23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel that Experian did not do an investigation into my credit report and it is concernng. Experian was notified that there were some inaccurate accounts on my credit report that should be removed, but I have yet to see anything validated or deleted. I received an alert XX/XX/XXXX and XX/XX/XXXX that my account dispute was updated. Experian stated that the accounts in question met requirements of the FCRA but has yet to provide any documentation validating these accounts. The collection accounts are involved in litigation and should be removed immediately. I am asking for an investigation into the other closed accounts in question because I feel that Experian has not done their due diligence as far as providing documentation and any instrument bearing my signature. Closed accounts are reporting past due balances when they shouldn't be and the accounts in collections do not reflect the correct balance. Please validate the accounts or delete them from my credit report. I have attached the letters that were sent to Experian for reference. The XXXX collection accounts in litigation are XXXX XXXX XXXX and XXXX XXXX XXXX. I will be seeking damages for the inaccurate reporting.
Product: Mortgage

I purchased XXXX XXXX XXXX XX/XX/XXXX with a bank of America loan # XXXX. On XX/XX/XXXX the house caught on fire. After XXXX months of trying to get the contractor approved to build back the home ( after repeated attempts I even spent my own money trying to save my home ) Bank of American Had XXXX XXXX form XXXX ( XXXXXXXXXXXX ) call me to force me to sign over my property in Deed in luei or a short sale. I was not given the chance to build my home back and refinance with my credit union as planned. I have also contacted XXXXXXXXXXXX to join a lawsuit against bank of America for forcing foreclosure on me and keeping my insurance funds. I repeatedly contacted them regarding the XXXX they kept from the Insurance and after XXXX months the did transfer me $ XXXX and kept $ XXXX. After keeping the XXXX they also wrote the IRS that I own them XXXX in debt write off even though the XXXX documentation and there documentation stated they would forgive the balance entirely and no debt would be sought after me. I have called repeatedly and hired an attorney XXXX XXXX to get me back my XXXX that I am owned. This bank has repeatedly ignored me and my attorney even with a signed release that they can speak to him. I am begging this company to really investigate this thief and help me recoup my money so I can buy back a home for my family. This has been a XXXX year nightmare that needs to end. I would like my money. Please help I know I am not alone with this nightmare and can not afford legal fees with Bank of America refusing to respond accordingly.
Product: Credit card

XXXX XXXX XXXX XXXX They put a late payment and collection on me for this account, i was in the military when someone took this out in my name, i let the company know but they did nothing about it, I am taking legal action but this is gross negligence that is affecting me and needs to be deleted
Product: Payday loan, title loan, personal loan, or advance loan

Last XX/XX/2024 I received a text message from a person named XXXX XXXX from FreedomPlus, contact number XXXX, saying I am qualified for a personal loan of XXXX with % XXXX APR. I did grab it. They sent some " small amount '' to my account first and instructed me to send back the money to them with the explanation that this will help me increase my credit score so the credit union will see. I personally saw the cash sent to my account so I belived them. I sent back the money to them thru money cards. But later I got skeptical I said I dont want to proceed with the loan but just want to send back their money with the total of {$1700.00} which I did. But after that, I called my bank the chase to make sure there's no illegal activity happening and they said none or they cant see any. I even changed my password and username. But later last friday XXXX I noticed I have a {$1000.00} overdraft on my chase account. There were XXXX cheques deposited that I did not recognized. I called chase and explained what happened, they said they cant see the amounts that were deposited to my by the said agent so I was paying them from my own money..
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, XXXX there is a derogatory mark appearing on my XXXX Credit Report from Cash Central/DFS. However, I do not recall ever taking out any lines of credit from Cash Central/DFS. 

Specifically in dispute are the derogatory marks for XXXX and XXXX XXXX. In accordance with laws governing credit transactions in Kansas. Cash Central would have been required to be registered with the Kansas State Banking Commissioner under K.S.A. 16a-6-201. I have checked with the Kansas State Banking Commissioner and they were not licensed with the Kansas State Banking Commissioner until XXXX, meaning any contracts would be void, as they did not have authority to enter into any contracts in Kansas before XXXX XXXX, XXXX. 

Additionally, I allege any such loans are in violation of the Kansas Consumer Protection Act, Truth in Lending Act, the UCC and are void because they fail to meet the requirement of having an original signature as required by Kansas Law. 

Finally, as I do not recall ever entering into an agreement for credit with this company I also never recall giving agreement for my credit to be pulled or to have this company report to my credit bureau, which I contend would have to have an original signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt since XXXXredit burea 's still have failed to respond to my previous disputes. This company is in direct violation of the FCRA and my consumer rights. I will be seeking monetary damages for willfull noncompliance and negligence if this matter isn't resolved immediately. 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 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 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 card or prepaid card

On XX/XX/XXXX i paid off all of Indigo credit card including all the fees i felt were being processed without any proper verification. 
Since i felt the Indigo company was abusing their position over me i made sure all debt was paid so i could close account. This amount was for {$420.00} on a {$300.00} limited card. 
When i paid over the phone I specifically asked them if this would get me out of collection and be shown on my credit report as being paid off and they informed me that it would. 
I recently checked credit score, noticed it was still low after literally paying off every medical bill, paycheck loans and delinquent accounts i could find this summer. 
Upon further investigation i saw that Indigo was the first company listed on my report as delinquent. 
I called the office today and they said i owed over XXXX more dollars due to fees that had accumulated since i closed the account. 
I told them that was incorrect and the man XXXX said it was from a XXXX  payment that didn't go through on XX/XX/XXXX. 
I told XXXX i wanted to speak to manager. After being put on hold he said he would waive all fees and that i could just pay the XXXX. 
This made me more frustrated because he was acting like i was getting a deal. They should be paying me for lying, stealing and messing up my financial portfolio. Another scammer ruining all my goals of buying a house anytime soon. 
There is no way that I didn't already pay for this transaction on XX/XX/XXXX. If I didn't have the funds on the XXXX they would have known that day, let alone two weeks later. 
Long story short ; Manager never got on the phone and XXXX said i i should take the deal. I informed him if they didn't drop all chargers i would contact FTC instead. 
Please help Thank you for your time and consideration I look forward to hearing back from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source Receivables Mgt., account no.XXXX  has been placed on my XXXX file and my XXXX file and may appear shortly on my XXXX file.The collection account is for original creditor XXXX.This debt was previously owned by XXXX XXXX ( CFPB COMPLAINT # XXXX ), and after them by XXXX XXXX ( CFPB COMPLAINTS XXXX,XXXX,XXXX ). 
ALL COMPLAINTS DESCRIBED THE FRAUD OF THE ORIGINAL CREDITOR XXXX and all disputes ended in deletion for that fraud ( will attach my story with XXXX here ). 
In Addition it is commonly known that even today XXXX services do not function in XXXX XXXX for the lack of sufficient cell towers to provide adequate service. 
Some attorney could do well with a class action for selling phones and service that do not work.Call any Realtor in the 8 cities of XXXX XXXX to ask about cell service..not any of them will have XXXX because realtors can't put up with interference and dropped calls.
Product: Credit card or prepaid card

On XXXX XXXX I learned a fraugulant credit card account was opened using my identity. 
I then contacted Bank of America and reported the fraud useing phone # XXXX Was able to get that account closed and asked to put fraud alert on. 
Then on XXXX XXXX I received a letter from Bank of America stating a credit card application had been approved and my new card should arrive in the next two weeks. 
Cotacted Bank of America and questioned new account for I had not applied for a credit card account. 
Found out both account were seperat insidences. 
first card opened on XXXX XXXX and second opened on XXXX XXXX. 
My complaint is why was another Credit Card Application approved after fraud had been reported on XXXX XXXX. 
Also refuse to give information as to who and how Applications were filled. 
Have filed Police Report, Federal Trade Commission. OIG report and Credit Report
Product: Mortgage

I was with nationstar mortgage company beginning in XXXX. In XXXX we took out a loan that was supposed to be put onto our mortgage. XXXX nationstar turned into Mr. Cooper and there was a loan modification. Fast forward to XXXX, we got a letter on our front door saying our house was foreclosed on and sold at an auction. Never once were we notified of this. The company we took the loan out from, XXXX XXXX, said we didnt pay on our loan. Which was supposed to be added onto our mortgage. Mr. Cooper will not answer our questions at all and weve lost our house due to something they did. Please help us.
Product: Checking or savings account

Wells Fargo has reversed a provisional credit that I am due from the company XXXX. Through XXXX, I hired a " pro '' to perform work at my home. The " pro '' never showed and despite XXXX 's own information on their website stating that they don't charge until the work is complete, that is a lie. They chat very nicely and say they want to help, but don't fix the problem.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I flied a report with identitytheft.org. I have XXXX accounts on my credit reports with XXXX, XXXX, and Equifax. They deleted XXXX of the fraudulent accounts with XXXX that was on my report because they found that they were NOT mine. 

There are XXXX left and I have provided numerous articles of information that they have requested and they will not remove them. Now, if you found that the other XXXX accounts were fraudulent then how are the other XXXX mine? I have never dealt with XXXX. 

These accounts MUST be removed from my credit report. I have filed identity theft reports with the FTC and IRS. 

I am requesting a " block of information resulting from identity theft pursuant to section 605b of the Fair Credit Reporting Act ''
Product: Checking or savings account

The checking account I have is with J.P Chase Morgan Bank. Here is a timeline of what exactly has happened over the past few weeks. 
XX/XX/XXXX around XXXX - I had arrived at the XXXX train station in downtown XXXX . I had a decent amount of cash on me and I saw a Chase ATM so I decided to deposit it into my account since I don't normally carry cash on me. I walk up to the ATM, take out the cash from my wallet, and the proceed to count it to make sure the ATM would correctly count it as well. I confirm it is XXXX dollars. I then proceed to insert the money into the ATM. I can hear it counting it from the outside and then the ATM displays the amount asking if it is correct. I look and see that it is, so I hit confirm. After I hit confirm, the screen displays the message " I'm sorry but this ATM is no longer in use, please remove card ''. It releases my card and I take it out. Waiting there for my money to get sent back out, it doesn't. I wait about 2 or 3 minutes and then begin to panic because that was all of the money I had. I go on my phone to check my account to see if it was deposited and I still only had XXXX dollars in it. I got no receipt and an ATM had stolen my money. I then scan the ATM for a number to call which was the service number. I call immediately to let them know. I filed a claim and was then told it would take up to 14 business days to even get a credit for the money that their faulty machine stole. 
XX/XX/XXXX - I had finally received the credit of XXXX dollars into my account. 
XX/XX/XXXX - I receive a letter in the mail stating that my claim was closed and that there was no money deposited from me at that ATM that day. Furious, I call the number on the letter asking why. Basically was accused of lying. I then asked if they looked at the cameras on the ATM because it would show me clear as day counting money, depositing it, and then freaking out after it stole it. I was told they don't look into ATM videos for claims and that I would need to subpoena the video in court. So now it is XX/XX/XXXX and they are soon about to yet again steal XXXX dollars from me all because they can't click a few buttons and watch a video. I will also have to hire a lawyer and take this to small claims court to get what was rightfully mine in the first place. This is theft and stress that I shouldn't even have. I have bills to pay and money is not something to be played with.
Product: Credit reporting or other personal consumer reports

Credit Accounts have been disputed time and company failed to properly investigate disputed information. The below accounts were disputed with XXXX and consumer received no response on the matter beyond notating the account that consumer disputes account. No investigation was conducted and the collection agency keeps reporting. 

Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX  Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$130.00} Amount {$150.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTIONS Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$200.00} Amount {$200.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX  Date Assigned XX/XX/XXXX Original Amount Owed {$330.00} Amount {$330.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Creditor Classification INSURANCE Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION These are only a few of the accounts that are inaccurate on my report with XXXX. I've reported inaccurate information, accounts that were not mine at all and fraudulent reporting to XXXX, XXXX  and Experian and nothing gets done. Once disputed with XXXX the company only leaves disputed results in the portal for a temporary period and then removes the " supposed investigation results ''. 

I'd like to request that any and all inquiries, collection accounts and negative markings reported by XXXX, experian and XXXX  regarding my credit profile be permanently deleted. Due to the recent findings that XXXX and others have not fully investigated disputes and further has acted irresponsibly with my sensitive personal data as seen via data breaches this is the fair and proper resolution. Once all negative, collections and inquires are removed I would like XXXX, XXXX and experian to send me a completed and updated credit reports. I have been sued in the past for a collection account that was not mine and had wages garnished over accounts that were not mine. This is not fair and if the credit bureaus can't act responsibly then they should not be granted my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice that the Experian Consumer Agency Corporation has violated my consumer rights 'Under 15 U.S.C 1681b2 because I did not give written instruction for Experian XXXX to report any of my private information. why do yall ( Experian ) have a report and file on me? without my consent? without my written instruction? Delete this Account XXXX XXXX XXXX - XXXX
Product: Payday loan

I have received several phone calls from a debt collector mentioned above. They state that a payday loan was taken out in XX/XX/XXXX and that the balance of this loan has not been paid off and has been sent to them for collection. I have no records of taking out any pay day loans at that time and no documentation of a due or past due loan. The representative informed me that they are trying to collect this debt and that if I do not pay the settlement through them, I be summoned to appear in court and be responsible for the full amount of the debt plus legal fees. I explained to them that since I have no recollection of taking out this payday loan, that I would require documentation specifically stating the exact loan and its current status before moving any further on this matter. I received my XXXX call on XX/XX/XXXX and have not received any documentation to this point. 
This collection agency has also started calling my family
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This company is currently showing 30 days late for the month of XXXX to XX/XX/XXXX. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
CAPITAL ONE BANK XXXX XXXX ***** OpenedXX/XX/XXXXBalance {$960.00} Late open
Product: Student loan

Navient continually raises my interest rate. Every year, it goes up at LEAST .5 %, and it is currently at 10.75 % ; up .75 % this year alone. I have tried contacting them to lower my interest rate ( I have a near perfect repayment history with them ) but they always tell me there is nothing they can do. I can not afford to pay more per month to pay this loan down, so it just sits there collecting an absurd amount of interest. I feel they are taking advantage of me and I feel powerless to stop it.
Product: Student loan

In XXXX of XXXX, I applied for the new student loan SAVE plan, in an effort to reduce my monthly student loan payments. I currently owe over {$180000.00} in student loans ( including interest ). I received a letter from the loan servicer, Mohela, on XX/XX/XXXX, stating that I did not have at least {$30000.00} in Federal Student Loans that would allow me to qualify for the SAVE plan and an extended loan repayment. I dont know how this is possible when I do, in fact, owe over $ XXXX in student loans as stated above. 

I have been waiting for several months to receive an update on my payment plan, and I believe the information provided is totally erroneous and should be corrected as I believe that I do, in fact, qualify for a reduction in my monthly payments. This is completely unacceptable and I believe this is an attempt made by the loan servicer to try to extort as much money as possible from students who have higher loan balances.
Product: Credit reporting or other personal consumer reports

In my review of the credit report, I found some erroneous information. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), the XXXX and TransUnion credit bureaus must verify this account. Reporting unverified information without evidence within the legal timeframe is prohibited. Kindly investigate and correct the errors for the following account listed on my credit report : XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit card

I have a Chase Bank " Slate '' credit card. The interest rate used to be somewhere around 16 % ( perhaps lower - I do n't remember ). I have had this card for several years. Two years ago, I was late with 2 payments. Chase bank immediately jacked up my interest rate to 22 %. I have made my payments all on time since then and my credit score is now XXXX. But Chase refuses to lower my interest rate to something more reasonable, telling me that 22 % is the lowest 'available ' rate and that 's all I 'm going to get. Women ca n't pay those kinds of rates - we do n't make that kind of money! And I 'm over XXXX! I always pay my bills. I 've never filed for bankruptcy. I 've never defaulted on anything. I feel like I 'm getting truly rotten treatment - and this from a bank that was bailed out by my taxpayer dollars - to the tune of XXXX dollars!