23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX XXXX. Have been unfairly reporting my credit. All 3 have been misusing my personal information. I am aware of what's going on with the lawsuit and want to join in on it. I need all 3 credit scores fixed somehow. I am a XXXX veteran and am on the rebound rebuilding. I am trying to buy my wife and I a house but can't unless the lies of my reports are cleaned up. It seems they're always on the side of the reporter and not us the consumer leaving our scores lower than they should be.
Product: Credit reporting or other personal consumer reports

Inaccurate information reporting on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account listed on my Exprian report that was previously removed 3 times in the past. XX/XX/2018
Product: Checking or savings account

On XX/XX/XXXX, someone had stolen my card and used it 4 times to make atm withdrawals. No I didnt authorize it, no I didnt give anyone my pin, and no no one but me has access to to my account. The total of all four transactions was {$680.00}. I told Chime customer service this. They told me that I was eligible for provisional credit in 10 days after receiving the dispute. Were on the 2nd day and its already been denied???? This isnt even the first time Ive gotten my dispute denied. Ive never gotten a dispute resolved with chime they deny every single one within 2 days at that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a handwritten letter in regards to Validation of Debt ( letter attached ). Unaware of the response due to it being on the Experian website and not mailed certified as I did for my letter. The response was the removal of any late balance, but not the removal of late payments. If the conclusion of the dispute were that the balance was fraudulent shouldn't the late payments be a fraud as well? Please investigate this further and correct the misleading information on my report.
Product: Money transfer, virtual currency, or money service

Dear Sir or Madam of CFPBs Complaint/Dispute Department XXXX XXXX wish to practice my right as a customer of XXXX  to use your organization 's service, seeking a formal, impartial investigation to amicably settle my dispute with XXXX. 

do not have any accounts associated with XXXX but rather and got scammed by this folks who own the wallet address that addressed on the letter ( see attached ), using XXXX as only means to communication and other known wallet addreses. 

Commencing on or around XXXX of 2024, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX using the domain XXXX, with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains. It should be noted that the XXXX is a client of yours, the owner of wallets : The scammers were committing financial crimes, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX and XXXX wallet utilizing and transferred to XXXX. 

Thank you, XXXX
Product: Student loan

I have two issues : ( 1 ) I want Nelnet to demonstrate its legal right to my student debt ; and ( 2 ) If they can demonstrate the authority to collect this debt, I want them to return me to the payment plan I am on ( PAYE ) at Great Lakes. 

As of XX/XX/2023, my student loans were serviced by Great Lakes and I was on the income-driven Pay As You Earn ( PAYE ). 

On XX/XX/2023, I received an email from Great Lakes that my loans were being transferred to Nelnet. I received no further communication about the transfer until XX/XX/XXXX, when Great Lakes emailed me to say that my loan would *not* be transferred. Here is the material section of the email from Great Lakes : " Recently, we informed you that the U.S. Department of Education ( ED ) was planning to transfer the servicing of your federal student loan account to another member of ED 's federal loan servicer team. We're now writing to inform you that ED did not transfer your loan account to the other servicer. ED determined that it was not necessary to transfer your loan account. We, Great Lakes, will continue to provide customer service for your federal student loan account. If you are currently required to make monthly payments on your federal student loans, direct your payments to us. '' After that, I received notice from Nelnet that they are now servicing my account. However, Nelnet changed my payment plan *without my knowledge or consent* to REPAYE. 
Between XX/XX/2023 and today 's date, I have sent five emails telling Nelnet that I do not want to be on the XXXX plan. Nelnet has ignored these emails. 

On XX/XX/2023, I called and spoke to a Nelnet agent who ( a ) gave me incorrect and misleading information about loan consolidation, which would have caused me significant harm if I had followed her directions ; and ( b ) said she had taken care of getting the loans changed back to the correct PAYE plan. 

As of today, Nelnet still shows my loans as being on the REPAYE plan. I do not know whether this is because they do not actually have the right to my student debt, or because they are trying to collect more payments from me than my original plan requires. I have informed Nelnet as I have Great Lakes that I will consider switching to the new SAVE plan but have been abundantly clear that I do not want to do so until I can determine whether it is better than PAYE for my situation.
Product: Debt collection

Company has been asked to validate information from my credit report. XX/XX/2024. The company sent me a letter saying they could not validate my account. 
They stated that they would not continue to report the account to the Credit Bureaus. The account is still on my credit report. This is a violation of the Fair Debt collectors reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

upon reviewing credit files notice some accounts that are not mine and I have wrote and fax in on numerous occasions to have the items removed without success. Per credit bureau request have submitted police & FTC identity theft report and they still REFUSE to remove items and update report ... they being XXXX, XXXX and Experian attached you will find supporting documentation. the accounts that need to be removed are 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 these accounts are not mine and have landed on my reports as an result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX Account # XXXX, on my credit report is a clear violation of 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 : States a consumer reporting agency can not furnish an account without my written instruction.
Product: Mortgage

In XXXX my wife and I got a 2nd mortgage on our house thru XXXX XXXX XXXX XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX. It was for a term of 120 payments begining on XXXX/XXXX/XXXX and would be paid off on XXXX/XXXX/XXXX. They were paid in full in XXXX XXXX and have not dropped the lien on our deed. Ca n't get in touch with them due to them going out of business in XXXX. We are trying to refinance our house to a lower interest rate and have been approved all but for the lien they have on the deed. This needs to be removed because they did get their money in XXXX when we filed chapter XXXX in XXXX thru payments. We have final decree papers that show a zero balance for them and this will be a big mess for our estate when we are departed if lien is still on deed. How can this be removed? Any help is great.
Product: Credit reporting or other personal consumer reports

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  Charge OFF {$14000.00} TRANSUNION Date opened XX/XX/year> Charge OFF {$14000.00} I called the credit bureaus and sent in debt validation letters, disputing letters, and they told me that I needed to call the company who Im having an issue with. I called XXXX XXXX XXXX they told me that I have to keep it on my credit another year. 
I asked them to please provide copies of the legal notices and proof of the commercially reasonable manner of the subject vehicle. 
They did not provide me with that information within 14 days from receipt of this notice, the alleged claim of a deficiency is to be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Under 15 U.S. Code 1681c-2 Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Under 15 U.S.C. 1681s-2 ( 8 ) ( E ) Under 15 U.S.C. 1681i ( 5 ) ( A )
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts and inquiries listed below were opened or made without my authorization. In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the accounts and inquiries listed be blocked and deleted from my credit report. 
Fraudulent Accounts : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$530.00} XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$190.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$980.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$18000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$89.00} XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$760.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$430.00} XXXX XXXX XXXX - XX/XX/XXXX - {$790.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$62.00} Fraudulent Inquiries : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/2022 to update this doubtful information. I think you have not authenticated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. 

XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had purchased a home in XXXX. It was later sold to Greentree services. I had got married and when we decided to divorce. I was the only person who was working. I was working XXXX hours a week. When the plant stopped overtime I had gotten behind on the mortgage. I had got it caught up. Then in XXXX the XXXX ( I worked 9 years ) decided to close down. Before they closed I had gotten behind. I called and talked to a representative and he told me if I could catch it up before I lost my job. He would deferr my payment for 3months to help me while I looked for a job. I was to call on a certain day and talk to him. I did as he told me. But when I called him back on the day he told me. He said that he could n't deferr my payment because I did n't have a job? I found a job an hour away. When gas prices starting getting high in XXXX. I had got behind again. I started getting phone calls at work. In XXXX my wife and I decided to purchase a bigger home. I had called Greentree asking if I could sell the property and pay the remaining balance. I was told that I could send in an offer. That they sometimes accept lower offers. I had a sister that wanted to take over payments ( they said no ) and I had XXXX offers of {$25000.00}. I called and asked if the offer was accepted and they said that I did n't write down the dollar amount. I had faxed the offer and reasons on XXXX page? After the mortgage was foreclosed on. I found out that they had sold the property for {$4000.00}. And I owe the rest of the mortgage. After foreclosure process I had tried to set up some type of payment. But when I called and said that I did n't think it was fair that I had to pay the {$19000.00} that they lost by selling it their selves. And the woman rudely told me I had to pay all of it. After the foreclosure they had told me that since I could n't make a payment. I could fill out a hardship form. I had did as I was told and once again I was denied. Another problem I have is that on XXXX occasion when I was behind. They called my sisters ( that was on my account ) and my neighbor and had told them each how much I was behind and if I do n't pay the entire amount was due ( again told them exact dollar amount )
Product: Debt collection

On or before XX/XX/XXXX 2017 I contacted AWA Collections concerning a {$60.00} medical debt that appeared on my credit report with XXXX. I spoke with a XXXX XXXX that is in charge of this debt, I told him I wanted to pay the amount shown on the report, I wanted receipts showing I paid so in order to receive receipts I was told to go on line to www.payawa.com and I was given 3 different account numbers one was {$19.00}, one was {$10.00}, the last was another {$19.00}. I double checked the amounts and the account numbers because two payments were the exact same amount, He verified the amounts given. I paid all three and checked with XXXX approximately 2 weeks later only to find that AWA only reported receiving {$20.00} and showing me owing a balance of {$40.00}, I called AWA and XXXX to inquire why {$40.00} was still showing owed, I was told to send verification ( copy of receipts ) and AWA would fix the discrepancy. I sent verification of payment XX/XX/XXXX 2017 However XXXX XXXX called me and stated that I needed to send him some more money or he would not remove the {$40.00} balance. I then went to my bank and had the {$10.00} and a {$19.00} disputed because AWA refused to acknowledge payment, XXXX called me at XXXX XXXX on XX/XX/XXXX 2017 and became very vulgar and spoke obscenities and stated that " I will show you ( in a threatening manner ) since you disputed the payment of {$19.00}, I am going to go into your account and take the disputed amount plus additional funds ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent out a validation letter via certified mailing to the 3 major credit companies ( XXXX XXXX XXXX XXXX XXXX ) to resolve the issue at hand, kindly asking them to remove and delete the accounts that are very much inaccurate.There are several closed accounts from dates unbeknownst to my knowledge being reported also these accounts are still reporting " active '' activity. XXXX and XXXX has yet to delete and remove these accounts. This is affecting me tremendously and hindering me from obtaining credit. If these alleged accounts are " closed '', " charged off '' why are they being reported and reported inaccurately and having active activity to this present day when its been closed since the year XXXX & XXXX.
Product: Money transfer, virtual currency, or money service

My friend 's XXXX account was hacked XXXX XXXX XXXX The person hacking the account is promoting a fraudulent investment opportunity through Bitcoin and pretending like my friend is a Bitcoin/Cryptocurrency mentor. I showed interest, asked questions, and spoke to who I thought was my friend as she mentored me to buy {$500.00} worth of Bitcoin through Cashapp, which I then sent to her " wallet '' via Cashapp. She guaranteed {$10000.00} with my {$500.00} investment. I started to realize I was being scammed once I was told I needed to pay another {$2200.00} in order to withdraw my investment funds ( which were made in less than 24 hours ). My actual friend has confirmed that it wasn't her and that her account was hacked. Both of us are also concerned about her son whose photos are still on the account. In an effort to sound more like my friend, the hacker/scammer was using her son 's name in fake scenarios while conversing with me ( eg " I already put XXXX to bed '' ).
Product: Debt collection

SRA associates started to collect on a debt I am not aware of. I asked them to validate the debt but failed to do so.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to inquire about the legality of the interest rates being charged by a particular company. They are offering a {$1200.00} loan with an APR of 669.2 %. The finance charge amounts to {$5700.00}, resulting in a total repayment of {$6900.00}. This appears to be both illegal and unethical according to government and regulatory standards. Given the current economic climate and the financial strain on U.S. citizens, exploiting consumers in their time of need is particularly concerning. I strongly urge a comprehensive investigation into this matter to ensure compliance with applicable laws and the protection of consumers.
Product: Debt collection

Phone bill with XXXX XXXX in XX/XX/22. 
For month long trip to XXXX XXXX during which mobile phone service did not workcould not make calls nor sent text msgs. 
I was billed approximately {$560.00} for this month and disputed charges. I was willing to pay {$150.00} of the bill and I did so. My credit card company also looked into the matter and agreed with paying only {$150.00}. 
Now I am receiving notices from a debt collector Professional Credit Services saying {$490.00} is owed. I will not pay this!!
Product: Payday loan, title loan, or personal loan

When I filed the first complaint I told them they no longer had authorization to ACH anything out of my account. They continue to do so. Theyre causing the overdraft fees and I cant even get into my account to pay it off. Nobody answers the phone its all just recordings and when you try to login it just tells you theres a problem. And if you do get past that login it doesnt let you to your account because they want you to send a picture of your Social Security card over the Internet to third-party. Something I am not willing to do. They have my US passport that is the best identification they couldve ever asked for. My problem stands now is they were told not to ACH my account in numerous emails and through my response and my complaint here but they continue to do it. I want somebody to call me so that I can get an address to mail a check to a cashiers check not a personal check I dont want them to stop taking money or trying to take money out of my account
Product: Credit reporting, credit repair services, or other personal consumer reports

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXXXXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXXXXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX JEFFERSON CAPITAL SYSTEMS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After reading Fair Credit Reporting Act 15 USC 1681 section 602 where it says, " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and Im the consumer. I know i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which says that " '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' As I inform that the financial institution and the Consumer reporting agency like XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Furnisher of information to credit agency whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) says " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnisher of information to the credit agency Never informed me of my right to exercise my nondisclosure option. According to 15 USC 1681C ( a ) ( 5 ) says '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item XXXX is reporting again without my permission and that is against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) it says " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX are not maintaining reasonable procedures. And9 12 CFR 1016.7 says " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.