23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to file a formal complaint against the three major credit bureaus XXXX, XXXXXXXX XXXX XXXXXXXX for violations of consumer protection laws regarding the reporting of charge-off accounts on my credit reports. 

I have encountered multiple instances where collection agencies have placed charge-off accounts on my consumer report without providing validation information, as required by 12 CFR 1006.34 ( b ) ( 5 ). Despite my requests for validation, the collection agencies have failed to provide this information, yet the charge-offs have been reported on my credit reports, negatively impacting my creditworthiness.

Furthermore, I have not been given a fair opportunity to dispute these accounts, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The credit bureaus have failed to provide me with the necessary information and procedures to dispute the inaccuracies on my credit reports, depriving me of my rights under federal consumer protection laws. 

Additionally, the collection agencies have engaged in deceptive practices by using false, misleading, and misrepresented information to report these charge-off accounts on my credit reports. This behavior violates my consumer rights and undermines the integrity of the credit reporting system.

It is evident that the collection agencies have furnished accounts to the credit bureaus without providing the required disclosures, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This clear violation of federal law has resulted in inaccurate and damaging information being reported on my credit reports, with no opportunity for recourse or correction. 

Furthermore, I would like to bring to your attention that the charge-off account from Bank of America applied to my credit report is inaccurate information. Bank of America has a history of engaging in illegal and deceptive practices, as evidenced by the lawsuit filed against them in XXXXXXXX XXXX XXXX Bank of America employees illegally applied for and enrolled consumers in credit card accounts without their knowledge or authorization, misusing sensitive customer information in the process. This is not the first time Bank of America has faced enforcement actions for illegal activities in its consumer business, including unlawful garnishments and botched disbursement of state unemployment benefits. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action to ensure that the credit bureaus comply with federal consumer protection laws. I also request that the inaccuracies and violations on my credit reports be promptly addressed and corrected in accordance with the law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. I demand a resolution for this issue in 15 days or less.
Product: Credit reporting or other personal consumer reports

Dates, Amounts, actions was taken to remove inaccurate information but companies isnt complying Ive sent out XXXX letters to credit bureau and the companys listed on my report. Ally Financial paid in full never late, XXXX paid off never late not reporting accurately, XXXX XXXX isnt my account it was reported as fraud I have police report to prove. XXXX XXXX never late paid in full reporting inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked the credit bureaus to do a verification of everything on my credit report and they did. They stated that everything was accurate. But I did a thorough research myself and found improper inaccuracies on my credit report even after the credit bureaus did their verification. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax PROFESSIONAL DEBT XXXX XXXX XXXX Equifax In accordance with the Fair Credit Reporting act 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. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I told XXXX, Transunion, and XXXX to reinvestigate these 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  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. Accor 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: Checking or savings account

I opened a Navy Federal account with a former roommate who sponsored me who I no longer live with. I'll come back to that later.

I had XXXX in personal loans taken out on my credit and deposited via ACH into my Navy account. On XX/XX/XXXX I requested a large amount of cash withdrawal to use these funds for my personal use ( hence, personal loan ). Navy then flagged my account and froze my funds without warning, without anything in writing and left it frozen. They refused to give me a reason or anything in writing or email. They only sent a form to appeal. What am I appealing? Their answers were very very vague and changed from one person to another about verifying my identity.

I have alerts on all 3 credit agencies due to a past ID fraud on my social. This is fine if that caused a flag to verify. I then emailed all documentation to prove it was me and they still refused to let go of my funds. They never spoke to me with a clear reason and never once did I receive anything in writing.. They illegally froze my funds and then after 15 days they told me " We can't verify and you need to go pick up your balance in person at the branch via cashiers check ''. Fine. I then returned from vacation to visit the branch and they still had {$50000.00} held back. I then found out without my permission they sent back the money to the loan originator ( one of the 3 loans, so why not send back all??? ). And only after I called the local police did they agree to release to me the remaining {$29000.00} in my account via check. The entire ordeal made me miss payments, rack up late fees and have returns on my account for no reason. I provided all appropriate information and they still handled my account however they pleased with total disregard to policies and informing the client of anything. They did whatever they wanted to me even with all verified paperwork. 

I am going to join a class action lawsuit seeing how Navy has a large history of mishandling accounts just as they did mine. They were extremely unprofessional and only at the end did they say one reason they froze it was my former roommate told them we don't live together anymore ( you need to be sponsored to open an account ). So what! If they no longer wanted my accounts open due to THAT they should have still told me in writing and then released FULL FUNDS back to me. They abused my account and as I said I had the police arrive at the branch before I was able to retrieve partial funds back all because I asked for cash. The remaining {$50000.00} will be sent back to me via my loan issuer ( because they are professionals ) but this can not go without consequence to Navy. I am willing to prosecute by any means necessary.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX failed to protect my private information. On XX/XX/year> XXXX XXXX issued an Executive order to protect the sensitive and private information of all Americans. The Executive Order focuses on Americans ' data security, sensitive information, including genomic data, biometric data, personal health data, financial data etc XXXX extorted the use of my credit by conspiring with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. UNDER the law 18 USC 894 this is a violation of Conspiracy. The law clearly states that whoever knowingly participate XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, is a Third-Party Collection Corporation XXXX It is in violation of 18 USC 894Conspiracy. The law clearly states that this is a violation against this corporation. XXXX XXXX XXXX has no right to my private and personal information. 15 USC 1681No permissible purpose. 18 USC 894- States whoever knowingly participates in any way or conspires to do so in the use of any extortion means to collect any extension of credit or to punish any person for the nonpayment. Therefore shall be fine under the title or in prison not more than 20 years. Conspires means_ someone who commits a crime. XXXX Conspired with credit furnishers such as 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 by providing these corporations my private information without my knowledge or consent. These are strangers and I do not know or have a binding contract with XXXX and or any of the corporations who was given my information without consent. This is also aggravated identity theft on XXXX 's part.
Product: Student loan

I attended XXXXXXXX XXXX as my third XXXX XXXX and Graduated in XXXX of XXXX. That school holds two graduating ceremonies in XXXX for both classes that graduate with The XXXX program. The one in XXXX and the one in XXXX of every year. 

However, the school, having currently already been placed on academic probation by the ruling XXXX XXXX XXXX XXXX, removed XXXX XXXX XXXX XXXXXXXX XXXX one week prior to the Graduation Classes for failure to comply with the areas of concern that gave the school one year to complete. They failed to do so and were sent a letter to the President of the College who withheld the information from the students of the school. That in fact made our Diplomas null and worthless without the accrediting body certifying them. and prevented any of us from taking subsequent XXXX XXXX XXXX which consists of four parts plus the state board they each have, He withheld this until XXXX at which time he resigned and it took the school almost 18 months to get back to probation status and since that time the school has racked up almost half a XXXX in been placed on probation four more times. They also helped me to increase my student loan debts to over {$520000.00} and no way to repay it and also unable to pass all the boards from their fraudulent teaching methods that brought on the probations and finally suspension from the program. 

I did not even find out about this until years later and now twenty years have passed, I am XXXX, and after learning of what options are available I filed a " BORROWERS DEFENSE '' MOTION with the Department of Education in XXXX of XXXX specifically targeting XXXXXXXX XXXX and provided documentation of all the accusations with them and still awaiting a decision. I might also add that Navient who went out of business and had to pay a massive fine two years ago because of fraudulent trade and lending practices was involved in my loan servicing and should have never allowed me to get in debt to that amount of money and thus acted dishonestly.
Product: Mortgage

My account has been overcharged in force-placed insurance which makes me pay twice for the same insurance. Charged on my escrow account an insurance value on the loan and they never sent me a notice of premium nor any insurance certificate. My property is a Condominium and has been insured since I bought it in 2005. I had to rely upon my insurance and my funds for any issue since I never had a certificate from them. IIf I had a certificate from them I could have contacted the insurance company for a refund in regards to that insurance since I have had always coverage in my property. They do not want either to refund those premiums or produce a certificate of that insurance. In essence, I am being charged for something that does not exist. It is illegal to collect double insurance on the same risks.Rushmore does not respond to my complains. This is simple an easy money earning for those who have a property. This issue caused a lot of our problems in the past.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint regarding fraudulent items on my credit report. I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that these fraudulent items are removed from my credit report and that my credit score is restored to its previous level.
Product: Debt collection

I have been reaching out to XXXX and also Reaching out to national credit systems about this matter over a year. I have provided my police reports and no one has responded about this debt of my report. No one is adhering to the laws set in place by the fcra that protects me as the consumer for having unfair and untrue things on my credit report. this matter is hurting my family and i and preventing me from obtaining jobs and securing a home for my children and I.
Product: Debt collection

I have no recollection of this account of {$300.00} dollars with what appears to be XXXX, whom I've not had an account with in a very long time, and I left on good terms. I've tried to dispute this XXXX times through Experian and it isn't being removed, despite my lack of knowledge of the collection. It is not on either my XXXX or XXXX, and it is becoming an issue for me to properly use my credit in everyday life, XXXX. getting a vehicle, getting an apartment, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a prior complaint with CFPB against Navient due to its 39-state settlement with attorney generals on XX/XX/XXXX for predatory lending practices because I was also a victim of predatory lending practice by its predecessor ; I was not informed of an income-based repayment program for my student loan. Navient responded to my CFPB complaint by stating it placed this account on a hold due to another lawsuit involving bankruptcy by other plaintiffs. Navient did not include when it placed the account on hold, why there was no notice sent to me about this hold prior to my CFPB complaint. Navient also did not acknowledge that there has been no payment on this account for more than 14 years. Navient stated that the account was not in default and that was a part of the 39-stated settlement. I have not received notices of any kind from Navient ( billing or otherwise ) prior to filing a CFPB complaint in XX/XX/XXXX. In fact, I have not received any monthly bills for over 14 years. I noticed that Navient had put the account in deferment in XXXX, based on my credit report, but I had not received any communication from Navient. Even after Navient responded to my CFPB complaint in XX/XX/XXXX, it had not sent me any billing notices or informed me when the hold from the plaintiffs lawsuit would be lifted. Now, Navient has reported this account 60 days late to the credit bureaus. This is unspeakable financial trauma that Navient has been inflicting on me and my family for over 20 years. Backstory : In XXXX of XXXX, I attended 2 classes for a computer course in New York, but I was put on bedrest by my doctor in XXXX of XXXX due to a medical complication with my XXXX ; my daughter was born in the month of XX/XX/XXXX. I contacted the school and tried to reach a resolution since I could not continue with the course for medical reasons but was not able to reach an amicable agreement. It should be noted that I was not informed of an income-based repayment program by XXXX XXXX XXXX Navient 's predecessor, and yet the account was placed in a forbearance payment plan. I received a bill months after my daughter was born for {$10000.00} ; Navient took ownership of the account, has not sent me billing notices for over 14 years, continues to report the account to the credit bureau, and now has the account in a 60 late payment status with the credit bureaus. I understand that this company has attorneys at its disposable ; however, consumers have rights, and they should not be disregarded ; there are more consumers than profitable/predatory student loan corporations. I have filed a complaint with the DOJ in New York and California. I understand that this will give Navient a heads up and they may attempt to thwart the history of this account on its books; but I am prepared to obtain legal representation, alert various media contacts, and research others who have been harmed by this particular practice of hiding accounts in deferment to obfuscate the 39-state lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} XXXX XXXX  XXXX Balance : {$1100.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$740.00} XXXX XXXX  XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX  XXXX Balance : {$3400.00}
Product: Credit reporting or other personal consumer reports

REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I took a personal loan of {$20000.00} from my local and personal branch of Wells Fargo Bank ( XXXX XXXX  XXXX, XXXX, VA ) in XX/XX/XXXX for 48 months. Even though I had a " very good '' credit score, I agreed to Wells Fargo 's 13.49 % interest rate. The first payment of {$460.00} began on XX/XX/XXXX. At the origination of the loan, I was told that I could make extra payments toward the principal once the monthly payment was satisfied. My plan was to strive to discharge the loan earlier than the four years. I have never defaulted in my payments. During the first 4-5 months in the life of the loan, I made substantial payments toward the principal. No interest was levied on the amount that was designated toward the principal. Also, notice in the attached payment record that Wells Fargo charged me more interest during the initial few months when I started making the monthly payments. I assumed that was normal as the interest was levied on the initial {$20000.00}. Out of the blue, I received a letter from Wells Fargo indicating that beginning XX/XX/XXXX, I would no longer be able to make principal only payments without interest being charged even after satisfying the regular monthly payment of {$460.00}. I called the loans department a couple of times to register my displeasure at this new policy, which was being forced on me. I would not have signed for the loan if that was included at the origination of the loan. The lame excuse given was that some customers were not able to make their payments and this was to help everybody ( really? ). I further met with a banker at my branch to discuss this new rule with no satisfactory resolution. I am only asking Wells Fargo to stick to its initial agreement with me in respect to being able to make principal payments without any interest after honoring the regular monthly payments. This bank is known for its predatory lending practice against ordinary citizens. I'm a disaffected customer. Thanks, XXXX, XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When signing up for Experian free reports, it asked to charge for {$1.00}. It is not obvious that I can opt to not pay for the {$1.00}. What 's even worse is the {$1.00} is actually a trial for a $ XXXXmonth subscription. I was given no notification at the expiration of the trial that it 'll be renewed at a higher price. Also, there is no direct way for me to cancel until I dig through the website of Experian. This is not an acceptable behavior and borderline illegal.
Product: Credit reporting or other personal consumer reports

Dear Consumer, Financial Protection Bureau ( CFPB ), I am writing to report an urgent issue involving the compromise of my personal information. Recently, I discovered that my identity was involved in a data leak, resulting in unauthorized access to sensitive details, including personal and financial information. As a result, I have found discrepancies on my credit report, including entries I do not recognize, which are not a reflection of my actions or financial history. 

This situation is incredibly distressing, as it suggests that my identity has been compromised and is being used without my consent. I believe immediate intervention is necessary to resolve these issues and protect my financial well-being. I request that you assist me in correcting these errors and ensuring that my personal information is no longer at risk. 

Specifically, I would like the following actions to be taken : Investigation into the unauthorized entries on my credit report, including those that I do not recognize. 
Immediate steps to rectify the errors on my credit report and ensure that any fraudulent activity is removed. 
Support in addressing the data leak and safeguarding my identity from further misuse. 
Any guidance on how to further protect my personal information and prevent future issues. 
Please let me know what additional information or documentation is required from me to resolve this issue as quickly as possible. I appreciate your prompt attention to this matter and look forward to your guidance in addressing this serious identity compromise. 

Thank you for your help.