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

Sir or Madam : To whom it may concern The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. Account XXXX XXXXAccount XXXX XXXX XXXXFraudulent inquireXXXX XXXX XXXX Date Filed XX/XX/XXXXXXXX XXXX Date Filed XX/XX/XXXXXXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report.

Sincerely, XXXX XXXX SS # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX
Product: Credit reporting or other personal consumer reports

I have zero derogatory entries on my credit report. 
Why are there multiple disparaging swings in my credit score despite no derogatory activity? 

Is there a problem with their systems whereby they are erroneously reporting low credit scores for certain consumers? The financial industry relies on their reporting to be accurate to determine the financial worthiness of consumers and the below tracking trend will prove there is a real internal problem happening with my score tracking. 

I want to know if I am targeted? 

The CFPB should investigate this system wide with TransUnion and demand answers for each and every score change over the last 7 months on my credit report. I want each score change to be explained as I am prepared to pursue litigation. I have documentation proving the below trending scores as well. 

I also opened a dispute with TransUnion # XXXX which the company has never responded to despite the multiple calls I've made for updates. 

Please see the following score changes and explain.. 

What changes occurred on my credit report between XX/XX/XXXX and XX/XX/XXXX that justified a XXXX drop, XXXX rise and another XXXX drop over the course of 4 days? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What changes occurred on my credit report that warranted a XXXX point drop in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What changes occurred on my credit report that warranted a XXXX point increase to my score in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted an XXXX point decrease in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted a XXXX point increase in XX/XX/XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX What specific changes occurred on my credit report that warranted a XXXX point decrease in XXXX hours from XXXX XXXX XXXX XXXX? 
XX/XX/XXXX score XXXX XX/XX/XXXX score XXXX Please see the attachment which indicates no derogatory alerts or changes were rendered during these drastic score changes.
Product: Checking or savings account

Navy Federal Credit Union closed my account after accessing my credit report without my permission I would like for it to be put in the house
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I submitted an application for the XXXX plan over the summer. I went in to Mohela to check on the status because I had gotten a past due notice and I was not enrolled in XXXX but in an different payment plan. I sent a secure message asking why I was not enrolled in XXXX and in deferment because of XXXX 's current legal status. They responded that it was to complicated to discuss by email and I needed to call in. I have called repeatedly and am on hold for hours. 

Now my account is being transferred to a new system, so I can not view it and can not get someone on the phone. I wanted to submit a new application for XXXX since Mohela 's website does not let you see past applications and was concerned they would say I had not applied. Since my account is being transferred to the new system, I could not submit a new application online. 

I faxed a new application along with my paystub today since today is the deadline just to be safe. I have a saved copy of the fax coversheet confirmed it was sent and a copy of what I sent. 

Could you help me resolve this so I can enrolled in XXXX  and payments are deferred? 

Thank you, XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DIGITAL FED CREDIT UNI Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting

Hi i applied for preapproval for a new home mortgage and was informed by the lender that after reviewing my credit history i had 31+ late payments on my current mortgage. this caught me completely of guard. on speaking with the current mortgage holder ( XXXX, XXXX XXXX XXXX ) i found out what the problem was. it was down to a veriety of things. 
1. in the early 2000 's i declared bankrupcy but thankfully kept my home in the process. Chapter XXXX however as i had done this the lender informed me that they could no longer contact me due to this. 

2. i missed a payment which resulted in a late charge and this was compounded out over time to result in me missing more or less all my payments. this is due to the fact as they place monies in suspence and because of this the monies were not posting to the right place at the right time thus showing a late payment. 

3. Of course I was none the wiser of this and in fact was paying over and above my mortgage every month for a number of years now. but they are still asking me to pay interest on the outstanding balance. So not alone did they not inform me about the error in the first place but now they are asking me to pay this balance in order to remove this of my credit report. in my opinion this would be akin to extortion. 

i am very unhappy with this impass and I need help in order to get this fixed. Can you help? neither the lander or the credit reporting compand are being helpfull in this case and i feel that i have nowhere else to go.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed severalI recently received my credit report and noticed several inaccuracies that do not belong to me and affecting my life in the most detrimental way possible and creating undue hardship.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the handling of Zelles disputes, particularly in the light of CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle a significant amount of times and reporting discrepancies my financial institutions and Zellefailed to investigate my claims adequately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged off two federal loans XX/XX/2005. One for {$11000.00} and the other one for {$30000.00}, which appears on my credit report. However, I settled both accounts for {$6000.00} and was informed by GC Services, third party debt collection agency, that the account on my credit will change from charge off to settled which should reflect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer representatives from PNC from the XXXX number that collect credit card payments told me that if I make the payments in the XXXX and XXXX is that what keep the account up to date and I wouldn't fall behind. Turns out that was wrong advice and I was very surprised when the account ran 30 days past due because it's never done that because I've kept up with it. Customer service gave me wrong advice as far as the minimum payments That's why the account fell behind or I would have made sure I kept it as current as possible. Please remove the negative information from the credit report as I'm in the process of trying to purchase a home and it could be detrimental to the credit report. Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

I have made a transfer that was incorrectly flagged by OFAC and taken out from my account by Bank of America. The only communication I received from the bank is that my money are taken out and phone number to contact OFAC.

I followed OFACs instructions precisely and applied for license to release funds, 8 months later I received a response that no funds are blocked in my name.

I contacted Bank of America for at least 5 times, and spend more than 6 hours on the phone, however the only suggestion they offered is to file a claim that I did, including letter from OFAC stating the fact of no funds blocked, but BOFA returned it as invalid since this was not an ACH transaction, but " bank adjustment '' There is literally no one in customer support, who understands the process of how to release blocked funds that were kept XXXX due to some mistake on the bank side and no one is being held accountable for that.
Product: Mortgage

I made a payment of {$1000.00} to be applied to principal in addition to my regular mortgage payment XX/XX/2016. DiTech financial applied as an additional mortgage payment, not to principal. I 've contact them via telephone and email and they simply send me letter telling me that they are reviewing the matter. They still have not applied the additional payment to the principal as of XX/XX/2016.
Product: Mortgage

I want a payoff statement on XXXX XX/XX/year>, so I went to Freedom Mortgage site of payoff subsite. I didn't know until I clicked it and it was processed that there is {$30.00} fee. The fees are listed in a separate subsite not where the request page is located. this is unfair. Freedom Mortgage should disclose the fees on the payoff request page.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX/XXXX.
Product: Debt collection

I disputed a collection with XXXX regarding XXXX XXXX that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$380.00}. I contacted XXXX and they do not have a record of this under my name, I have not had XXXX service since XXXX. If this debt was valid which I believe to be untrue, the SOL would have expired in my State of Michigan. I have never received any communication from this creditor, it simply appeared on my credit report which they should have validated the debt with me. I wrote to them and asked them to remove this from my credit reports immediately and provide proof of said services. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and request of validation. I reached out to them also by email this week, I have proof of delivery and again received no response. If this was on one of their own credit reports, they would react in a timelier matter.
Product: Credit reporting or other personal consumer reports

Please see attachments for XXXX XXXX  Self-Attestation letter signed by my XXXX XXXX Case worker, and victim letter listing accounts to be deleted. Also attached are documents for proof of identity. 
The items you requested to provide via the letter you sent me. 
1. Self attestation letter signed by agency 2. Proof of identity ( Drivers License ) I also provided a copy of my bank statement to help with proof of identification.
Product: Student loan

I completed an IDR application when they were opened by Federal Student Aid. Mohela acknowledge the application. I should have then been moved into a processing forbearance. They did not. I called. They falsely claimed that they could not due to guidance from the Department of Education. The problem is that the DoEd confirmed via phone and accessible to anyone on their website that this is not true. Mohela is hiding behind a false understanding of a federal court case that enjoined the SAVE program. They are using this as an excuse to deny borrowers a remedy to their current inability to actually PAY THEIR STUDENT LOANS. I am requesting movement from SAVE and Mohela acknowledges this application. therefore, I should be granted the Processing forbearance immediately.
Product: Debt collection

my information was used to open credit accounts in my name without my consent. Ive been a victim of the XXXX XXXX XXXX which exposed my personal information as well making it easy to be victimized of identity theft. These accounts listed below were obtained and tried to be opened without my consent. My information was sold and bought illegally because I was a victim of the + XXXX breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. Also It Appears That These Items On My Credit Report Has Turned Into A Charge Off But I Noticed You Never Sent Me A 1099, Would You Be So Kind To Send Me A 1099 For A Cancellation Of Debt Of This Item Due To My Financial Hardship. TransUnion FRAUDULENT Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent TransUnion a letter requesting that they reinvestigate or delete Family Support Div XXXX XXXX from my credit report. As of this date, They have failed to respond to my request. A copy of my original letter is attached for your review. 

The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing Their investigation. They have not followed the stipulations of the law. 

Because this has caused me to suffer damages you can't even imagine I will contact the Federal Trade Commission and advise them of Their apparent disregard for consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding LLC continues to report INVALIDATED and FALSE information on my credit report. They have added a collections debt onto my credit stating that I owe the amounts of {$1500.00} & {$1100.00}. I have reached out to this company three times by letter in starting in XXXX of 2018. I have let them know that this debt does NOT belong to me and that they need to prove by validation that I am responsible for this amount LVNV Funding LLC allege. They have yet to produce any proof that I am the owner of this debt. This right for validation is afforded to me by the Fair Credit Reporting Act. They have not produced any legally binding commitment from me the alleged original party. That includes no proof of contract, e-signature, verbal agreement or any of the sort relating to prove that this debt they purchased elsewhere belongs to me. Attached are their very insufficient responses to my dispute in which they produced a screenshot of charges made by someone that is NOT proving to be me.
Product: Credit card

I am writing to file a complaint against American Express for what I believe to be unethical practices in handling my credit card account. For nearly 14 years, I have relied on American Express for benefits promised with my card such as : airport lounges access, warranty protection, and protection from unscrupulous merchants. Unfortunately, my experience with the company has been marred by various instances where I was not protected or supported by American Express, resulting in financial loss. Further, American Express on occasions has been unable to provide lounge access, or denied warranty claims using false justifications ; which were later paid when proof additional proof was submitted. 

Recently, I contacted American Express to express my dissatisfaction with their services, particularly the inability to utilize airport lounges, which is a primary reason I hold the card. During this call, I was frustrated with the response I received, and threatened to cancel. As many customers do, I attempted to haggle for a reasonable offer that would offset the losses from American Expresss repeated failures. But at no point did I give explicit verbal or written authorization for the cancellation of my card. Nor was I aware that terminating the call would result in the card being cancelled, similarly to a forced opt-in policy ; which upon request- they can not provide documentation to support. Such a policy was never clearly communicated to me in writing, or on the call and was vaguely referenced as All Rights Reserved in the cardmember agreement; when I asked how I should know this is the aXXXX American Express would take. 

Hours later, when I tried to address this issue with American Express, I was informed that they operate under a policy where they cancel cards when you infer interest in cancelling ; under the broad umbrella of " all rights reserved ''. I find this approach deeply concerning, especially given that this significant action was taken without any explicit communication or notification. 

Upon reaching out to resolve this situation, I was presented with the option to reapply for my card, which comes with a fee of {$650.00}. Considering that I had renewed my card in XXXX and it was unexpectedly terminated in XXXX, I feel this is both unfair and unreasonable. The pro-XXXX  amount for the unused period effectively amounts to a {$320.00} loss on my end, which I see as unjust enrichment on American Express 's part. 

I kindly urge the CFPB to investigate this matter. Specifically, I believe a XXXX window should be allowed for card reinstatement in cases where explicit consent for cancellation has not been provided. Companies should be held to a standard where clear communication and explicit consent are prerequisites for actions that have such significant implications for the consumer. 

Thank you for your attention to this matter. I hope that this complaint will lead to a thorough review of such practices and ensure that consumers are treated fairly and transparently. 

Sincerely, XXXX XXXX
Product: Debt collection

I have attempted to reach Phoenix Financial Services on numerous occasions regarding this debt that I allegedly owe for {$1900.00}. I never had an account with the original creditor and have also received no response from them when asked to show documentation or a signed contract. I know that I have no signed contract with Phoenix Financial Services nor did I authorize them to open an account in my name. It is illegal to add unverified and/or inaccurate information to a persons credit profile. With that said I am demanding that Phoenix Financial Services provide original signed contracts that prove they are attempting to collect a debt from the correct person, proof that they are a licensed debt collector in the state in which they are attempting to collect from along with their license number AND proof that they have the legal authority to represent the original creditor in legal matters. 
If these things can not be provided I will be handing this over to my attorneys and seeking any and all remuneration under the law as this entry on my credit report is unlawful and has damaged my credit rating.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments.