XXXX. this is well in the 120 days of XX/XX/2020. 
XXXX XXXX is in violation of the cares act but not giving me accommodation. 

I will attach the email sent to them informing my situation.
Product: Credit card

Concord credit i was offered credit card under my XXXX app no denial but they need My proof of ID so they ask for faxing of license and social security card I did cost {$4.00} after that they denied me after on XXXX app said no denia application number XXXX XXXXXXXX XXXX XXXXXX/XX/year>
Product: Debt collection

The collection agency is Fair Collection and Out. I have disputed the amount multiple times with no help. Recent dates include XX/XX/2021, XX/XX/2021 and today. I have spoken with two representatives on the phone and even left a message for a manager. I have informed this company that the paperwork submitted to them from the original debtor is false and they are still not willing to help me. The original debtor no longer exists. I am trying to get this taken off of my credit but they are basically telling me I have no choice but to pay it or leave it on my credit. I just want this problem resolved.
Product: Student loan

I requested and was approved for a Private Student Loan Misconduct Application from Navient after previously submitting a CFPB complaint. This was prior to the applications being widely available, when they were sending them out on a case by case basis after determining if a students loans were eligible to apply. 

My Federal Student Loans have been forgiven through the Borrower Defense to Repayment, due to widespread misconduct from XXXX XXXX XXXX There have already been several settlements from Navient for widespread, unfair and deceptive student loan servicing practices and abuses in originating predatory student loans for for-profit schools, such as XXXX XXXX XXXX 

They held onto my application for 45 days before denying my application and provided me with the following reason : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. I contacted Navient customer service for clarification per instructions on the denial and the only answer I was given was customer service doesnt know what criteria these loans applications are judged by so ( they ) cant help. 

There is no actual reason for the Denial given. This is another dishonest action from Navient to keep student loan borrowers indebted to them. There is overwhelming evidence of misconduct on behalf of both Navient and XXXX XXXX  XXXX tied to these loans. 

There is no reason my application should have been denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX Assistance. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally request a refund of {$700.00} that I am entitled to. Despite multiple attempts to resolve this matter, the company has refused to reimburse me, even though the refund is justified. I sent a claim back in XXXX of XXXX, and despite multiple attempts after the original claim, I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX XXXX. They told me they had not updated the credit report. So the amount reported includes both the end of lease charges and the payments I have already made. 

I advised them that the information was inaccurate. They did not take any action on this matter.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Account name : EASTERN ACCOUNT SYSTEM Account Number : XXXX It has come to my attention that EASTERN ACCOUNT SYSTEM is illegally reporting on my credit report. EASTERN ACCOUNT SYSTEM claims that i owe them {$340.00}. I would like for EASTERN ACCOUNT SYSTEM to please send me the ORIGINAL contract or instrument of indebtness that is signed between EASTERN ACCOUNT SYSTEM & I stating that we are in a legally binded contract with one another and that the debt claimed to be owed is valid. 

On top of the above, based on the information provided by XXXX XXXX XXXX  which is a legal website to verify debt collectors ; EASTERN ACCOUNT SYSTEM is NOT legally licensed to practice debt collection in the state of Florida. ( Please see attached image ) Thirdly, I would like for EASTERN ACCOUNT SYSTEM to cease and desist ALL communication including credit report reporting immediately.

15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain accurate and up-to-date information in consumer credit reports. It mandates that these agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. If inaccuracies are found, consumers have the right to dispute them, and the bureaus must investigate and correct any verified errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT, THAT IS BEING REPORTED. THERE WAS BREACH IN EQUIFAX TO WERE MY INFORMATION WAS COMPROMISED. RESULTING IN THESE INQUIRIES TO ALL CREDIT REPORTING WITH EQUIFAX, XXXX AND 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

I applied for XXXX XXXX XXXX with XXXX XX/XX/XXXX. They stated I could not be approved due to the wrong phone number- invalid phone number -cell phone and landline was used on this account Days since most recent inquiry is to shot but it stated it had a number of inquiries on the account- they have managed to contradict their statement about my credit Number of Inquires in the last 12 month was 3. 
I do believe that this company did not check my credit due to the fact it stated my credit report was XXXX I my credit scores with XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX where did they get these scores- I have no late payment on my account in the last 5 years They made up information just to stop me from getting credit. 
I have a XX/XX/XXXXXXXX XXXX which has been paid in full.