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

I sent a letter to Equifax requesting a correction on my credit report. I mailed it via certified mail on XX/XX/XXXX and was received on XX/XX/XXXX. I received a response letter dated XX/XX/XXXX saying that I needed to submit a copy of a driver license and my social security card as proof of identity ( the documents I included were on the list noted in the letter ). I sent a follow up letter on XX/XX/XXXX also via certified mail which they received on XX/XX/XXXX. Both letters included a copy of my driver license and my social security card for identification. Today, I received a letter saying that they can not verify my identity and to mail in a copy of my driver license and my social security card to verify it is me. I have sent the same information twice, but Equifax is not complying with my request.
Product: Debt collection

University hospital of XXXX placed me in collectors for a accident that happened on 2008. This hospital were paid in full due to my case was with a workers compensation and I had a lawyer taking care of all my bills. In doing my taxes I received a letter stating that I owe XXXX to this hospital and they will be deducting the monies from my income taxes return. I have never ever received a letter stating that I owe this hospital however tge Monies where deducted from my income taxes refund.. This is a mistake in there part all bills where paid through my lawyer. I need my XXXX back that they took out from my income tax.
Product: Debt collection

see ID THEFT case XXXX CONFIRMS MY CARD END ( XXXX. ) {$2.00}, XXXX XX/XX/2019 OTHER CREDITS REVERSED?? see attatched USAA COLLECTION ATTEMPTS Account ( XXXX XXXX I HAVE NEVER SEEN OR USED OR AUTOROIZED THIS ACCOUNT EITHER. USAA HAS DESTROYED MY CREDIT.
Product: Checking or savings account

I am a victim of identity theft and I deposited a check without knowledge the check was fraudulent. I applied for a Pell Grant in 2021. I was sent a follow-up email regarding my application. I entered my information on the application follow-up questions on XXXX XXXX XXXXXXXX. Afterwards, I received a check in the postal mail. The letter was mailed to me with a check stating I qualified for the Pell Grant in the amount of {$3300.00}. Since I am a minor, I openend a joint account at Chase Bank with my parents in order for me to deposit the my check. After I opened the bank account, I deposited the {$3300.00} Pell Grant check on XX/XX/2021 and on XX/XX/XXXX, the {$3300.00} check bounced due to insufficient funds. Chase Bank 's fraud department flagged this as a fraudulent activity against me and has now black listed me as a criminal, placed a bad credit report in my name and closed my bank account.
Product: Student loan

I attended XXXXXX/XX/XXXX from XXXX. I secured a student loan for {$9000.00}. I consolidated my loans in XX/XX/XXXX with XX/XX/XXXXat a rate of 8 % compounded annually -annually! I have paid over {$40000.00} towards a {$9000.00} debt. I still owe {$70000.00}. My pay off amount is {$100000.00}. This is extortion, in my opinion. How can this be right? How can this be legal?
Product: Mortgage

Starting on XX/XX/XXXX I received communications from XXXX XXXX ( NMLS XXXX ) along with a dozen other lenders based on an inquiry on lending tree. On XX/XX/XXXX I did more paperwork to pre-qualify. At this time I was still talking and working with at least 6 companies. We had discussed locking a rate understanding they change daily. On XX/XX/XXXX he sent me an email saying he locked my APR rate at 2.681 %. When the paperwork arrived it had an APR rate of 2.862 %. When I asked why I was told XXXX rate and the documents had another XXXX XXXX said he made a mistake and switched the numbers and I should have assumed the quote from 2 days earlier was the current quote even though they change daily. When I wrote back that I expected this quote to be honored he eventually emailed back they have a 2.5 % interest rate for me, that he will resubmit my application on my behalf. Three days went by, I had to keep emailing that I wanted the updated documents. Today I got another email that they dont actually have the 2.5 % rate he quoted me. So twice he has quoted me in writing in email then when I expect to see it in official writing he says actually no. Starting with the original 2.681 APR quote I stopped communicating with other brokers. Ive now spent 8 days of fluctuating rates waiting for Newfi to honor the quote and am now told actually no. This is highly unethical practice. I allowed Newfi to pull my credit and have missed all this time because I expected a mortgage company to honor its written quotes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

US DEP ED XXXX {$7800.00} XXXX XXXX   XXXX {$3700.00} XXXX   XXXX {$180.00} XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$620.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX {$650.00} XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX {$1100.00} COLLECTIONS XXXX {$420.00} COLLECTIONS XXXX {$140.00} XXXX  XXXX {$12000.00} XXXX XXXX XXXXXXXX {$17000.00} XXXX XXXX  XXXX {$180.00} XXXX  XXXX {$390.00}
Product: Credit card or prepaid card

This is XXXX XXXX who is submitting this CFPB complaint myself. SYNCB/CHEVRO is reporting late, yet it is closed and the balance is zero as reported in my 3 Credit Bureaus . Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( SYNCB/CHEVRO XXXX )
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting income on my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/year> Amount {$450.00} Date : XX/XX/year> Amount {$290.00} Date : XX/XX/year> Amount {$150.00} I contacted the company and I was informed that the money could not be returned due to lack of verification that it was or wasnt sent by me. As a result, cashapp closed my account and I had to create a new account.
Product: Checking or savings account

Received text from XXXX stating Truist_ALERT : We cancelled an unusual charge, visit XXXX  : XXXX to verify. I did not click the link I called Truist and they stated if something is wrong with my account they will send it from a XXXX digit number. I am just reporting the fraud so other Truist members arent in the same situation and make the wrong decision and click the link.
Product: Debt collection

I pulled my credit the beginning of XXXX and noticed a collection account from Midland Credit that I didn't know about so, on XX/XX/year> I sent a validation letter that I copied from the CFPB website to Midland Credit asking for validation on the debt they were attempting to collect and reporting on my credit report which I have attached to this complaint. I also disputed the account with the XXXX credit reporting agencies. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all XXXX  credit bureaus so, on XX/XX/year> I sent Midland Credit another letter ( attached ) letting them know they were violating the law by verifying the account with sending me the proof that the account belonged to me including a signed contract, statements or a detailed billing history as outlined in the Fair Debt Collection Practices Act. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all three credit bureaus so, on XX/XX/year> I sent another letter ( attached ) to Midland Credit asking what happened to my debt validation. I made it clear that they can not continue to report or verify a disputed debt because they did not validate it. I asked them to delete the account from my credit report, stop all collection activity and notify me in writing that they have done both. I did not get a response from Midland Credit after XXXX  days so, I looked at my credit report and they we're still reporting the collection account and verified it with all three credit bureaus. Then this week I received a statement from Midland Credit ( attached ) with no information about the debt, no documentation, no proof that the debt belongs to me, just a threat of further collections.
Product: Debt collection

On XX/XX/XXXX I received a letter from Convergent Outsourcing with a XXXX account number XXXX statement bill attached, under federal regulations this does not qualify as a " valid verification of debt ". 
I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. 

In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX  on the debt collection claim before he had mailed XXXX  the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). 

XXXX  maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and American General attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. 

The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX  stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Student loan

On XX/XX/year> Sallie Mae confirmed that the student loan for which I cosigned for my son, no longer qualified for the in-school enrollment plan. At that the time the Sallie Mae representative stated that an alternative option our loan was eligible for was the Term and rate reduction program. I agreed to enroll in this program in XXXX. Three monthly autopay payments in the amount of {$800.00} were required to qualify. Thereby making XX/XX/XXXX the official enrollment date of the program. 
Today is XX/XX/XXXX, and when I called in to Sallie Mae the representative was unaware that I was enrolled in this program. Furthermore, he initially told me I had a past due balance and asked if I was calling to pay the past due amount! This is problematic and frustrating because I don't have a past due amount -otherwise I wouldn't qualify for the Term and rate reduction program. Secondly, every month I've had a similar conversation with every Sallie Mae representative since enrolling in the Term and rate Reduction Program. Not one representative knew the details of my account and payment program until I provided names, dates and payments made. My complaint is that Sallie Mae representatives are uninformed regarding customer accounts. Had I not been aware of the details of the program, I would've thought my Sallie Mae student loan account was delinquent and required additional payment to bring it current. Why do I have to educate a Sallie Mae representative on every call over the past 3 months that I am enrolled in this payment program, which a fellow Sallie Mae representative enrolled us into? Why are Sallie Mae representatives not knowledgeable of the amount and due date for my loans? Why have I enrolled in autopay as part of this program and during that time ( each month ) Sallie Mae has sent letters, phone calls and emails stating my cosigned student loans are past due? Today the Sallie Mae representative recommended I upload my bank statement because the XXXX deduction was not showing in the system as the Sallie Mae system showed my payment due on XX/XX/XXXX. So, how is my Sallie Mae payment late as per today 's phone call or the letter dated XX/XX/XXXX? It's frustrating and stressful to say the least dealing with Sallie Mae and its student loan products to pay for a student loan I cosigned for.
Product: Checking or savings account

On XX/XX/XXXX, I had unknowingly cashed a check online through Chase Bank. The check was sent to me through an unknown person who claimed to have been the accountantof someone I was talking to through XXXX. The check looked photoshopped but I had thought it was too good to be true. The person I was talking to on XXXX claimed he wanted to be my sugar daddy and said he was send me {$500.00} dollars each week as my allowance. I believe fully that I was scammed as the check didnt go through at all, and now I am in the negatives on my checking account.
Product: Payday loan, title loan, or personal loan

Upon checking my creidt report on XX/XX/XXXX I realized an adverse action, with forethought and malice, was furnished to my report, regarding my account ( XXXX ) with Self XXXX. The report shows late payments for the months of XX/XX/XXXX, XX/XX/XXXX, and for XX/XX/XXXX. This decision has negatively affected my federally protected right to extend credit and violates my right to an equitable consumer report. I am also aware that I was supposed to receive a negative information notice in writing no later than 30 days after furnishing these alleged late payments to my consumer report. I have never received such notice. Pursuant 15 U.S. Code 1666b I would like for an executive member of your company to put on a sworn statement of facts that your company sent me, and I did in fact receive such notice with verification of such ( i.e. notice sent, tracking number, dated certified mail with my wet signature ). Without this, there is no proof that reasonable procedures have been followed prior to furnishing this alleged late payment to my consumer report. Please be advised that in regard to these alleged late payments, I am aware that pursuant 15 U.S. Code 1681a ( d ) ( 2 ) a consumer report shall not include information solely as to transactions or experiences between the consumer and the person making the report. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

I am being reported late in XX/XX/2021. The month has not finished. Also, I am currently in forbearance until XX/XX/2021. It's impossible for me to be late when I do not have a payment due until XX/XX/2021 2021
Product: Checking or savings account

On XX/XX/2024, an amount of {$800.00} was sent to an unauthorized individual. In addition, {$1.00} to the same individual was sent as well. Also, on XX/XX/XXXX, there was an additional amount of {$150.00} sent to the same individual mentioned as well. I thoroughly explained that I was not the individual who sent this money and I had to change my login and password credentials to my savings account due to the speculations that someone had compromised my savings account ending in XXXX. I have been communicating with the Wells Fargo and XXXX claims department in regard to this matter. The initial claim was filed XX/XX/2024 and a denial decision was made XX/XX/XXXX by the investigator. During this time, I had to call to check the status of the claim as I was not informed of the steps taken or the reasoning behind the final decision to deny this claim. On XX/XX/XXXX, I faxed over the required documents over to the claim department which consisted of a statement and a police report regarding fraud and identity theft. On XX/XX/XXXX, a decision was made that they would not be refunding my money back from transactions that I had no recollection of. On XX/XX/XXXX, I called once again to follow up on the status of the investigation and the decision to reopen the case as there was never a thorough investigation conducted in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and my XXXX signed a home lease with XXXX XXXX XXXX in XXXX. I was removed from the lease as a cosigner in XXXX, to my understanding. I am a victim of identity theft committed by a close family member. I did not become aware of this until XX/XX/XXXX, when XXXX XXXX XXXX contacted me via phone to collect a debt. I explained I would like a validation letter to see the accusation of debt, and this was not my account ; I was no longer associated with the lessee, nor do I have any business relations with XXXX XXXX XXXX. XX/XX/XXXX : XXXXXXXX XXXX  failed to send the proper documents without any factual evidence or proper investigation. Credit reporting agencies XXXX, XXXX, and Equifax have violated my FRCA rights under 15 U.S. Code 1681i, 605B Block of Information Resulting From Identity Theft. The credit reporting agency has not taken the proper steps to investigate this collection. I have submitted every document to support my dispute, including my current address, my identity, and a FTCA report with the identity theft agency. Still, the credit reposting agency has not provided me with any evidence of their investigation as to why they believe this is my debt. I have since then put a freeze on my consumer report as an identity theft victim report about this matter of my social security being misused and abused without my verbal consent or written notice. Since reporting this matter with the credit reporting agency, this has been an ongoing problem that has brought me stress, XXXX, and suffering. Please assist me with this problem. 



XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Wells Fargo sent my credit card balance of {$1600.00} to XXXX, XXXX and XXXX. I pay off my credit card each month and I never had an outstanding balance. 
My credit limit on this credit card is {$8500.00} and my current outstanding balance is {$0.00}. Due to Wells Fargo careless action I received a notice from XXXX saying they reduced my FICO score by XXXX points due to a high balance. 

From Wells Fargo to XXXX, XXXX and XXXX Your WELLS FARGO BANK account balance increased to {$1600.00}. 
Your balance is the amount that you owe on an account. A high balance may have a negative impact on your Credit Score. 

Resulting action from XXXX XX/XX/2023 Your XXXX  Score has decreased by XXXX points. 
Your XXXX  Score has decreased XXXX points to XXXX. Even though your XXXX  Score went down, your Credit Rating did not so it should not impact your credit worthiness.