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

XXXX XXXX Bank has account nr XXXX with a XXXX of {$690.00}, a fraudulent acct, which I did not open. The acct was opened XX/XX/XXXX the due date is XX/XX/XXXX. They have stopped the card and told me to go to FTC. gov and to file a police report, also send them information they requested from me by mail and I have done so. I want this removed from my consumer reports. Need to get copies of my reports to find out if further fraudulent actions have been taken. The bureaus are listing several things I have not done, a mortgage, a car loan, and Saturns loans which I will write about to you when I get more precise information from them.
Product: Student loan

I am currently on an a IL repayment plan which is the default plan after I did not recertify my IBR repayment plan. This IL plan is essentially the equivalent of a 10 year standard repayment plan which means my payments still qualify for PSLF. 

I went to the federal student loan website to review other repayment options and ICR was listed as lower. I filled out an application based on this. XXXX had a different calculation method and stated the payment would be significantly higher than that listed on the federal website. They had placed my application on hold and did not process. When I called them in XX/XX/2018, I asked that my application be canceled and make no changes to the repayment plan as it was the lowest and payments still qualify for PSLF. 

They stated they need to do some administrative things on their end to cancel however my loans are in forbearance and in a repayment plan I did not request. I can not even get a standard 10 year repayment plan which would still qualify for PSLF as it is not even offered. The payments in the new plan are higher and do not qualify for PSLF. I have spoken to customer service several times to reinstate the previous repayment plan that I was on as I never requested to be changed over to this new plan nor placed in forbearance. I was specifically told the application was on hold and that my application will be canceled. I am unable to get a timely resolution before the next payment is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector.I sent them a letter by certified mail and it was received on XX/XX/2018 and asked them to verify the debt and investigate. As oftodaythey still have not responded to me.The company has not responded in any way. None of the credit bureaus have remedied this issue. I thought they had 30 days to investigate and fix the inaccurate account listed. It has been over 45 days and this debt has not been verified nor has it been removed from my credit profile.
Product: Debt collection

The called me upwards of 3 or 4 times a day regarding a credit card charge off debt from XXXX. Around XXXX this year, XXXX, I spoke with a representative and tried to make payment arrangements with them according to what I could afford. They denied me, and were forcing me to complete with what they thought was best, to which there is no way I could have afforded. I now receive a summons that they are taking me to court. I feel this was unjust and unfair.
Product: Payday loan, title loan, or personal loan

I requested multiple loans and I was expecting to sign an agreement before receiving a disbursement. Only one loan fit my expectations, with XXXX XXXX. All other loans offered funding at a later date that didn't work for me. I was surprised when I see {$1000.00} in my account. The money I requested was intended for moving. I moved on XX/XX/XXXX but they show I signed the agreement, electronically on the XXXX. I did not touch my computer on the XXXX as it was the day after I moved my furniture and I spent the day organizing. It wasn't until recently that I look at this agreement. This company is not only withdrawing funds from my account, they are charging me 785.68 % interest rate. I can't place a stop payment because they use random check numbers. These company 's practice is fraudulent and dishonest.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

XXXX XXXX XXXX
Product: Mortgage

XXXX /wells fargo bank fraudulently forclosed XXXX  county court XXXX  case no XXXX final judgemant XX/XX/2013 XXXX county court, kel atterneys /XXXX   /XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX florida XXXX tel XXXX XXXX XXXX XXXX XXXX atterney acting XXXX XXXX  they took my money and did nothing bank stole my home with over {$270000.00} equity in the house value by the bank {$560000.00} and lent a mortgage of {$250000.00} 50 % equity no missed paymants 3 forms of proof of paymants bank forged and doctered bank statemants, the bank cleared out my escrow acount prior to putting me in forclosure, the bank sent the contents of my escrow acount to my home owners insurance that was already paid for the year sent the cheques then closed the mortgage acount saying in forclosure funds came back to the bank? acount was incredit over {$7000.00}. they stole that money also a co signed insurance cheque for {$2500.00}. the bank stole also this was a complete act of fraud and deception committed the XXXX  county judge XXXX XXXX in XXXX  with the bank in a 4 min heering XXXX XXXX refused to look at proof of paymant and the court reporter disapeared? XXXX atterneys took money up front and did nothing to prevent the forclosure i have over 40 CFPB case complaints against XXXX wells fargo bank but the cfpb have done nothing for me you have all the information on file i will take the bank to court thanks o i reported the cfpb to the ombudsman for doing nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Experian to be honest and fair with scoring and they have the same data that XXXX and XXXX  and yet they have not changed score even though I get emails saying scores have jumped which copy. They have not changed score since XXXX. XXXX  has me at XXXX and XXXX has me at XXXX and Experian me at XXXX. That is too much of a gap to say theyare being fair. I believe they are doing this for I file justified complaints and all they do and say they are investigating and need another 30 days. They send out that they can not adjust score and that is hard to believe when it is clearly a error on their part and they do not want to fix and they clearly violate the Fair Credit Reporting Act.
Product: Debt collection

I've made numerous attempts to communicate with Midland about this debt that supposedly belongs to me. I have never signed any legal documentation to pay midland credit or the company they say they represent. They have failed to supply that information. The only information that they have supplied is a copy of a statement.
Product: Credit card or prepaid card

Double Charging by XXXX for XXXX XXXX I am astounded to have to seek the help of state authorities to open a conversation with XXXX about double billing for their new XXXX TV service. 

I initially tried to sign-up on XX/XX/2019, but as I completed entering my credit card information I was returned to the screen asking me to sign-up. I could not understand what had gone wrong and did not want to end up with two subscriptions, so I closed the screen and watched to see if a charge would show up on my credit card. I did not see a charge for several days, during which I also was unable to log in and open the service using the email address I had used. 

Therefore I concluded my effort to subscribe had failed and I tried a second time using my wifes XXXX account. This time everything worked like a charm and I was able to access XXXX XXXX on my computer, my TV and share it with my daughter as well. All as XXXX advertised. 

However, I was subsequently charged {$49.00} the original failed subscription under my XXXX address, which had never worked and has never been used, AND {$49.00} for the subsequent service under my wifes email. 

I have spent many hours ( with a break to go to the hospital with appendicitis ) trying to contact a XXXX customer service representative. Nothing worked using all the phone numbers, websites etc. offered by XXXX. 

XXXX clearly has designed their system to not allow any customer access to customer service representatives. As a result, I have been robbed of {$49.00} and apparently have no way to stop this from snowballing into {$600.00} over the coming year! A company with the reputation and wealth of XXXX certainly should be expected to provide this minimal customer support. Meanwhile I will do whatever I can to publicize XXXX failed customer service approach that is costing people like me and my family hundreds of dollars in fraudulent charges. 

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

My information was compromised because of an XXXX security breach. I had previously contacted transunion, as soon as I saw an unauthorized inquiry on my credit report to investigate this right away, most recently XX/XX/XXXX. I was told that I need to file a police report. On today, XX/XX/XXXX I was told the same thing from Transunion, after XXXX confirmed that my information was stolen. Someone has clearly been trying to use my information to open accounts. Transunion is not being helpful at all with investigating the fraudulent information on my credit file. I do have rights as a consumer and Transunion has violated the XXXX. I WAS TRANSFERRED TO A SUPERVISOR IN XXXX SPECIAL HANDLING. His name is XXXX from the PA office. He would not provide an ID number. He was not helpful, and insisted on me to file a police report before he even listened to my entire situation.
Product: Credit reporting or other personal consumer reports

I am a victim of identity self. These accounts below are not mine. They have hindered my ability to receive credit. I am demanding that these fraudulent accounts be removed immediately, for they are hindering my livelihood. 

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

On XX/XX/XXXX, I pulled my credit report and noticed that Account Recovery Special is reporting and trying to collect on an account which they state was opened on XX/XX/XXXX, for {$360.00}. Please note that I have never entered into a contract with Account Recovery Special. In addtion, pursuant to Kansas Statutes, more specifically, Statute Number : 60-512, the statute of limitations of 3 years has passed on collections of this type of account. 

On XX/XX/XXXX, I wrote to Account Recovery Special indicating that I disputed the alleged account and that the Statue of Limitation had run. They received my letter on XX/XX/XXXX. Today, XX/XX/XXXX, I pulled my credit report, and they are still reporting and trying to collect on the alleged account.
Product: Debt collection

I went on to my XXXX XXXX account and saw my score had went down. I have been working diligently on my score so i knew that something was going on. I looked deeper in the why it had gone down and I had seen under derogatory marks that under collections there was something that I had no knowledge of it had read LVNV FUNDING LLC. In the amount of XXXX $ and was opened on XX/XX/year> it also states that the original creditor was XXXX XXXX XXXX XXXX credit card. I have no knowledge of this being opened I didnt not open it I didnt not share my personal information with anyone to be able to open it. I called all three credit bureaus and put a fraud alert on my account so that if it happens again I will get a phone call verification that it is in fact me opening an account. I have never got a bill in the mail or been in contact with anyone about this other then me finding out and doing some investigating of my own and reaching out.
Product: Credit reporting, credit repair services, or other personal consumer reports

i call to chase and they said that I has to call XXXX, when I call XXXX they said that they not have a chase inquiry in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.
Product: Credit card or prepaid card

Have attempted to resolve this issue multiple times with the company directly and offered to provide copies of an identity theft report regarding the situation. Constantly my concerns are brushed off or deemed inadequate. I have also addressed these concerns with all three credit bureaus XXXX, XXXX, XXXX and all parties have exhibited willful and grossly negligent behavior which has adversely affected me. This behavior is a direct violation under the rights given to me by the FCRA. Automated responses and bully like behavior is the most simplistic description of the behavior of all parties mentioned. I have made 3 attempts if not more to resolve it and this will be my final attempt before exploring other options including but not limited to litigation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX XXXX Inquired XXXX XXXX, XXXX. Date of inquiry XXXX XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX  Date of inquiry XXXX XXXX Date of inquiry XXXX XXXX XXXX, XXXX XXXX  Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX  XXXX XXXX of inquiry XXXX Addresses : XXXX XXXX  XXXX XXXX XXXX Ga XXXX,
Product: Credit reporting or other personal consumer reports

Mohela is inaccurately reporting my student loans to all credit reporters and miscalculating my balance on their website/records. I was checking my experian credit report when I found instead of 8 student loans in total ( unpaid and paid/closed ) ( I have only ever taken out 8 student loans in total ), there were 16 in total ( 8 open and 8 closed ). The balances have also doubled. 8 of the student loans are appearing from " department of educationXXXX '' and 8 additional ones are being reported from " Mohela '' - it appears this duplicate issue occurred during the transfer process causing in these " duplicate '' student loans with wildly inaccurate balances and payment histories and has not been fixed since XXXX XXXX XXXX My current balances should also only be XXXX XXXX  instead is being reported I owe XXXX XXXX in student loans. XXXX loans have been paid in full. Additionally, Mohela is currently placing my current payments towards XXXX already paid off student loans- meaning my payments are not being added to the principal amount and I'm accruing interest on the other active loans. I have reached out to both Mohela and XXXXother credit reporters with no resolution. I have opened multiple incident tickets with Mohela, been escalated on the phone, uploaded supporting documentation with no resolution. It was been 3 months of these consistent issues. I have also filed disputes with the credit reporters and no resolution has been made. Please review attached documentation for supporting materials.
Product: Vehicle loan or lease

I purchased XXXX XXXX XXXX in XX/XX/2013, the car was valued at {$20000.00} before my down payment. I had the car a total of 5 years, towards the beginning of the 5th year the care was repossessed and determined that I still owed {$15000.00}. I spoke with a rep who sent me over a break down of payments. All but 5 payments went to principle only. As of today the car is still repossessed however the bank now sates that I owe {$17000.00}. After speaking to someone to determine why the balance was still so high, she stated that she didn't know. I do not agree that all the money I have paid over the past 5 years should not have gone towards my principle.
Product: Credit reporting, credit repair services, or other personal consumer reports

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with ELAN FINANCI. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with ELAN FINANCI for review or collection. 
Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ARE ALL FRAUDULENT UNAUTHORIZED INQUIRIES AND I ALSO HAVE UNAUTHORIZED ADDRESS ON MY FILE AS WELL. 

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 ADDRESSES : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has CONTINUOUSLY disregarded all of my disputes of an account NOT being mine. When I reported to the company that my Identity was stolen they disregarded that and continued to report that I owed this balance that is due. I PAID THE BALANCE ON XX/XX/2022 IN THE AMOUNT OF {$280.00}! I PAID IT TO TRUE ACCORD WHICH IS THE COMPANY THAT THIS DEBT WAS SOLD TO! XXXX and TRUE ACCORD has failed to report to XXXX that the balance is now {$0.00} and this account is no longer in collections! I have reached out to ALL 3 COMPANIES numerous times as well as submitting NUMEROUS disputes! Well XXXX  just responded to XXXX that the information CURRENTLY reported is correct they VERIFIED that this information is correct which is a complete LIE! Please see the 2 attached screenshots!!!!
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with Jefferson Capital System, they did not provide me with the original contract as I requested.
Product: Checking or savings account

chase has negligently, fraudulently and maliciously sent out cashiers checks in my address and account number to a person I have never heard of. 

This game chase has been playing has been going on for 4 months now,
Product: Checking or savings account

I received an offer from chase Bank for a reward of {$300.00} if I switch my checking account to them. Based on this offer I closed my account with my previous bank and opened an account with Chase Bank Bank on XX/XX/XXXX and also had my direct deposit made to this account within 60 days as part of the offer agreement. The other requirement was a minimum of {$50.00} in the account. I complied with all the requirements.

I suddenly received a letter from chase some in XX/XX/XXXX that my account was going to be closed on XX/XX/XXXX for undisclosed reasons. Note that I still had my direct deposit into this account and as at the time of closure there was a balance over {$50.00} in the account.

The account was closed unceremoniously and my balance is yet to be sent to me as should any reputable should.

This is clearly a switch and bait strategy by CHASE BANK. I therefore demand that I be compensated for the injury I have suffered from closing my previous account and then having this closed shortly after I had opened. it.

2. CHASE BANK and all other banks engaging in this unwholesome practice should be stopped from continuing this unfair strategy. If there was a problem with my account why was it opened at all? Everything was verified before it was opened by one XXXX XXXX
Product: Debt collection

initially they had taken funds on days I didn't authorize I then tried to contact someone and it took several days but no one returned my call. I was sent to an answering machine. Days later I contacted a representative and spoke with XXXX XXXX and a gentleman by the name of XXXX. funds were not returned. I then had to speak to my bank. They are now sending harassing threatening debt collection tactics after I canceled the ACH pay from my personal account. They are calling my cell XXXX constantly emailing me at XXXX. I really need them to stop.This is what they sent me. 

-- -- -- -- -- Forwarded message -- -- -- -- -- From : " Loantopia '' XXXX Date : XX/XX/2018 XXXX XXXX Subject : Don't wait - Legal action may be soon To : XXXX Cc : XXXX XXXX XXXX, XXXX, CA XXXX XXXX Notice XXXX Intent to Recover XX/XX/2018 RE : XXXX XXXX XXXX, We have been most patient, but you have failed to respond to previous notices regarding your account with Loantopia, formerly Shoreside Loans.  We now have no alternative but to require immediate payment. Failure to respond may lead to legal action against you. 
Your account is now severely past due with a total outstanding balance of {$3000.00} and is being prepared to be presented to our Legal Department for the recovery of your debt to Loantopia, formerly, Shoreside Loans. This may cause you to incur additional legal costs and fees associated with the recovery of all amounts owed. When approved, Loantopia, formerly Shoreside Loans, may obtain a judgment against you that will be immediately recovered via a wage garnishment order to be executed through your employer, XXXX, at a rate of 25 % of your disposable income until all amounts obtained through the judgment are satisfied. To avoid these actions, we must obtain payment and set proper arrangements to bring your account current through any of our available means of assistance. You may begin this process by contacting an account specialist at XXXX, or you may reply to this email. We appreciate your cooperation and look forward to resolving this matter with you, thank you. 

This is an attempt to collect a debt and any information obtained will be used for that purpose.