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

I am writing this complaint to inform the CFPB, Equifax and XXXX that I am a victim of identity theft. XXXX XXXX is a consumer pursuant to 12 CFR 1022.3 ( f ). Pursuant to 12 CFR 1022.3 ( g ) the term identifying information means ANY name or number that may be used, alone or in conjunction with any other information, to identify a specific person. Pursuant to 12 CFR 1022.3 ( h ) the term identity theft means a fraud committed or attempted using the identifying information of another person without authority. Equifax and XXXX is a credit reporting agency pursuant to 15 USC 1681a ( f ) and they have used my personal identifying information without consent or authority to do so. pursuant to 15 USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. pursuant to 15 USC 1681b ( 2 ) a consumer any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. Fact, pursuant to 12 CFR 1022.3 ( i ) ( 1 ) ( ii ), identity theft report means a report that is a copy of an official, valid report filed by the consumer with a Federal, state, or local law enforcement agency. I am aware and have proof that I am a victim of identity theft. ( proof uploaded ) Equifax and XXXX is in violation of 15 USC 1681b ( 2 ). I never given Equifax and XXXX who is a credit reporting agency written instructions to furnish a consumer report on my behalf. congress mentions in 15 usc 1681 ( 2 ) and ( 3 ) that Equifax and XXXX is a CRA that assumed its roll as congress said they are and elaborate mechanism. Equifax and XXXX has no authority as must abide by federal laws and has assumed a role in containing my personal information without and using it without my consent. I hereby demand Equifax and XXXX to provide me with the documents bearing my signature with the written instructions to furnish a consumer report on my behalf. I am a victim of identity theft and my personal identifying information was used by Equifax and XXXX without authority or consent, to commit fraud and furnish a consumer report on my behalf.
Product: Mortgage

I was offered a trial modification by my servicer - Carrington. I accepted the offer. The first payment was due in the month of XXXX. As a member of the XXXX XXXX XXXX XXXX, I received 30 day XXXX in the month of XXXX. None-the-less I called Carrington to make the XXXX trial modification payment over the phone. Carrington refused to take the payment over the phone but instead demanded that I send via XXXX XXXX. Because of my service I explained to Carrington that I would have limited access to XXXX XXXX and I faxed my XXXX. Carrington stood firm in their unreasonableness. I was able to get to a XXXX XXXX office on XXXX XXXX, but Carrington refused to accept the payment because they claimed it was late. My Authorized XXXX Party representative called Carrington on XXXX separate occasions - XXXX XXXX, XXXX XXXX, and XXXX XXXX, 2015. The purpose of each call was to determine whether or not there was a scheduled foreclosure sale date. Each time the Authorized XXXX Party Representative was told there was not a foreclosure sale date. Carrington completed a foreclosure sale on XXXX XXXX, 2015. At the time of the foreclosure sale I remained out-of-town due to the XXXX mentioned above.
Product: Mortgage

My primary residence was foreclosed on XX/XX/XXXX.  VA paid the debt and assumed the loan, that I had with Wells Fargo Bank N.A.  Wells Fargo sent me a 1XXXX form for XX/XX/XXXX taxes.  I should have also received a 1XXXX to cancel out the debt per the VA, due to the fact that they paid the whole loan off  plus some.  My original loan was for $XXXX and Wells Fargo is stating on the XXXX   form that I am liable for $XXXX.   Fair market value of the property is $XXXX.  The VA recommended me to contact me to let you know what is going on. I contact Wells Fargo on XX/XX/XXXX and spoke with the Escrow Department about the 1XXXX and the 1XXXX form.  The young lady stated," In 7 to 10 I may get a new XXXX   form without box 5 checked holding me liable for repayment of the debt or a XXXX form".  This is not the first time I have had a problem with Wells Fargo.  Earlier in XX/XX/XXXX the residence in question was supposed to sale go up for foreclosure and it did not because Wells Fargo forgot to publish the sale in all the local news papers.
Product: Debt collection

I have submitted letters to the credit bureau to remove this from my credit report and to stop contacting me.
Product: Money transfer, virtual currency, or money service

A theif stole five payroll checks that were made payable to me, ( XXXX XXXX XXXX ). They were able to cash/ deposit the checks without me being present in the transaction. Also, the checks were not properly endorsed, in order to be a third party transaction. The checks literally only had a a mediocre forgery of my name without my prefix ( XXXX ), which I definitely do include in my signature. The institution/banker did not require the criminals to provide a valid form of identitifaction from the original payee, so the checks were processed without my consent. The checks were not flagged for failing to correctly endorse the checks to a third party according to US laws. So all in all wells Fargo helped criminals ( bust ) five checks in one of there institutions, and they are refusing to compensate me for this terrible occurrence. They also are withholding vital information needed to press charges and move forward in the police process. I've been led on for about a month now. My checks were cashed on XX/XX/XXXX and XX/XX/XXXX of 2023 it is now XXXX and wells Fargo has yet to provide me with a reasonable solution to allowing this type of fraudulent activity to take place. I. Had to be in a homeless shelter for weeks before finally being able to afford and apartment, and even then l, I am falling behind only bills and responsibilities do to this devastating loss. Five checks were fruadently processed by wells fargo in total; amounting to around $ XXXX {$4000.00} in total. Wells Fargo still fails to make any attempt to compensate me for their mistake
Product: Debt collection

I am being contacted that I owe a company money who I never heard of, it is for a product I bought once but paid then and there so I 'm confused to the price of what it is saying i owe.
Product: Student loan

My personal information was shared with non affiliated third party violations breached without consent therefore not liable to pay back loan
Product: Credit card or prepaid card

I have been charged a late fee for the last three months, even though I made my payments of the due date. Your bank has changed the time, or began to enforce the time the payment was due to XXXX. I was never notified of this change and I made the payments on the date they were due. Three months of late fees were incurred, damaging my otherwise good credit. I want U.S. Bank and the C.P.F.B. that this is a predatory action. The date the payment is due is the date that it is. I do not believe the day ends at the time that U.S. Bank states. I do not get out of work until XXXX and it is still the same day as when I went to work. If I had known that at XXXX it became the next day, I would have made the payment the day before. Why would I want to pay a late fee for three months in a row when making the payment on the day it was due? I have been a good customer to U.S. Bank for many years through the XXXX card and these actions make me question the good intentions on U.S. Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made a dispute with Transunion on XX/XX/23 for fraudulent credit card creation from XXXX XXXX that I have absolutely no knowledge of that I found on my credit report. I found out on XX/XX/23 that my dispute of fraud credit card got denied, so I got on the phone with a Transunion agent to file another dispute, and found out on XX/XX/23 again that my dispute got denied. I got on the phone again today XX/XX/23 to file a dispute about this, but I am afraid if it keeps going on like this, Transunion will reject my dispute again and I am going to be in a loop of constantly filing dispute and over-time, my credit will falsely be harmed, because there is already a charge of $ XXXX on that card and it is under my credit.
Product: Student loan

This is related to closed complaint # XXXX. On XX/XX/XXXX, MOHELA responded that they " reviewed the Consumer Financial Protection Bureau ( CFPB ) complaint, regarding the processing of your request for a refund of payments made within the XXXX administrative forbearance period. As of this writing, our records indicate that MOHELA is further reviewing your account to determine the appropriate amount to be refunded for additional payments made during the XXXX period. We are working diligently to facilitate this process within the coming days. '' I submitted the following information to MOHELA on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX amount back to my student loan balance, MOHELA has not provided any updated details on my refund request besides responding to my XXXX complaint on XX/XX/XXXX that they submitted the refund request to Treasury on XX/XX/XXXX. Why was this information not provided in response to my CFPB complaint? If they submitted the request 5 months ago, why are they still determining the refund amount? Since XX/XX/XXXX, I have repeatedly requested a financial transaction history from MOHELA but they have not been able to provide any transactions before my loans transferred to MOHELA. Because there is no place on the MOHELA website to provide this information, I am opening a new complaint so I can submit the only available documentation I have to try and resolve this issue. For each payment, I have submitted a redacted copy of my bank statements which show evidence of my payments for the exact amounts that I requested refunds for 8 months ago. I also have attached an account summary still available on XXXX. I am no longer able to access my XXXX account online.
Product: Credit reporting or other personal consumer reports

I am disputing the following negative items that continue to appear on my credit report : XXXX XXXX XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX - {$0.00} XXXX XXXX  - XXXX - {$340.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX - XX/XX/year> These items remain unverified despite my repeated attempts to dispute them. I have submitted multiple requests, provided detailed information, and followed all proper procedures, yet no corrective action has been taken. This lack of resolution has caused me significant financial difficulty, and the stress from dealing with this issue has deeply affected my mental and physical health. It is unjust to leave these inaccuracies unaddressed while they negatively impact my life. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and transparent credit report. These unresolved items are a direct violation of my rights, and I request immediate attention to investigate and either verify or remove these negative entries from my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$120.00} Transunion, XXXX, and XXXX is falsely reporting this account on my credit profile, This account does not belong to me.
Product: Checking or savings account

In XX/XX/year>, XXXX XXXX allowed a deposit into my account. I called them to let them know that I did not do that and they allowed the bank to take that payment away from me because it was a fraud. Now I can not open a bank account with Chase Bank or any other until I pay them that amount that was put in my account by XXXX XXXX. The amount was XXXX dollars that I could not get their help for. So I'm out that amount if I want my checking account back. XXXX XXXX  was contacted numerous times concerning this but I never could get them to actually help me.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$16000.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1700.00} XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

On XX/XX/23, I requested and received from Chase Bank an email with a coupon code to get up to {$900.00} for opening a new checking account and a new savings account, then fund the savings account with {$15000.00} within 30 days of account opening, and make a direct deposit to the checking account within 90 from account opening. The offer is valid through XX/XX/23. 

The email from Chase has a coupon code to provide to a banker if opening the accounts at a Chase branch. The email also has a green box to click on to open the accounts online. Below the green box is the statement " Coupon code applied when you click Open both accounts. On XX/XX/23 I clicked on the green box the email and opened my new checking and savings account. I've funded my savings account with {$15000.00} new money on XX/XX/23, and will have a XXXX XXXX from Social Security to my checking account on XX/XX/23. 

On XX/XX/23, I sent a Secured Message to XXXX to confirm that the coupon code was automatically applied to my accounts like it should be. A rep responded that my accounts did not have any coupon code applied to them, and it was past the 21-day limit for the rep to apply the code manually. 

On XX/XX/23, I called Chase Customer Service about the issued. A rep took all the information then passed the call to her supervisor. The supervisor opened a ticket to have the case researched by someone higher up. 

On XX/XX/23, I received a call from Chase rep telling me that the issue has been passed on to the Banking Team to apply the coupon code and they would get back to me within 3 to 5 business days. 

On XX/XX/23, I called Chase Customer Service to inquire on my case because I still haven't heard back from the Banking Team. I was told that the coupon code still has not been applied to my accounts. 

I want to have this issue resolved by having the coupon code applied to my accounts. If Chase needs the code from the email that Chase sent to me, they can contact me and I'll provide the code over the phone.
Product: Credit card

On XX/XX/2023, I received an email from Bank of America ( XXXX ) for a XXXX XXXXXXXX XXXX XXXX XXXX credit card. The offer was {$750.00} cash back after spending {$5000.00} in 90 days. 

I decided to apply for the card and followed the instructions on the email, which was to call a XXXX XXXX XXXXXXXX to apply at XXXX. 

I did that, and spoke to XXXX XXXX ( XXXX ) He asked me to forward him the email showing the offer I received, which I did on XX/XX/2023. 

I applied over the phone, and he explicitly told me that I would receive the {$750.00}, and to ignore what the terms on the actual application said. 

I was approved for the card, and spent {$5000.00} as required by the offer, but I only received {$300.00}. 

I tried to reach out to XXXX XXXX multiple times ( XX/XX/2023, XX/XX/2023 ) via email but was unable to reach him or get a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a Federally Protected Consumer and I know I'm protected by the FAIR CREDIT REPORTING ACT. EQUIFAX AND XXXX XXXX XXXX appear to both be Violating my F.C.R.A rights by furnishing and reporting Inaccurate Information on my Equifax credit report. XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX is furnishing to EQUIFAX " DUPLICATE ACCOUNTS '' but with different balances, with negative information late payments, and showing a false installment account total of {$31000.00}. Having these duplicate accounts with false inaccurate damaging information reporting on my credit report has stopped me from extending credit which is my FEDERAL RIGHT to operate in commerce. I only want at this point is to have BOTH accounts furnished by XXXX XXXX XXXX AND REPORTED BY EQUIFAX DELETED IMMEDIATELY PER THE FAIR CREDIT REPORT ACT so I can have a fair and equitable to me credit report which is my FEDERAL RIGHT. These duplicate accounts are clearly in Violation of the F.C.R.A I'M ASKING FOR THE CFPB TO ENFORCE THE COMPLIANCE OF THE CONSUMER FEDERAL PROTECTION LAWS ESTABLISHED BY CONGRESS.
Product: Credit reporting or other personal consumer reports

Midland Credit Management- XXXX XXXX XXXX Has the accounts open on all three account-XXXX, XXXX and XXXX XXXX I have dispute them and they have remained on my credit reports. Plus they continued to leave this on my credit report and it's been over Ten years! They undated the report every year as if its a new report! This was supposed to be removed over three years ago! I NEED YOUR HELP PLEASE!!!!!! 

XXXX XXXX
Product: Debt collection

This letter is regarding account #  XXXX , which you claim I owe {$280.00}. This is a formal notice that your claim is disputed.  <P/> I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I h ave ( o r ever had  )  some contractual obligation to pay you.  <P/> Please also be aware that any negative mark found on my credit reports ( including  XXXX ,  XXXX  and   XXXX    ) from y our company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act FDC PA 807 [ 15 USC 1962e ] ; the refore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.  <P/> Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.  <P/> Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for  : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection   Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.  <P/> For the purposes  of 15 USC 1692 et  seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.  <P/> Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.  <P/>  XXXX   XXXX
Product: Mortgage

Hello, my mortgage was transferred from XXXX to Nationstar Mortgage on XXXX XXXX, XXXX in the amount of - {$140000.00} and escrow balance of {$1000.00}. I sold my property and closed on XXXX XXXX, XXXX and the payoff figure was {$140000.00}. Nationstar pulled a payment of {$1000.00} ( {$250.00} for escrow + {$820.00} for PI ) on XXXX XXXX, XXXX which would have been for XXXX, XXXX. According to the payoff statement from Nationstar, interest was calculated for XXXX XXXX to XXXX XXXX, XXXX. I received an escrow balance check of {$1300.00} XXXX {$1000.00} + {$250.00} ) and another check for a portion of overpaid amount, {$1200.00} XXXX I am not sure how this amount was calculated ). 
Not figuring any escrow balance refund ( since this is straight forward ), I have summed up the following : - {$140000.00} transferred loan {$820.00} payment for XXXX ( PI ) {$140000.00} wired payoff amount - {$350.00} overpaid interest ( since this loan was paid off on XXXX XXXX, I believe I overpaid interest amount of {$350.00} ( 20 days x {$17.00} per diem interest from payoff statement ). 
The net is {$1500.00} and I got a check for {$1200.00} ; so I am short by {$380.00}. 
I have called Nationstar ( now called Mr. Cooper ) and tried to resolve dispute but either they are not responsive or they disconnect the call without doing anything. I need help please in resolving this matter. Thanks. XXXX
Product: Debt collection

Eastern Revenue Inc XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX Alleged Debt Owed : {$54.00} Original Creditor : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In aacordance with the Fair Credit Reporting Act Macys/Citibank N.A.has violated my rights refernt to account # XXXX XXXX USC 1681 Section 602 A States I have the right to privacity.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writen instructions. 

See more detaills at letter attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint to the credit bureaus and they put fraud alerts on my credit file without my permission and without a telephone number. Preventing a very important loan from advancing today. I want you the alert removed immediately.
Product: Debt collection

On XX/XX/2018, I was notified that XXXX XXXX XXXX bought a debt from XXXX XXXX. I had made payment to this debt on XX/XX/2018. They have appeared on my credit report and this is, in turn, affecting my ability to build credit due to their fraudulent claim.
Product: Credit reporting or other personal consumer reports

I froze my credit earlier this year due to the XXXX XXXX XXXX data breach. I tried to unfreeze my credit on Experian 's website, however, customers can not open Experian 's website without pulling their credit report ( which one can not do if their credit is frozen ). I tried calling their customer service number ( XXXX ), but no matter what option selected, you are told you can not speak to a live person. On their website, it says a pin is no longer required to unfreeze credit reports. On the automated system, it states a pin is needed to proceed to unfreeze or you must mail a letter. I mailed a certified letter via USPS to Experian, which was received XX/XX/year> ( tracking XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I am still unable to access my credit report. 
I want to apply for new jobs, and this is a severely impacting my ability to do so. Unfreezing my credit on XXXX and XXXX only took a few simple steps. Please help!
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report and they maybe fraud related. 
Consumer credit reporting agencies haven't removed them. 
XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Also I have asked for my any and all previous name be deleted except for the one on my current driver 's license.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit