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

XX/XX/2022 Suntrust XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request XX/XX/2022 XXXX XXXX  XXXX  - an hard inquiry was made to my credit report. I did not make this request
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to report a serious issue with my credit report. An account that was previously opened using identity theft and subsequently deleted has reappeared on my credit report as of today, XX/XX/year>. 

This fraudulent account was not opened by me and is the result of identity theft. I had previously reported this to the credit bureaus and the account was removed. However, it has now been incorrectly added back to my credit report. 

The reappearance of this fraudulent account is causing significant damage to my credit score and financial standing. It is negatively impacting my ability to obtain credit, secure favorable interest rates, and may affect my employment prospects.

I have already reported this identity theft to the police and have attached a copy of the police report to this complaint for your reference. 

I request immediate action to remove this fraudulent account from my credit report and to investigate why it was re-added after being deleted. Additionally, I seek assurance that this will not happen again in the future. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank youXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, credit score XXXX, XX/XX/XXXX, credit Score listed as XXXX. Within that time period and 120 days before, there has been no negative activity reported on my account, no closed accounts, no late payments or collections, no over the limit notifications or instances. No changes whatever that would cause a drop in score, and such a significant drop at that on any of my consumer accounts reporting to Experian. 

When I reached out to Experian to resolve this issue, they stated that 1, they do not generate scores and they advised me to reach out to both FICO and a private credit counselor to explain to me why my score has dropped. Experian 's confirmed that there has been no activity to my account that would cause a drop in score but that they could do nothing about it since they only report the score, not generate the score. 

I am looking for a correction to my credit score along with an explanation as to why the chang ein score without a change to any consumer accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received notification of a debt collection added to my credit report but have not been contacted by phone or letter regarding the validity of the account claiming to collect. Debt Collector XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Balance {$460.00} In accordance with the Fair Credit Reporting act for the following XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I paid off my mortgage with Suntrust Bank. They were supposed to sent me the remaining Escrow amount of {$14000.00} via regular US postal mail. They told me that the check was sent in the email on XX/XX/2020, but no check was received by me. 

I requested to stop payment and reissue the check but they refused to do it before 30-day after the first mailing of the check. They didn't even want to put a stop payment to avoid possible fraud. They insist on sending the replacement check by same method i.e. regular US postal mail and can't guarantee the delivery or any fraudulent use of  the mailed check. They refused to direct deposit it in an account with Suntrust from which they were taking mortgage payments automatically and the payoff funds were wired to them.
Product: Debt collection

Dear Sir/Madam, I had to choose wrong amount because ont he form it doesn't have a section for re-aging. 

I hope this letter finds you well. I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding a collection account that has been inaccurately re-aged and reported on my credit report. This deceptive practice is causing damage to my creditworthiness and financial stability, and I believe it is imperative that the CFPB investigates and rectifies this situation. 

The collection account in question pertains to XXXX XXXX XXXX XXXX XXXX XXXXXXXX but is now in collection with Central Portfolio Control. Central Portfolio Control has inaccurately reported the date of the account as XX/XX/XXXX when the account with XXXX XXXX was back in XXXX and I believe that this collection account has been re-aged improperly, extending the reporting period beyond the legally allowable time frame. This not only violates my rights as a consumer but also presents a clear case of deceptive and unfair collection practices. 

I would like to provide some details about the situation : The original debt was incurred XX/XX/XXXX, and it should be removed from my credit report after seven years, as per the Fair Credit Reporting Act ( FCRA ) regulations. 

However, I have recently noticed that Central Portfolio Control has updated the date of last activity on this account, making it appear as if the debt is more recent than it actually is. This re-aging has led to a prolonged negative impact on my credit score, making it difficult for me to access credit or obtain favorable terms on loans. 

I have directly disputing the accuracy of the information they have reported to the credit bureaus. Unfortunately, they have been uncooperative in addressing my concerns. 

Given the above circumstances, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Central Portfolio Control and XXXX  XXXX for engaging in deceptive and unfair collection practices. I also request that the CFPB intervene to have this inaccurate and re-aged collection account removed from my credit report, as it is unjustly harming my financial standing. 

I understand the importance of the CFPB 's role in protecting consumers from unfair financial practices, and I trust that you will take this complaint seriously and act swiftly to rectify the situation. Please keep me updated on the progress of the investigation and any actions taken to resolve this matter. 

Thank you for your attention to this issue. I look forward to a prompt resolution and the restoration of my accurate credit report. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Investigation Request to Delete reported data NOT certifiably COMPLIANT and PROVEN VALID and/or not documented as fully true and PHYSICALLY VERIFIED! 

My Address Street Number , Street Name, City, and State is and only is XXXX XXXX XXXX XXXX, Texas XXXX My current Legally acquired lawful Social Security Number last XXXX is and only is XXXX My Date of Birth is and only is XXXX ***ABOVE listed is my FACTUALLY TRUE, VERIFIABLY VALID AND CORRECT CURRENT requisite reporting PERSONAL IDENTIFIERS. Please REMOVE ANY OTHER PERSONAL IDENTIFIERS not mentioned, requisite reported, and or NOT EXACTLY as I have above noted is most appropriate OR ELSE CERTIFICATE your right to report erroneously and or deficient of evident compliance of factual reporting particularly in relationship to mandatory perfect PROCESSES of lawful reporting and the mandatorily perfect and complete correct METRO 2 Formatted compliance of reporting standard ( s ). These are REQUISITES of REPORTING, NOT OPTIONS of lawful reporting so PRODUCE undeniable DOCUMENT certified PROOF of claims and the claims reporting processes and format ( s ) compliant nature or else ERADICATE said claim, be it true or not. DO SO NOW! 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$7700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) | XXXX - {$7300.00} XXXX | XXXX - {$7700.00} XXXX | XXXX - {$7300.00} XXXX  XXXX | XXXX - {$5600.00} XXXX | XXXX - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00} XXXX XXXX  | XXXX - {$0.00}
Product: Student loan

I have attempted to contact my loan service provider MOHELA via calls and email about the administrative forbearance I was placed on in XX/XX/2023 without my knowledge or consent.I currently have {$16000.00} in student loans with {$190.00} in interest as of XX/XX/2023. I am currently on the SAVE plan which has me on a XXXX $ XXXX payment plan and am supposed to have any accruing interest subsidized after a payment date has passed. These payments should be counting towards my full forgiveness after the 120 payments as is part of my payment plan, however that is not the case. Additionally, it is taking over one to two months for MOHELA to respond to my emails about the subject.
Product: Bank account or service

I am writing to complain that I have a basic checking account with Citibank for the past 5 years and they have been offering this thank you points program which my account is not even eligible for. I even have a thank you points account. I was told by the thank you points online chat that I would need to speak a customer service agent on the bank account side. I proceeded to do so and was told by the customer service agent that my account isnt eligible for thank you points since its basic checking. My question is why would you have a consumer who has been a good customer be set up with thank you points account and not give them points nor explain to the customer that they are not eligible yet they have an account for thank you points set up? If you look at the last page of the uploaded documents it says I have XXXX rewards and happily shows me that I have nothing? This does n't make sense?
Product: Credit card

Ive already contacted the company for the past two years they fail to investigate and are not doing their due fill hence. Ive provided police reports affidavits to show I had no knowledge and did not purchase or make transactions.
Product: Debt collection

I've sent validation letters to the creditor asking them to please validate that this debt is mine, on XX/XX/2018. It is now XX/XX/2018 and I have yet to get a response or proper validation. I'm asking that this account be removed from my credit report immediately.
Product: Credit card

I have a credit card with Bank of America. I could n't figure out how I always had a balance carried forward even though I always paid the " current balance '' in full before the due date. 
Then I realized : the bank has set my payment due date BEFORE the end of the finance period, so that unless I do n't use the card, some charges will be posted after I make my timely payment. 
Example : my B of A payment is due on XXXX XXXX. I pay the full balance on XXXX XXXX so as not to be late. In XXXX, I find a 'beginning balance '' amount, on which interest has been charged, for transactions on the XXXX, XXXX, and XXXX of XXXX. They are listed as having been retroactively due with the XXXX payment. 
Is this not dishonest? Sneaky? Possibly Fraudulent??? How many billions do these guys collect in interest from people who think they are paying in full every month?
Product: Money transfer, virtual currency, or money service

On XXXX cashapp took XXXX from my account and XXXX they took another XXXX frome me and said they had an error and I feel it's not my fault they had an error and I would like my refund.
Product: Payday loan, title loan, personal loan, or advance loan

I cant afford to pay it..been outta work since the second week in XXXX. the interest rates are high
Product: Credit reporting or other personal consumer reports

THIS FRAUD ACCOUNT WAS REMOVED OFF MY OTHER CREDIT REPORTS AND EQUIFAX ALLOWED THE FAKE CREDITOR TO APPLY IT TO MY EQUIFAX REPORT AFTER IT WAS FOUND TO BE FRAUD, I HAVE ATTACHED PROOF Hi, my name is XXXX XXXX, and my DOB is XX/XX/scrub>XX/XX/XXXXAddress XXXX XXXX XXXX XXXX Il XXXX Employment : XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX CONCERNING : XXXX XXXX XXXX {$880.00} Im writing because I have been financially and credit wise violated and victimized and not heard or cared about, I am an identity theft victim and fraud victim along with, I have been in over 10 security breaches and my info has been exposed. I have an Active Alert on my credit reports to call my number XXXX before opening any accounts. Its been on my report over the last 10 yrs. MY RIGHTS WAS VIOLATED and not followed through. This company has failed me and opened an account that is not mine and I never Authorized it, this company has no signature of mine on file, this company as no contract or agreement from me, this company has no copy of my ID. This company also charged off & sold a fraud account. When I had to write to the company and have them close the fraud account, they lied and put they closed out the account and then, destroyed my credit for yrs I been battling this. When I had to get the law involved, they then sold my account illegally. The company was paid by the people who purchased the account illegally and then they violated my rights by not sending me a letter or formal letter of any kind stating they purchased a fraud account. The company also reset the dates on the fraud account illegally because I been fighting it for years to get my identity back, the company has violated my rights as a United states citizen and has violated fair credit reporting. The company has called next door neighbors and friends and family stating, I have a court case and giving out case ID numbers pretending to be court clerks when in fact they are collection agencies. I WANT THIS ACCOUNT TO BE PERMANTLY DELETED FROM MY CREDIT PROFILE AND MY CREDIT POINTS TO BE RESTORED. I DONT WANT THE GENIC WORDS OF CONSUMER DOES NOT AGREE. BECAUSE THAT IS NOT HELPING WHEN I AM A VICTIM.
Product: Mortgage

We have been processing a short sale wit h Astoria  and their servicer  XXXX  since  XXXX  of  XXXX . I will spare you all the details of how they lost our documents several times and re-requested items they already had. This is why it has taken a year to process the short sale. The most egregious issue is on  XXXX   XXXX ,  XXXX , a counter offer was issued and the buyers accepted the counter offer. All of the requested documentation was submitted to Astoria on  XXXX   XXXX ,  XXXX . On  XXXX   XXXX ,  XXXX ,  XXXX  indicated they will issue a decision by  XXXX   XXXX ,  XXXX . I contacted them several times to follow-up and finally on  XXXX   XXXX ,  XXXX , the day after the Federal taxes are due they requested a copy of them to continue the review. It should have been out of review by  XXXX   XXXX , according to their timeline. We provided the taxes on  XXXX   XXXX . They indicated this file was not sent to the committee for final decision until  XXXX   XXXX ,  XXXX  and they will take 30 days to review the offer. It 's ludicrous to require another review, since this is the counter offer THEY issued us, and we agreed to it. What is their to review? Today, I received a call from the second lender indicating if  Astoria  does n't approve it by  XXXX   XXXX , the 30 days they set out as their review period, they will rescind their short sale approval and we will have to start over with the entire negotiations. It is completely unconscionable to request a counter offer and when it 's agreed to, indicate you will take 30 days to re-review it. Why would the counter offer be made if it was not approved by Astoria already? It 's not negotiating in good faith or a good way to do business.
Product: Debt collection

LVNV Funding violated my consumer rights by 1. never attempting to contact me concerning this debt. The are legally responsible for providing notice prior to placing the item on my credit report.

2. They have added additional funds to the original owed debt in the amount of close to {$1000.00}. The amount listed on my credit report is not the amount that was owed to the company in which I had the agreement with. 
Finally, according to XXXX  consumer access, LVNV Funding is not legally authorized to collect debts in the state of Ohio. Therefore, the company 's attempt to collect funds is ILLEGAL! 
LVNV funding is known for its predatory tactics. I am demanding that this item be removed from my credit report with ALL bureaus immediately and to no longer be contacted by this company.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app ( Block , Inc . ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and address the fraud, on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute and resolution process was unfair and deceptive, as they did not comply with errors resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions and financial loss, I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I was sent several invitation letters by Discover Credit Card. Each time I have applied I was denied. This has resulted in several hard pulls. I would like the following removed. 


XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and found the following error still remaining on my report. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the investigation period, this item must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. After multiple disputes Experian Credit bureau is currently still reporting XXXX XXXX inaccurate account on my report, account status shows Last reported date is inaccurate, Date of Last Activity is inaccurate, Date of Last Payment is inaccurate missing data and a Collection/Charge-off reporting a balance. XXXX and XXXX recently deleted this account based on the lack of ability to properly verify all reported information being accurate. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA. Experian is not practicing Metro 2 Compliance? These are clear FCRA violation and is grounds for immediate deletion.
Product: Debt collection

XX/XX/2018 - We received a collections letter from National Credit Systems claiming we owe a debt ( see " XX/XX/2018 - Letter from National Credit Systems.pdf '' ). 

XX/XX/2018 - We responded with a letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and followed up with another letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). 

XX/XX/2018 - We received no reply from National Credit Systems and  observe that a derogatory debt with National Credit Systems has been listed on our credit reports with the major credit bureaus. We filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified the credit agencies via certified mail of the unvalidated and false information listed on our credit reports.
Product: Checking or savings account

Good afternoon. I recently went into a branch of US BANK located at ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) on XX/XX/2023. I made a withdrawal from my savings account which brought the balance to {$0.00}. I was told there would be a {$4.00} fee for the account having a XXXX balance during the 3 month billing cycle. While I was speaking with the teller, I voiced my concerns and said I would consider closing the account in the future. 

Today XX/XX/2023, is my payday so I went to look on my banking app for the deposit of my check from work. To my dismay, I found that the account in question had been closed without my written authorization. 

I called back and forth with the bank branch and spoke with the bank manager who was able to reopen the account and request the direct deposit not be sent back to my employer. Unfortunately, due to their " policy '' they were only able to grant me access to {$220.00} of the $ XXXX from the direct deposit from my work paycheck. 

They were able to close my account instantly and stop the funds from going into the account but there were not willing to place a full refund immediately to my account even though they admitted the error was on their part. I am filing this complaint because I needed the funds to pay bills which will now be late. 

This was a very frustrating experience and while they did try, they weren't able to provide any explanation other than it was the bank 's " policy '' to not release the funds until the next business day, which will be Monday, XX/XX/XXXX.
Product: Credit card or prepaid card

I applied for a credit card with XXXX and was approved in XX/XX/2021. I have made calls for months trying to receive the credit card that they state they have attempted to send at least 10x. They tell me that they have not had a card returned by the post office. And when I call, I can not receive the help that I need because they require the last four digits of the card to be entered to talk to someone but I do not have this because I have never received the card. They continue to send me to the lost/stolen department who requires the last four of the card number which I do not have because I have never received a card.
Product: Credit reporting or other personal consumer reports

I have sent several letters and filed several complaints about two XXXX  XXXX accounts XXXX ) XXXX  XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX that Experian is reporting inaccurately on my credit report. I requested several times that they do a reinvestigation and asked that the results are sent to me in the mail and its been several months I have not received anything regarding my reinvestigation in the mail. I am attaching a copy of my letter as well as a copy of my drivers license, social security card and my utility bill for proof of residence.