23daVinci/CFPB_Complaints huggingface dataset:
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 15 USC 1681 The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reportino doency 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 hem 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 ) ( a ) 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.

Delete the hard inquiry below please. 
Thanks. 


XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was contacted by the Phoenix Group of XXXX XXXX to collect on a debt from over 3 years ago when I broke an apartment lease. I was never sent letters from the apartment detailing this debt prior to being sent to collections. The collector said I owed nearly {$2000.00} in unpaid rent and damages. I updated my address with them but they never sent me anything in the mail to detail the debt, confirm the collection agency, or the notice of right to dispute. One letter was sent to my parents ' house since my father cosigned, but it was just a copy of the bill the apartment complex claimed I needed to pay. When I asked about disputing the claim, they told me this was not possible. They said I had to settle or it would be on my credit forever. They kept adding interest and trying to make it seem like a favor to take it off, although it should n't have been added in the first place. It took months and talking to 3 different people to have them reassess the debt, showing someone moved in much sooner than they said and my debt was only around {$500.00}. When asked to send a letter since I still had n't received one over 6 months since they started calling, they claimed one had been sent although it had n't. I asked them to send another but still never received one. I received a call today from a man saying he was the end of the line ; the apartment needed to know if I was settling or refusing. When I tried explaining I had n't received anything in the mail, the man interrupted me, saying it was clear I was refusing, and hung up. The issue has still not been resolved and is affecting mine and my father 's credit negatively.
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 XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXL XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX ( Exceptional ) 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received a call at work from the JCPenney Credit Card company ( XXXX XXXX ) on XXXX  around XXXX XXXX at my place of employment. I asked them to phone me after XXXX XXXX at my home  number and not to contact me at work. The lady on the phone would not listen to me and kept asking me questions over and over. I again stated that I needed to get off the phone before I got in trouble that I was not allowed personal calls at work, she told me she did n't care and kept talking. I finally told her that I was going to hang up that to please remove my work number, she keep talking and asking me questions about my account. I finally had to hang up because my boss was standing over me with a mad look on his face.
Product: Debt collection

Wakefield & Associates has attempted to collect a medical debt on behalf of XXXX. 
Wakefield & Associates did not do their due diligence in finding my residence to submit their debt verification to me, or attempt to collect the debt. The address they sent debt collection correspondence to was a residence not occupied by me or anyone from my family for over 4 years prior to the debt incurred. I have public records showing clearly my current address, and this address was indeed used by Wakefield & Associates to serve me Court Summons paperwork. 
Wakefield & Associates also encouraged me on the phone to not file an Answer in response to the Court Summons and instead pay them directly using their online portal. They indicated going through the Court would likely end up in additional fees incurred by me and added to my debt balance, and lengthen the process. 
Furthermore, Wakefield & Associates is adding interest and collection fees, as well as court processing fees to my debt balance. Rule 2.03 on Colorado Fair Debt Collection law states you can not charge me costs of collection. The Colorado FDCPA prohibits the debt collector from collecting additional amounts beyond what the credit agreement expressly authorizes. AND, under the FDCPA, debt collectors cant attempt to collect interest or fees over the amount you owe, except in cases where the contract that created your debt or state law allows it. Wakefield has not presented any documentation to prove they are legally allowed to charge me interest & fees on my debt balance. There is no debt contract provided to substantiate they are legally permitted to charge me anything over the principal amount of the debt.
Product: Credit reporting or other personal consumer reports

Experian has failed to fufill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a resonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filled a lawsuit against Experian, alleging systemic issues such as failingto forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing hard to my credit standing. I am requesting immediate corrective actionto remove or amend the disputed accounts, as Experian 's iaction violates federal law and my rights as a consumer. These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I filed a dispute with Equifax about the unverified account : XXXX XXXX XXXX account # XXXX. I have asked for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting

I have submitted numerous requests for verification of my accounts with XXXX XXXX XXXX, and Experian, and have yet to receive a response. They are in direct violation of the FCRA and I would like this taken care of immediately.
Product: Checking or savings account

Marcus account was closed due to linking an external checking account they said was not allowed but they accepted the money then locked account.It was never stated what type of accounts can and can not be linked now they are holding funds and won't return claiming fraud. Account is closed but won't transfer money back to original accounts. They are now saying you have to send in an affidavit to verify identity. I am falling behind now due to this bank I read multiple reviews and every review complained about account being locked few weeks after account was opened this bank is a scam
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX on XX/XX/2019. I used my credit card as defined under 15 USC 1602 ( l ) and there was a finance charge involved as defined under 15 USC 1605 and Capital One Auto Finance was then given my information without my consent or permission then they took my information and opened a loan and began to violate 15 USC 1692e because they falsely represent the status of a debt they failed to provide authentic documentation which clearly indicated no such matter existed they then repossessed the vehicle in which they clearly had no intrest in pursuant to 1692e and furnishing fraudulent documents defined in 8 USC 1324c.r,15 USC 1692j identity theft reported to the Federal Trade Comission report Number XXXX XXXX Lien search was done Name dosent come up with a lien complaint was filed to the nys attorney general Intake Reference Number is # XXXX
Product: Mortgage

My secondary loan has fallen very behind and was sold to multiple companies just when we were coming to a negotiation. The last company sold my loan in XXXX and Planet home lending took my loan over, they have sent letters stating they are will to help and we were in final stages of negotiation to get the loan back on track with a down payment, I received the paperwork and all it stated was the amount I needed to pay by XX/XX/2021 but there was no terms on the letter stating what my payment would be or what the down payment was going towards. I tried reaching out to my contact person XXXX XXXX through email and phone before the deadline and she was on vacation and not coming back until after the payment should have been made. The lawfirm stated I needed to have terms on that letter because it the loan was maturing and they could have told me in 12 months the rest was due immediately. 

XXXX XXXX had received a cease and desist from the company I am working with, but now I have received in the mail final judgement to put in for a sale date.I would like to resolve this ASAP but I never receive an answer. I fell into default which I had explained due to the fact my daughter had XXXX XXXX XXXX XXXX  ( which I can provide documentation if needed ) my husband was laid off at the time and we fell on hard times. We are more than willing to fix this problem and pay to keep our home as we have XXXX children and are hard working people. Can you please provide help?
Product: Credit card or prepaid card

I had filed a dispute back in XXXX  that was not filed on there part. I recently filed it again and was denied. I also filed a complain for bank of America not filing the first dispute. I have sent them the police report and still was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand my accounts be verified or deleted immediately.

( Attached, I have my Credit Bureau Letters, 2 forms of ID, FTC Affidavit )
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$41000.00}
Product: Checking or savings account

On the afternoon of XX/XX/XXXX. I paid my XXXX  account out of my checking account with no issues. Soon after, I tried to log on to my account to see if other items cleared including the recent phone payment. 

Typically me, I forgot my password.. rather than trying a dozen times like normal I called Bank of America XXXX XXXX number ... After quite a few attempts of verifying myself I found myself very verified when they were closing my account. I have never been spoken to from any financial institution ever in my life I felt like I was being bullied in high school and by the end of the day I had no access to no cash on a weekend. Today is one week since that day actually 6 days with no resolution.

They claim there's too much fraud on my account/ most of the fraud of my account is on the fraud I guess because I make a mistake put it in the wrong number. There's been times one time I made
a mistake at the ATM and they locked it One mistake.

I must have spoken to six different people mostly from their fraud department. So many times every other week or every other month I go through this constantly. I let him know I was very unhappy very unhappy I'm over it many many times I've been through this. 

Follow me Monday I went into a branch Branch could not help me I would have to open a new account I can't open a new account until some resolution was made from the old account unbelievable man still no cash XXXX maybe. They said a check email 6 days later still no check. ; I am not about to go in step by step of what transpired because of them locking my account It just follows suit after suit. They say I'm a very very valuable client to Bank of America once a diamond member or whatever as long as I have {$100000.00} in my bank account then I'm a member of something I guess. I make large deposits maybe three two or three times a year usually over {$100000.00} total. I am so ashamed of being a member of Bank of America and fortunately I have another checking account through XXXX XXXX who's been receiving my large deposits lately because other mistakes in many inconveniences this bank is caused me over the past year for example XXXX of XXXX waking me up XXXX XXXX XXXX XXXX  with a message that the detected so withdrawals from my account and they felt it was irregular. After being awakened by the message I called them and ended up being me 12 hours earlier/.. ; If question I will go into more detail and be more of a private setting thank you XXXX XXXX XXXX
Product: Checking or savings account

I have over XXXX dollars in my account from cash app, due to that being where I get my funds deposited from my job as I work for XXXX. I was not notified before a lock was placed on my account, I got off of work at XXXX after working XXXX hours, just to not be able to access any funds on my account, Cash App refuses to release my funds to me as they refuse to provide an explanation as to why my funds are still not released after verification process has been done. Cash app does not have proper customer service hours in order to get a proper resolution, as I told them it is illegal to hold funds, they disregard my questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please do not deny my complaint by stating that I filed this by some other means than myself ( This is completed by me 100 % ) and that you can't confirm my identity because you continue to send letters to my home address and continue to add accounts to my credit report, so if you can't identify who I am as you have previously said then you are illegally adding false inaccurate accounts to my credit report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 
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. Account Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

Dear CFPB, I am writing to formally file a complaint against Navient, a student loan servicing company, regarding their predatory and negligent practices that have significantly impacted my financial, emotional, and mental well-being.

I initially took out student loans to finance my education, expecting that I would be able to repay them responsibly with the assistance of income-driven repayment plans. However, instead of being provided with information and access to such plans, I was repeatedly placed into forbearance. This decision was made without fully explaining the long-term consequences to me, resulting in an accumulation of interest and a ballooning loan balance that I simply could not afford.

Navients practice of steering borrowers into forbearance rather than assisting them with income-driven repayment options has created an insurmountable financial burden for me. Despite my attempts to seek help and clarify my repayment options, I was met with inadequate guidance and support. This lack of proper assistance has led to severe financial distress, emotional turmoil, and mental stress, affecting both my personal and professional life.

The financial stress caused by Navients actions has left me struggling to make ends meet. The constant pressure to make unaffordable payments has taken a toll on my mental health, causing XXXX  and XXXX. I believe that Navients actions constitute predatory lending practices, as they prioritized their financial gain over the well-being of their borrowers.

Given the circumstances, I respectfully request that my student loans be discharged. I firmly believe that Navients predatory behavior and negligent practices justify this action, as they have caused significant and unjust hardship.

I appreciate your time and consideration in this matter. I am hopeful that the CFPB will take appropriate action to address these issues and provide relief to borrowers like myself who have been unfairly treated by Navient.

Thank you for your attention to this urgent matter.
Product: Credit reporting or other personal consumer reports

In short, 15 USC 1681s-2 is designed to ensure the accuracy and integrity of the credit reporting system by holding furnishers accountable for the information they provide to CRAs. I demand to see verified proof the original contract with my signature on it. Or certification from the creditor that certified the accuracy and completeness of the information account. Your failure to positively verify these accounts have hurt my ability to obtain Charge-Off : is gross income. Income can not go on your credit report according to IRS publishing. IRS clearly states this of charge offs not being not being debt but gross income. So reporting this account as a debt is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) is a provision of the Fair Credit Reporting Act ( FCRA ) that specifically addresses the responsibilities of entities that furnish information to consumer reporting agencies ( CRAs ), such as credit bureaus. 

XXXX XXXX XXXX XXXXText of the Statute : XXXX XXXX15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX 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. " * I never opened that account. I never sign anything. I demand that you send me signature page. There is another person listed. Apparently there is another account holder : XXXX XXXX XXXXXXXX. Its probably her account not my account at all. I have no Knowledge of this account. I demand to see the signature page that required by law. If you cant present that signature page of the actual person who signed for the card ( XXXX XXXX XXXX  ). I demand that you move this account of my credit report immediately. My next step is a lawsuit.
Product: Money transfer, virtual currency, or money service

I sent money to my mother during COVID on XX/XX/2020. It was suppossed to be delivered by XXXX the latest. I got the text message the money was delivered. However, when I called my mother ; nothing has been received in her bank. And was constantly reaching out to the bank on their end. And gave me a resolution that they have not received any money. I also reached out to XXXX and gave them infor to reasearch the transaction on XX/XX/2020 via XXXX. After this I never heard back from them even after sending them several messages. I reached out to their CEO too. I even sent an email. Their phone no. says service unavailable. Their website says chat, email and phone services are unavailable after you log in and send the money. Before you send the money it shows chat is available.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.