23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by a person named XXXX XXXX from National Credit Systems, stating that I had a debt in their office due to collections. I confirmed my name with her, and I asked what debts she was referring to. She never asked me to confirm any other information such as my date of birth before providing me with medical information. She then proceeded to tell me that I had a debt from Texas XXXX as well as 5 other debts from XX/XX/XXXX XXXX XXXX XXXX, gave me each debt amount, the date of service and the providers name. and the account number for all the accounts. I told her that I needed to see this information in writing and asked her for a letter of validation. she said she would notate the account and request for me to have a statement sent down showing the breakdown of all the charges. I gave her the address and she assured me that she would make sure that this was not going to be reported to my credit until I had a chance to see the letter and verify everything. on XX/XX/XXXX, I got notification that 5 new collections had been reported to XX/XX/XXXX A debt from XX/XX/2016 for XXXX to XXXX XXXX XXXX XXXXXX/XX/XXXX, a {$21.00} debt to XX/XX/XXXX XXXX XXXX XXXX, another debt of {$170.00} to XX/XX/XXXX XXXX XXXX XXXX, a {$25.00} debt to XX/XX/XXXXXXXX XXXX XXXX and a {$24.00} debt to XX/XX/XXXX XXXX XXXX XXXX. I never received any letter in the mail before the dumping this to my credit not even 2 weeks after contacting me. This is a violation of HIPAA regulations as well as the Fair Debt Collection Practices Act. also, National credit Systems continues collection activity on accounts they did not validate within 30 days as specified under Texas Finance Code. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to the validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XXXX XXXX they are still reporting the account on my credit. Which puts them in violation of various state collection laws.
Product: Checking or savings account

I was hospitalized on XX/XX/2018 to XX/XX/2018. When I was released from the hospital I discovered that my debit card was used without my knowledge or authorization. I contacted Wells Fargo and filed a dispute about the charges. 

I provided them two different letters from my Doctor about this time period. Wells Fargo has stated that they know I was in the hospital and yet because someone used by card with the pin number that I must have given them permission to use my card. 

At no time during this time frame did I ask anyone to use my card or authorize anyone to use my card during this period I tried to explain this to Wells Fargo but they refuse to listen to me. 

During the time I have been dealing with Wells Fargo they have told me that my dispute is from {$4000.00} to as high as {$8000.00}
Product: Student loan

This complaint concerns a private student loan held by XXXX and serviced by Great Lakes. I began paying on this student loan in XXXX XXXX. From XXXX XXXX to XXXX XXXX I made every payment and additional payments worth about {$5500.00}. I made additional payments because of my plans to get a XXXX ; by making payments ahead I hoped to avoid making payments while enrolled as a XXXX student. Before describing the substance of this complaint I note that I had another student loan which I paid entirely during the XXXX period. I was scheduled to begin graduate school in XXXX XXXX. 
In late XXXX I called Great Lakes to ask about deferment. In particular I wanted to know if my best option was to go onto deferment or wait until the time in which I was paid ahead ( at this point, about XXXX years ) was over and then go on deferment. I explained that I was enrolling in graduate school and wanted to avoid payments if at all possible. 
The customer service rep explained that I should go on deferment and any period in which I was paid ahead would simply be begin at the end of my deferment period. In other words, after deferment I would still have roughly XXXX years in which no payments were required. 
In XXXX of XXXX Great Lakes informed me that I was out of deferment and I would have to resume making payments ; they explained to me that the payment clock resets after deferment and any time in which I was paid ahead is nullified because of the deferment. The customer service rep I spoke to in XXXX had apparently provided me with bad information ; I had been told my " paid ahead '' period would begin after my deferment ended but now, according to representatives at Great Lakes, this is not the case. 
I am in the curious position of being paid several years ahead on a loan yet simultaneously having monthly payments. Because I am still a XXXX student I struggle to make the monthly payments ( I should be done within XXXX months to a year ). 
I feel that this situation is largely the fault of Great Lakes. I was told bad information by a customer service representative in XXXX the thousands of dollars that I paid ahead have all but vanished now. 
Great Lakes has been non-responsive to my requests. I have been unable to contact anyone in the company besides front-line employees. I believe that because I am paid ahead on my loan by XXXX dollars, and because Great Lakes has given me bad information, I should be given a period of time in which I do n't have to make payments or perhaps I can make reduced payments.
Product: Prepaid card

I purchased a gift card for {$100.00}, on XX/XX/2015 and was lost. So I reported the lost gift card on XX/XX/2015 and to this date XXXX XXXX, 2015 have not received the replacement cad. 
Please see attached receipt and the numerous calls to the company @ XXXX which has not been productive in getting our money back with a replacement card. they answer the phone with " XXXX XXXX ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Problem with XXXX, Equifax, and XXXX XXXX. There is a credit account with XXXX XXXX with Account Number XXXX. This Account says 'closed by credit grantor. ' I sent a dispute letter and two other letters disputing their actions. This account can not be mine because an account I had was resolved ( years ago. I do not evidence ) because fraud was detected. The company allowed someone else to use my card and the account was closed. I never had a card with {$3300.00} at any time. My complaint with the three agencies is ; they refused to give or produce information that was submit that made them place a negative mark on my credit report. In other words, XXXX gave the three companies information/documentation in which they believed this to be my account and the information give was true as to the account amount owed. They need to show that information or delete the false information. If, the company ( XXXX ) does not want to deal with this false information, why is the three agencies dealing with false information. At this point I am only asking for a deletion. This negative effect and affect needs to stop.
Product: Mortgage

XXXX XXXX has the most incompetent customer service I have ever experienced with a financial services institution. I have made in excess of 15 phone calls, sent 3 emails, and used their live chat twice over the course of two weeks trying to get a straightforward answer regarding the process to get an insurance claim check to which they are a co-payee endorsed and returned to me. I have yet to receive any useful response. I am ashamed to be a customer of theirs and will quickly be looking to refinance away from them. They clearly employ unqualified and untrained customer service people in this department that are incapable of performing basic servicing requests.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent letter to the follow companies asking them to validate debt with signature or copy of my identification I observed on my consumer report : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX Dept of ED/Aidvantage  acct # XXXX XXXX XXXX XXXXXXXX acct XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX, XXXX, XXXX, pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested.

Debt wasn't validated which makes those companies in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - " Failure to validate alleged debt ''.

Sent a CEASE AND DESIST LETTER 15 USC 1692cI ceasing communication, still no avail. 

On XX/XX/2023 I sent a letter to all 3 consumer reporting agencies asking to correct my personal information. That my name, address, phone number, and employment was incorrect, included was a copy of my Driver License, Social Security Card, and Proof of Address. XXXX and XXXX both came back with my personal information being validated. The incorrect is as follow : Names Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX XXXX XXXX XXXX I also asked all bureaus to validate all the accounts above per : Fair Debt Collection Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

XXXX XXXX XXXX XXXX was removed/Deleted from XXXX but not XXXX and XXXX meanin

g the information on my consumer report is incorrect. Debt of Ed/ Aidvantage was removed from XXXX but not XXXX and XXXX meaning the information on my consumer report is incorrect. 

Treatment of Inaccurate or unverifiable information : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an items of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information.
Product: Debt collection

Im am a victim of fraud, identity theft. Im am a victim of the Credit Bureau Breach. I remove inaccurate report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

On the XXXX of XXXX I wrote to Experian via mail detailing to them my unfortunate event. I have not heard back from the company and have not received any updates to my account pertaining to the removal of the fraudulent information. I have included with this complaint my letter sent to Experian letting them know I had been defrauded, along with the FTC report, an identity theft report and my personal identification needed to identify me. I would just like this thing over and done with and my credit rectified as soon as possible. This circumstance is inconvenient and a lot! I also left in the letters provided to Experian my id card because I had no other way of proving my residence because I have no bills. My social security copy is also included in the attachment section along with my FTC identity theft report, FTC fraud report number as well as any other information I could provide. I would like this account blocked and deleted.
Product: Mortgage

XX/XX/. Given wrong increased property taxes info. I sent a screen shot showing the correct decreased amount. After three phone calls, five holds and one hang up I finally got it corrected. I was originally told that once the new decreased property tax was confirmed, I would receive a refund check for the difference. The refund will be held in my escrow account for almost a year now. {$500.00}. On top of that the company told me that XXXX XXXX Assessor sent the wrong property tax info. Lie. As a XXXX Vet of almost XXXX XXXX XXXX on SS, I find this very disturbing. Freedom Mortgage giving out loans to Vets with inaccurate info after the loan is completed. We have been with them for years and customer service is terrible.
Product: Credit reporting

There were dispute comments within my report that I had initiated. I would like to have MY comments removed from my report, and Experian is refusing to do such. They state that it is now up to the creditor to remove XXXX initiated comments. The creditor had nothing to do with these comments, so I 'm failing to see the logic in why they would need to be the ones to remove those comments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by FACTUAL DATA ANY OTHER COMPANY, and including the XXXX, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. XXXX  is the only out of 3 agencies that have not put the freeze as requested, that both XXXX  and XXXX  did, and this in addition to several other inquiries started after the XXXX  data breach publicly known.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently received a copy of my transunion credit report and noticed multiple unauthorized hard inquires, to my credit file i did not give permission for anyone to grab a copy of my credit report, my credit report was frozen and Transunion gave credit card companies access. these hard inquires seem to be fraudulent.
Product: Credit reporting or other personal consumer reports

I sent a letter to Equifax and XXXX about these inaccuracies on my credit reports for my XXXX XXXX account and they completely ignored my letter. They are also both reporting incorrect 30 day late payments, which never occurred, and need to also be removed/corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

About 1.5 months ago, I applied for a credit card with XXXX XXXX to improve my credit score. I've read and have been advised that getting a credit card would actually boost my score. So after applying, XXXX XXXX approved me for {$1000.00} by issuing me a credit card. Then around the end of XX/XX/2023, XXXX XXXX reported to XXXX and TransUnion ( and perhaps XXXX ) that I was issued the card/credit. I expected that would happen, with the expectation that it would ultimately increase my credit scores. However, the reality is that both XXXX and TransUnion actually decreased my score, XXXX by XXXX points, and TransUnion by XXXX. I called XXXX XXXX, first, to check into the matter. They advised me to contact the credit reporting agencies. So I then contacted TransUnion. They told me there's nothing they could do to increase my score at this time and that it would take some time for it to go back up XXXX points. I then asked them why my score was lowered XXXX points by applying for credit through XXXX XXXX, whereas they only lowered my score XXXX points when I applied for credit with XXXX XXXX XXXX. They told me that there's a bigger ( negative ) impact on my credit score with XXXX XXXX because they're a bigger company. 

I'm livid. I not only applied for credit because I needed extra cash, but also with the notion that my credit scores would actually improve. This business practice is misleading. How is it that major credit card companies PLUS these credit bureaus tell consumers to take out more credit to improve their scores when, in actuality, there is a price to pay -- i.e., major decreases in their scores at the onset due to hard pulls on their credit reports? Had I known about this shady practice, I would NOT have applied for credit at XXXX XXXX 

As a result of this, I now have to wait a long time for my scores to go back up. And when I checked XXXX XXXX 's simulator, it indicated that paying off my credit card within 6 months would only increase my TransUnion score by XXXX points at best, if at all. 

There's something so wrong with this. I feel I've been cheated.
Product: Credit reporting or other personal consumer reports

A lender attempted to pull my credit report from Equifax. They were unable to pull my report because, they were told, there was a " fraud freeze '' on my account. 

I called Equifax and asked them about the problem. They told me there were " discrepancies '' in my personal information but they could not tell me what kind of discrepancies ( I was told they were not visible to the customer service agents and that the problem was " internal '' ). I was told that, until they are resolved, neither I nor any creditors could access my credit report. 

I was then told that, in order for Equifax to resolve these so-called internal discrepancies, I would have to mail a copy of my driver 's license and social security card, along with a letter " consenting '' to have the discrepancies resolved, to a XXXX XXXX in XXXX. I asked to speak to a manager and he told me the same thing.

Given Equifax 's egregious past failures to protect consumer 's privacy and sensitive financial information, I am alarmed and concerned to be asked to mail identity documents to them in order to resolve an internal problem they can't even share with me. Moreover, to have the documents sent to a XXXX XXXX with would be risking identity fraud. Equifax was deaf to my concerns and insists that my credit report will remain blocked until I submit the requested documents.
Product: Mortgage

I am victimized by identity theft. The fraudulent Activity happened on XX/XX/2018, which I did not make any transaction to this company. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Debt collection

I have NO knowledge of this debt/collection. I am in fear that this company and or collection agency has stolen my information and identity. This collection began showing on my consumer, rental history, and credit report between XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. i would like this item immediately re-investigated. the inaccuracies are highly injurious to my credit score. 
XXXX XXXX, Acct # XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Please provide the name and business address of each individual whom you verified the above, so that i may follow up. Please send an updated copy of my credit report after your re- investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initiated a complaint against XXXX  XXXX XXXX in ( XX/XX/2022 ) questioning whether I agreed to a payment arrangement that destroyed my good credit. I made this complaint to the three credit agencies, EQUIFAX, XXXX AND XXXX who came back and verified that I indeed agreed to a payment arrangement that destroyed my good credit without providing information on this verification. There is no evidence with my signature and/or voice recording that will substantiate a verified claim. So how did these agencies verify this complaint?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer SSN : XXXX, Consumer XXXX : XX/XX/XXXX, Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Information consists of : A Inquirer : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, NJ XXXX | Phone Number : XXXX Inquiry Date : XX/XX/XXXX : A XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX | Phone Number : XXXX | Inquiry Date : XX/XX/XXXX : A XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, CA XXXX | Inquiry Date : XX/XX/XXXX.. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : XXXX -Attached below are supporting documents -Copy of US Passport XXXX Proof of Identity ) -Copies of a Bank Statement & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report -A Letter formally detailing the information of my dispute
Product: Student loan

Contacted by Navient ( XX/XX/XXXX ) about student loan I apparently co-signed for my wife ( at the time ). Requested proof, they said they've been sending it to me, but I've not seen any. I told them to quit calling. 

Contacted by XXXX XXXX XXXX in ( XX/XX/XXXX ) about same loan. Requested proof. They sent me the application / contract that was supposedly faxed from the school to Sallie Mae ( Loan was from XX/XX/XXXX ). 

I have a problem because they sent the cover letter ( # pages whited out ), application ( signed XX/XX/XXXX ), and contract ( Copyright XX/XX/XXXX ). Further, while the application has the fax headers, the contract does not. It's clearly been pulled from some other file to be included with this one. I can't imagine this to have been done unintentionally, as the contract would have been included with the fax. Someone thought enough about it to alter the cover letter, hiding the # of pages in the original document. I find it troubling, that a company currently involved in a lawsuit regarding unethical ( at best ) behavior would conduct themselves in such a manner. 

I would like to point out that I'm named as the co-borrower on this loan, and the primary ( XXXX XXXXa ) passed away in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting inaccurate information with Experian, XXXX, and XXXX. 

Experian is reporting Status Date XX/XX/2018 with positive payment history from XXXX XXXX, but late XXXX and XX/XX/2018 with positive payment made on XX/XX/2018. 

XXXX  is reporting Status Date XX/XX/2018 with positive payments from XXXX XXXX, but late XXXX and NO PAYMENTS HISTORY for XXXX and XXXX. 

Please remove/deleted this account per the Fair Credit Act 611