23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I applied and was approved for a student loan of {$2600.00} from Sallie Mae. The loan was disbursed to University of XXXX on XX/XX/2021. I paid off the student loan out of my personal checking account at an amount of XXXX on XX/XX/2021 after realizing the interest rate is 11.25 %. 

Due to family obligations, I applied for a leave of absence for the 2021 fall semester and was approved by University of XXXX. The university XXXX XXXX and XXXX XXXX staff has confirmed that the {$2600.00} was refunded back to Sallie Mae on XX/XX/2021. Sallie Mae did not disclose this information to me. 

I contacted Sallie Mae by phone twice and explained the situation. However, I have not received a refund of student loan payoff amount as of XX/XX/2021.
Product: Checking or savings account

I called Wells Fargo ( on XX/XX/XXXX ) to inform them that my purse with all of my cards and identification ( drivers license ) was stolen and that I needed my cards turned off. The representative continued to issue me new cards ( send them in the mail ) and so I thought place a blocker on my account ( but she did not ). The fraudster had already stolen around {$400.00} by the time I realized and turned my cards off immediately. On that following Monday ( XX/XX/XXXX ), the fraudster went into a physical Wells Fargo branch and transferred everything out of my savings ( $ XXXX ) to my checking account and continued to withdraw {$490.00} without any identification or my debit card. 

On XX/XX/XXXX, I received a call from a manager at Wells Fargo XXXX XXXX XXXX XXXX  ) that someone was there using my card and that she was now walking out of the branch. He continued to tell me that he was holding my drivers license if I wanted to come pick it up. I went to the location to pick up my ID and also call the police to put in another report for this incident. 

After arriving and speaking with the manager, he distinctly remembered her coming in that previous day and today. He said the woman came in stating " she just needed money '' and that her " mother and sister just passed away '' I'm assuming to get some sympathy. Two days before this day ( so XX/XX/XXXX ) and on XX/XX/XXXX, he informed me that the woman couldn't answer any of my security questions, the last 4 of my SSN, nor the person 's name attached to my account. This was very alarming because the point of security questions are to protect consumers and that's not what was done here. 

On XX/XX/XXXX, I had my mother transfer the only {$130.00} left in my Wells Fargo account over to her personal account because it has now been going on for a week. After my mother transferred the money, a few hours later there was a post on my account for $ XXXX. The person had now done a " deposit item return '' check ( I now know it's some type of scam check ) and knocked my account into overdraft big time. 

I called Wells Fargo back and no answers. My mother and I continued to call them to try to escalate this for days and didn't receive too much help. I continued to let them know that I've been a customer for over ten years holding a checking, savings, and now a mortgage. 

My mortgage is now late without this being resolved and this person has now taken over {$1700.00} from me. 

I did my part by informing them of the theft and turning my cards off immediately. They let the person continue to commit fraud and compromise my information by not closing my account ; now I'm being punished with this not being resolved or even credited because of their employees negligence. 

This has caused a huge strain on my mental health, taken me away from doing my work, and overall access to my money.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXX would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Mortgage

In XXXX my husband and I purchased a mobile home and green tree is our financor. Our payments were prigamally XXXX a month. They have now I creased to XXXX. A month. Our home was only for XXXX XXXX. We ha e been paying for 15 years. Something is n't right. We are getting threats to vacate our home. Calls 7 times a day. It has effected my job, and my health. Something about this does n't seem right this home should have been paid off in XXXX. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C. Sec. 1681a ( 2 ) Exclusions. the term consumer report does not include, any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device.

I also understand that a reinvestation of this report must be made within 30 days of recipet of this letter- 15 U.S.C . Sec. 1681a ( e ), The term investigative consumer report means aconsumer report or portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of theconsumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this Matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect information that's on my credit report. Which relates to late payments. It has been well over 30 days, and I haven't received any investigation results. Listed below are the dates and amounts. 

Credit Bureau : EXPERIAN AND XXXX  XXXX CARD XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 $ XXXX  Monthly Payments XXXX/XXXX  XX/XX/2019 $ XXXX   Monthly Payments
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Account number : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX : Dear XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Debt collection

My agent contacted IQ Data on XX/XX/2019 about XXXX XXXX and spoke with a XXXX XXXX. My agent had requested the correct information be sent being that IQ Data sent another persons information from XXXX XXXX which was completely unrelated to my name, or my spouse. They sent another parties information thats very personally from a rental agreement. Please see attached information. 

My agent sent our POA over to speak on my behalf and my agent requested the right information. My agent also requested why I did not get my right to dispute any debt with their office as allowed under FDCPA regulation with 30 days before reporting to all three credit reports. XXXX from IQ Data claimed it was mailed to me. I never received any debt collection notice to my address prior to IQ Data reporting a debt to all three reporting bureaus. XXXX got mad at my acting authorized agent and would not send any information requested by my agent. My agent requested proof of that letter, proof of a phone call between me and IQ data that never happened. 

My acting agent requested to speak with a supervisor and the supervisor was also uncooperative in sending the correct documentation and proof of the debt. 

Later after the conversation took place IQ Data sent a rental agreement with my information but not evidence or proof of the debt belonging to me or how the debt was accumulated or proven to be my debt. I feel there is several issues here. IQ Data is  acting in bad faith by sending the wrong information of another client unrelated to me. Also, I never received my right to dispute a debt in their office prior to being reported to all three credit bureaus under FDCPA regulations. Also, I feel my character is being damaged and a debt is being held over my head that can not be proven it belongs to me.
Product: Debt collection

I closed my account at Nevada State Bank in XXXX XXXX because I moved out of state. For some reason my bill pay was active and a payment was made from my bill pay in XXXX XXXX to XXXX XXXX for {$120.00} in which I no longer have their service. XXXX, XXXX core processor sent the payment to XXXX XXXX with no funds in the account because it was closed. XXXX has sent me XXXX letters in which I called them and explained the account was closed and they should not have issued the payment and they should get the funds back as I did not request the payment to be made. I received another letter XXXX/XXXX/XXXX from XXXX threatening to send me to collections if I do n't pay the debit by XXXX/XXXX/XXXX. XXXX should not have issued a payment with no funds in account they should have stopped it and I do not feel I should pay. If I have to assist with the return of the funds my time is valuable and they made the mistake. They said their system is set up to pay items even though no funds are in an account. They need a new system and that is their risk!
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this letter it to dispute unauthorized inquiries on my credit report. On XX/XX/XXXX I retrieved a copy of my credit report and discovered 1 inquiry that I have no knowledge of. Because I did not apply for credit with Truist Dealer Services. Inquiry date was made on XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that any of the inquiries is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am contacting you about the compromising of my social security number. I am a victim of Identity Theft. i contacted the Federal Trade Commission and filed a complaint # XXXX. The following items do not belong to me and is a result of fraud that I did not authorize ARE LISTED IN XXXX pdf doc
Product: Credit card or prepaid card

On XX/XX/2021 I went into my Capitol One credit card app to make a payment on one of my credit cards and to find that a bankruptcy was filed under one of my credit cards. I immediately contacted Capitol One to resolve the issue. 3 days later, what I thought was resolved, actually was placed into collections and my card was " Charged Off '', by Capitol One. I have a credit limit of {$300.00} and had a balance of {$110.00}. I had never been late on a payment and now I'm 2 weeks from applying for a mortgage and this could hinder me from getting a mortgage. I've multiple attempts/complaints to Capitol One credit card and they keep giving me the run around. 
I did not file bankruptcy and i shouldn't be having this issue. 

Please advise on what to do next. 

Thank you for your cooperation XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX {$760.00} XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX  XXXX Balance {$1300.00} XXXX XXXX Inquiry date : XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXXXXXX XXXX
Product: Payday loan, title loan, or personal loan

In late XXXX or early XXXX of 2018 I applied for an unsecured personal loan through www.bestegg.com. I requested and was approved for {$15000.00} and my originator is set at XXXX XXXX XXXX. I was sent an email that had the fees and was surprised by the cost to do the loan. I live in the state of Kansas and it is my understanding the origination fee for Kansas residents is 2 % up to {$100.00}. I would like the fees associated with my loan to be reviewed by the CFPB to see if there was any wrong doing in the fees charged for a Kansas resident. I would also like a copy of my TIL and Promissory Note for my records. These documents were never sent to me and are not available through the customer online portal website of XXXX 

Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting for an immediate removal of a hard inquiry that appears on my credit report. Upon reviewing my credit report I discovered an inquiry that I did not authorize or recognize.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I was scammed by my own university. I received an email Monday morning, where a student emailed me regarding a professor searching for paid research assistants. Since the email belonged to our school 's student 's email, I did not question the validity of the email and texted the number given. After that, I spoke with the " professor '' to which they " hired '' me after doing a price comparison test. Then they sent me a check via XXXX  to print and deposit through mobile deposit. With the money, they gave me my first week 's salary and money to buy them supplies. Then they said they found a sales representative via XXXX to send the money. Since I was able to deposit the check, I did not question it and sent the money. However, shortly after they began to ask me to deposit more, to which I had no more available balance left to send. In addition they also asked me for my university ID and password, which I did not send because at this point, I grew suspicious. I then was talking about this with my roommate to which she responded she came across a similar situation, one where it was a scam. That is when I grew anxious because the money I sent was {$2000.00}, and I had to work a whole year to save this amount because my parents XXXX was {$0.00} and I had to raise money to pay off my student loans. Since I was so blinded by this " job offer '' I sent them my whole savings. I immediately contacted my bank and was transferred to the XXXX department, where I opened an investigation. However, it is not guaranteed that I will get my money back. Is there anything that can be done at this time? The professor 's name that was given was an actual professor at my university, but when I emailed her with her contact email, she told me that this was a scam going around. She directed me to a website that showed the EXACT same texts the people scammed me with. It was also absurd to me that the school would not send us mass notifications via XXXX 's email or XXXX 's email to spread awareness of these scams to prevent this. What should I do? Would my school 's financial aid center be able to help me? Especially in this time of financial crisis with the continuing effects of XXXX? Thank you for your time in reading.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I request for wrong spelled names and inaccurate addresses to be removed for my credit. I never heard a response back. I sent a follow up letter via certified mail on XX/XX/2023 and have yet to hear back or see miss spelling of name in correct address even last XXXX of social inaccurate removed. I would like to know when this can be fixed I even tried calling and unable to get through
Product: Debt collection

Regional finance contacted XXXX of my listed references and discusses how much I was behind.
Product: Checking or savings account

I was charged a overdraft fees even after I had linsuffucent funds available. Then they closed my account.
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 ) account # XXXX, XXXX XXXX  ( XXXX XXXX ) account # XXXXXXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXX XXXX account # 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 card

I would ask for special program to try and pay my bill they would have a program for which I could not afford monthly program bill
Product: Checking or savings account

FRIDAY AFTER XXXX  I WAS SENT A TEXT THAT CLAIMED TO BE XXXX EMPLOYEE BUT WAS A SCAM.AT THAT TIME I DID NOT GIVE HIM ANY WRITES TO MY BANK ACCOUNT HE MUST HAVE GOT IT THROW MALWARE TO GET IN TO MY ONLINE BANKING AND MANIPULTED MY BANK ACCOUNT MY THOUGHT AT NOW IS WHY RED FLAGS WEREN'T THROWN UP.MANIPULATING MY ACCOUNTS.AT THAT TIME HE SAD GO TO COMPUTER AND HE WOULD REFUND XXXX CHARGE BACK TO MY ACCOUNT HE HAD MY ACCOUNT PULLED UP IT SHOWED I HE HAD PUT XXXX DOLLARS IN SIDE OF XXXX REFUND.THE PROBLEM IS WHEN I CLICK ON THE TEXTMESSAGE HE HAD MY STOLE MY COMPUTER THRU MALWARE.THEN AFTER HE HAD MADE A XXXX MISTAKE HE DEMANDED HIS MONEY BACK HE CLAIM I HAD STOLEN HIS MONEY FROM FRAUDULANT MADE UP HACKER ACCOUNT.I FILL LIKE THE BANK SHOULD BARE SOME RESPONSIBLITY WHEN MY ACCOUNT IS BEING CHANGED FROM ACCOUNT TO ANOTHER.