23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

The is was a Private Student loan I got when I was attending XXXX XXXX in XXXX back in 2007. I had to drop out of school due to me losing my job and trying to stay afloat and provide for my family. My financial situation got so bad I had to file chapter XXXX bankruptcy.. At the time that Private Student loan was with XXXX XXXX XXXX Once the bankruptcy was clear I started to pay them back month but XXXX XXXX was still reporting negative things on my credit report preventing my credit to rebuild and I was unable to go back to school.. I made countless attempts for them to stop reporting negatively while I was still paying but the negative reports continued. Since I was n't getting anywhere with XXXX XXXX I decided to give up. Since then the account was taking over by a company called Navient once this happen I started to get nasty phone calls from collection companies threatening to garnish my wages. I let them know I can not afford to pay them monthly due to me living pay check to pay check. I also let them know I do n't have any money to settle this account. Once Navient took over the account they reopen the account on my credit report started to report delinquent every month and now they are placing this account as a open Collections account. I had to relocate for work so I can continue to make money but I 'm getting hunted with this in my new state. I can not even get a place to live I have to stay with friends and family..
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 XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries 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: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

This is in regards to complaint # XXXX, I request to reopen complaint as Wells Fargo is deceiving CFPB and hiding the fact that I did contact Wells Fargo onXX/XX/XXXX spoke with XXXX from XXXX XXXX IA fraud department, she was not helpful then I requested supervisor and she would not allow to speak with supervisor. I went the XXXX WI branch and worked with Personal Banker XXXX XXXX who spent an hour on the phone while they recycled him, after an hour I left. In a week I came again and spoke with banker XXXX also he kleft me his number XXXX., also week later with XXXX . I was questioned, all my cards and ID was searched and sent away. OnXX/XX/XXXXI spoke with XX/XX/XXXX from Oregon. On XX/XX/XXXX I contacted executive office XXXX who did not give out her ID, called again spoke with XXXX in XXXX Branch, then called again and spoke with XXXX  supervisor of customer service in XXXX OR, his ID XXXX.. Then called again on XX/XX/XXXX and spoke with XXXX premier banker. Bank closed my account for solo reason not to pay rewards as promised. I request that this bank is investigated for fraudulent activities and my rewards paid. There was no reason to close the account because I did respond multiple time to the letters and paid bill on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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

Hi I am a victim of identity theift since XXXX I am XXXX and so is my XXXX son so it 's very hard for me to keep fighting this but I believe in XXXX so I 'm am not gon na give up. A few years ago my identity as well as my sons was stolen at first I thought it was my ex husband who did it because he was XXXX out of the country for identity theift but he 's been gone XXXX now and it 's still happening. First I started getting mail stating that I applied for credit when I did n't and then the calls started causing me to go into a deep XXXX. Then my son was having medical problem do to the environmental surroundings so I had no choice but to move then I applied for an apartment only to find out that I got denied. I thought how could that be so I ordered my credit report and got the shock of my life someone had destroyed my name completely there were XXXX credit inquires in 2 yrs and 5 delinquent accounts that did not belong to me how could this be. So now I am stuck in a home where my son can not XXXX  properly because someone destroyed my name. My son is my life and I need to moved but these credit agencies are reporting false information I started contacting them since XXXX and have explained my story. My son is XXXX and he is having all kinds of medical issues do to this as well as myself. I myself am currently extremely XXXX because someone has taken over my life. I am begging you to make these agencies remove these items I have given them police reports and everything but they refuse to remove these fraudulent items that do n't belong to me. All the delinquency accounts are not mine as well as the credit inquires I requested that no credit even be considered unless they call my cellphone to verify. Please make these people remove these items so that I can move my XXXX child somewhere he can XXXX and be comfortable I thank you for taking the time to read this. I truly believe in XXXX and that somehow the true will be seen.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( account name, account number ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation. Here is the account I am asking you to verify as accurate : account name : California XXXX XXXX account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting late payments from XXXX and XXXX XXXX on my account when its inaccurate. I requested it be investigated and corrected numerous times and they continue to report the inaccurate information.
Product: Mortgage

My husband of over 25 years handled all the finances including the mortgage. All cred cards, utilities, and mortgage were on auto pay until XXXX of XXXX. The covid experience created a chaotic series of abuses at the hands of the opportunists who locked us down with the threat of arrest while fraudulently depicting nonstop images of people dropping dead and reporting alerts that we were all going to die. 
My husband was the strongest man l knew yet he had a XXXX XXXX 
On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and now 'm losing my home to an alleged foreclose. 

Our mortgage is/was with Wells Fargo XXXX l explained what happened to my husband informing them I needed time to understand all of the paperwork without the constant pressure and under inhumane levels of duress by " the banks '' due to a massive loss and my lack of understanding the mortgage. I was told to fill out a lot of paperwork and provide documents l didn't know how to access. It was all too much. It appeared deliberate and rushed. It's confusing, chaotic, and demanding. I was and am still in no condition to be making decisions or signing any contracts, I was in shock. I hadn't even buried my husband yet, they kept pushing me instilling fear and panic. 
The balance kept changing, the steps l was taking we're not entered into their system, l did what they asked, without understanding any of it. I don't believe it's lawful to take advantage of someone in a severe vulnerable state like that. I was not provided answers to questions l had, was told repeatedly to send in the paperwork, intrusive and Constitutionally protected sensitive information. l wasnt informed of any other lien, loan, or any other claim attached to my home. 

want the CFPB to publish this Meanwhile, I have another company called XXXX XXXX taping foreclosure papers on my door. They drive by frequently enough that l 'd notice them This company is the one claiming rights to sell my home Last week I received a letter from XXXX XXXX XXXX XXXX [ lplease look into this bank ] ] claiming there is a {$100000.00} equity line of credit past due that they're foreclosing on through XXXX XXXX. I had no prior knowledge this existed until approximately 2 weeks ago. The validity of this charge is unexplained and l 've been supplied no documents, terms, conditions, or signed copies of any kind. I'm expected to just give funds because they say so or they're taking m home. I've been deprived the right to due process, the right to cure, and l believe these two banks are somehow co conspirators in the violation of my rights to life, liberty, and property. They've committed wire fraud, mail fraud, breach of international contracts, the list goes on. The sale date of my home by them is XX/XX/XXXX. 
I believe our mortgage was already settled in full. I have paperwork stating so. From XXXX XXXX in XXXX. Through the chaos that covid permitted, accounts were mixed up, lines of credit disappeared without notice, and the bank fees were too high.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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



XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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.

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

I got an alert from XXXX  that HARVARD COLLECTIONS added a delinquent account to my credit report. There has been NO communication from this company regarding any debt that belongs to me. I have no dealings with ILLINOIS DEPARTMENT OF HEALTH SERVICES. I dont even live in ILLINOIS. This has negatively impacted my credit score by large numbers and changed my rating and they need to resolve this immediately. This is fraudulent activity!!!
Product: Debt collection

Columbia Debt Recovery LLC, doing business as Genesis, was retained by The XXXX XXXX XXXX, doing business as The XXXX, and XXXX XXXX XXXX for the purpose of alleged debt recovery. 

Specific Allegations Tampering with Residential Lease/Unlawful Collection Practices : Columbia Debt Recovery LLC dba Genesis has employed aggressive and deceptive debt collection practices, including attempts to collect debts based on the altered lease. They failed to provide proper validation of the debt, violating the Fair Debt Collection Practices Act ( FDCPA ) and causing undue stress and harm. 
Rent Collusion Allegations Against XXXX : Current Unlawful Acts by Columbia Debt Recovery LLC : Recent reports indicate that Columbia Debt Recovery LLC dba Genesis continues to engage in unlawful collection tactics, including misrepresenting the status of debts and failing to comply with legal requirements for debt verification. 

Legal Violations The fraudulent actions of Columbia Debt Recovery LLC violate several state and federal laws, including : Fair Credit Reporting Act ( FCRA ) : This federal law requires accurate representation of consumer debts and permits consumers to dispute and verify debt. 

Fair Debt Collection Practices Act ( FDCPA ) : This governs the conduct of debt collectors, prohibiting abusive and deceptive practices. 

A.R.S. 33-1310 - Rental Agreements : This statute outlines the fundamental requirements for rental agreements, emphasizing the necessity for transparency and mutual agreement in such contracts. 

A.R.S. 12-1601- Statute of Frauds : This statute requires certain contracts, including leases that exceed one year, to be in writing and signed by both parties for enforceability. The unsigned agreements presented by the defendants raise severe concerns about their legitimacy. 

Request for Action Given the serious nature of these allegations, I kindly request that your office conduct a thorough investigation into these matters and take appropriate action against the involved parties. I seek restitution for the damages incurred as a result of their deceptive practices and any assistance your office can provide in rectifying my situation. 

Supporting Documentation Attached to this complaint are relevant documents, including a copy of the original 5 Day Notice with lease term, any correspondence with The XXXX XXXX, XXXX XXXX, and Columbia Debt Recovery LLC dba Genesis, and any other pertinent information that supports my claims. 

Thank you for your prompt attention to this important matter. I look forward to your response and the necessary actions to address these fraudulent acts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and misleading information contained in my credit report, as well as to address your companys failure to comply with federal consumer protection laws. This dispute is in direct reference to the recent enforcement action taken by the Consumer Financial Protection Bureau ( CFPB ) against Experian for engaging in sham investigations and failing to properly address consumer disputes.

It is unacceptable that Experian, as one of the largest credit reporting agencies, continues to violate the rights of consumers under federal law. I demand that you immediately investigate and correct the inaccuracies in my credit report and provide a detailed explanation of your findings. Failure to do so will result in further action, including filing a complaint with the CFPB and pursuing legal remedies.

Below, I cite three key federal laws under **15 U.S.C . ** that Experian is legally obligated to comply with : 1. **15 U.S.C. 1681c Fair Credit Reporting Act ( FCRA ), Section 605** This section mandates that outdated and inaccurate information must not be included in consumer credit reports. Experians failure to remove or correct such information violates this provision and harms my creditworthiness.

2. **15 U.S.C. 1681e Fair Credit Reporting Act ( FCRA ), Section 607** This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. Experians sham investigations and failure to properly address disputes demonstrate a blatant disregard for this legal obligation.

3. **15 U.S.C. 1681i Fair Credit Reporting Act ( FCRA ), Section 611** This section requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. Experians pattern of conducting inadequate or sham investigations, as highlighted by the CFPBs enforcement action, is a clear violation of this law.

I demand that Experian : 1. Conduct a thorough and lawful reinvestigation of all disputed items on my credit report.

2. Provide me with written confirmation of the results of the reinvestigation, including any corrections made.

3. Remove any inaccurate, incomplete, or unverifiable information from my credit report.

4. Cease any practices that violate federal consumer protection laws, including sham investigations.

If Experian fails to comply with these demands within 30 days of receiving this, I will have no choice but to escalate this matter by pursuing legal action under the FCRA. I will also seek damages for any harm caused to my creditworthiness and financial well-being as a result of Experians negligence and noncompliance.

This letter serves as a formal notice of my dispute and a demand for immediate action. I expect Experian to uphold its legal obligations and protect my rights as a consumer. 

Accounts to re investigate are in the attachments ( credit report )
Product: Credit card

On XX/XX/XXXX I received a {$29.00} late fee from Bank of America on a past due balance of {$0.00}! I called their call center and they waived the {$29.00} fee, but I wanted to alert the CFPB that Bank of America is ignoring both the XXXX law on excessive fees and the new law imposing {$8.00} late fee limits. 

If there is a better way to make regulators aware of Bank of America 's illegal practices, please let me know.
Product: Credit card or prepaid card

XXXX XXXX, the CEO of Discover directly discriminated against me for usage in good faith and enforcement of my rights by closing my accounts after a failed billing error dispute in which XXXX XXXX XXXX, did not proceed with a proper investigation, after questioning the accounting information and the interest that was accumilated during my accounts in good standing, after his facility losing several of my payment instruments, after requesting the security information and bond serial numbers, after requesting my portion of the interest XXXX XXXX XXXX, collected by selling my information to third parties and lending out my illegally and corceced finance charge I was led to believe I had to make in order to obtain credit, my accounts were closed and my rights to credit violated, my payments blocked and lost. Many disclosures were not provided such as the form to right to reccession, and many others. XXXX XXXX XXXX refuses to remove inaccurate reportings on my consumer report which is now considered libel and slander thus he directly has defamed my character and consumer profile. XXXX XXXX XXXX, has caused me direct harm and injury and that to my family as well, such as mental anguish, XXXX, defamation. emotional distress, financial harm, etc. In the CFPB publishing credit reporting is VOLUNTARY under chap 3.1.1 and XXXX XXXX., outright refused me my right to this voulntary system. I was unaware of many things such as the rates for cash advance at a store counter, XXXX, and the atm which are all very different. I have revoked the right for Discover to furnish anything on my consumer reports and have requested the tradelines removed over three times, with each tine ending in denial and violation of my rights. I have requested the 1099C since a charge off by the IRS definiton is actually INCOME which is 100 % ILLEGAL and unlawful to report on a consumer report again with harsh denial. I have been notified this company has been submitting 1099 A, B, and C 's behind my back without proper disclosures to me and on my behalf without ackowledgement using electronic signatures in lieu of my actual signatures thus committing fraud however although they dio not deny it and some have admitted it then blocked my access to my account, they refuse to allow me to review them. I have sent them UCC 9-210 request with definitions and instead of showing me the books and numbers to see how much money they have made off me they send me account summaries of my spending. I am sadden, embarressed and fustrated. I only want the truth and to stop being taken advtange of. I am the orginal creditor since my signature created the credit out of thin air and they have my social security card and number of it which is the orginal credit card according to federal laws 15 usc 1602 et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON , DC XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX XXXX : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XXXXXX/XX/XXXX ; 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 alleged identity theft, not later than 4 business days after the date of receipt.