23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have no idea who PHOENIX FINANCIAL INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. PHOENIX FINANCIAL INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/2016. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

XXXX. Provide the contract or other instrument through which [ Alleged Creditor } authorized PHOENIX FINANCIAL INC as third-party collection agent.

4. Provide a true and correct copy of the instrument by which [ PHOENIX FINANCIAL INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).

5. Provide the delegation of authority from the Director of the Office of Management Budget to PHOENIX FINANCIAL INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Graham Leach Bliley Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account # XXXX DELETE THIS ACCOUNT OFF MY REPORT XXXX  Account XXXX DELETE THIS ACCOUNT OFF MY REPORT Inquiry Name. DELETE OFF MY REPORT ( Miscellaneous and public record ) XX/XX/2022 U.S. Code, 15 U.S.C. 1681 et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.

All of these accounts below YOU ARE BREAKING THE U.S FEDERAL LAW 15 USC 1666 ( b ) Billing error : law states late payments shouldn't be reporting without my CONSENT!!!

15 USC 1666 ( a ) Timing or payments A creditor may not treat late payments on a consumer report for any purpose 15 USC 1681b Permissible purpose : by law you have no permissible purpose to contact 3rd parties with my privacy or personal information XXXXXXXX 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 XXXXXXXX Delete late payments off my consumer report!!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious concern regarding the handling of my personal information by Capital One, which appears to be in violation of the Privacy Act, the Fair Credit Reporting Act ( FCRA ), and relevant sections of the United States Code ( USC ). 

Despite previous written requests submitted on XX/XX/2024 and XX/XX/2024, I have not received confirmation of the removal, deletion, and blocking of certain erroneous information from my credit profile. Furthermore, I have opted out of any and all third-party unaffiliated information sharing, yet it seems this preference has not been honored. 

According to the Privacy Act and the FCRA, consumers have the right to request the correction or deletion of inaccurate information in their credit reports. Specifically, under the FCRA ( 15 U.S.C. 1681 ), financial institutions are required to ensure the accuracy and privacy of the data they report and share. Additionally, any opt-out requests must be respected as per the guidelines set forth under the USC and associated consumer protection laws. 

I was never provided the total information needed to opt out any reporting and I never received instructions on how to opt out. I am exercising my right to opt out to any non-affiliated third party reporting including XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

XXXX : ** Discrepancy in Credit Report and Unchanged credit score I am writing to bring to your attention a concerning issue with my credit report and credit score that I have observed across the three major credit bureausTransUnion, XXXX, and XXXX XXXX 

Despite making multiple on-time payments on my credit cards, my credit score has remained unchanged. This situation is perplexing as I have consistently managed my credit responsibly and expected my credit score to reflect these efforts. 

Additionally, I have a tradeline reported by a company named XXXX, which, according to TransUnion, has been successfully reported. However, there seems to be a disconnect, as my credit score has not reflected any change. TransUnion provided me with a case number for this issue : XXXX. 

I kindly request that you look into this matter as soon as possible. It is important that my credit report accurately reflects my financial activities, and any discrepancies be addressed promptly. 

Please let me know if there is any additional information you require from my end to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX, 2021 - My mortgage payment ( {$2600.00} ) was submitted to XXXX XXXX 3 XXXX, 2021 - My mortgage payment posts XXXX XXXX, 2021 - Specialized Loan Servicing ( SLS ) purchases my loan from XXXX XXXX XXXX XXXX, 2021 - I contact SLS to arrange payment for XXXX XXXX. SLS representative tells me my mortgage will be 30 days delinquent XXXX XXXX, and I will be reported. I explain there is a mistake and attempt to make payment, the representative hung up on me. I called again, was able to make payment. SLS maintained I was delinquent. 
XXXX XXXX, 2021 - My wife and I call multiple times and are hung up on, and given incorrect, conflicting statements from SLS. SLS does not acknowledge the XXXX payment was made. We provided a copy of my bank statement showing payment was made. They do not acknowledge the error. 
XXXX XXXX, 2021 - I notify SLS by certified mail of the error. 
XXXX XXXX, 2021 - XXXX receive a letter from SLS indicating I would need to mail a different office. 

I have attempted countless times to notify SLS of the error in my account. I have requested a corrected loan history showing correct application of payments and calculation of interest. I have received no acknowledgement or commitment to correct the situation.
Product: Credit reporting or other personal consumer reports

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 Subject : Request to Remove Student Loans from Consumer Reports Dear XXXX XXXX XXXX XXXX and XXXX , I am writing concerning the student loan account XXXX, associated with my name, XXXX XXXX, and my address as provided above. 

Recently, I received a XXXX form which indicates that a portion of my debt was canceled. The IRS has accepted this cancellation, and I have duly paid the necessary tax implications associated with this form. 

Given this, I kindly request that you update your records to reflect this accepted cancellation and subsequently remove the mentioned student loan from my consumer reports. As you might be aware, accurate reporting is essential to ensure that all individuals can benefit from the true reflection of their financial situations. Removing the loan from my report will help me in my future financial endeavors, and I believe it's a fair request considering the debt cancellation has been accepted by the IRS. 

I would appreciate your timely attention to this matter. Please provide written confirmation once the loan has been removed from my consumer reports. If you require any further documentation or details regarding this, please feel free to contact me at XXXX XXXX I have also attached a copy of the XXXXXXXX XXXX XXXX 

Thank you for your understanding and cooperation. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently, after viewing my credit report this account has been open and closed off each bureau within ( 8 ) days they have fraudulent open and closed this account. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the FCRA requires consumer reporting agencies ( or CRAs ) to conduct a reasonable reinvestigation to determine whether disputed information in a consumer 's file is inaccurate. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. Remove this information immediately!!! XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I paid this debt {$350.00} for an old XXXX bill however they still have the debt on my credit but change the total to {$340.00}. I am submitting a copy from the debt collector ERC which took over the debt from XXXX. I am asking this to remove this from My credit report as I have already paid. Please see attached copy from my bank statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got this account that does not belong to me and i want to be remove from my credit asap. 

1. Identity Theft BK OF AMER Account Number : XXXX This is not mine.
Product: Checking or savings account

My account was closed because the business i set up was under a XXXX " XXXX XXXX XXXX XXXX " which does not matched my name. I opened the account with my first two check that i got. I was already advertising and working with my XXXX. I opened my account at my local wells fargo bank. with no hesitation they took my money and deposited. other to say that very conviniatly for the back the teller that opened up my account summited my social security and i tin number incorrectly. two week later i got a latter in the mail stating that my account had been closed XXXX XXXX 2014. since then I 've been calling for three years non stop to get my funds back i have talked to many representatives and have given them XXXX certificate a copy of my drivers license, rent with my business name. i still have no luck. i will take all matters into consideration because is a form of theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax with the attached letter, to notify them that XXXX XXXX, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as Equifax refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from XXXX XXXX XXXX attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at XXXX XXXX XXXX request by the Court. Please see the attached motion. I have tried to correct the error with both XXXX XXXX and XXXX XXXX XXXX Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. XXXX XXXX, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, XXXX XXXX is providing false information, and Equifax, has material evidence which is more than sufficient.
Product: Student loan

I am a XXXX XXXX at the XXXX XXXX XXXX XXXX  ( XXXX ). I have a Direct Consolidation Loan that is serviced by XXXX XXXX XXXX XXXX. My employer, the XXXX, has a student loan repayment program ( SLRP ). As part of the annual application process for its SLRP, the XXXX gives me a loan data verification form that I am required to forward to XXXX, so that XXXX can confirm certain details about my student loan. This XXXX form, together with the XXXX XXXX cover letter, asks XXXX to return the completed forms directly to the XXXX, either by mail, email, or fax. I submitted this XXXX form to XXXX  on XX/XX/XXXX, using their " File Upload '' feature on my account portal. Three weeks later, XXXX still has not supplied this information to the XXXX. I have contacted XXXX  multiple times, both by email and over the phone, and they keep telling me that it can take them 30 business days or longer to process such a request. I do not believe it is acceptable for XXXX to take so long to process such a simple request for information. In fact, last year, in XX/XX/XXXX, XXXX faxed the completed form to the XXXX the very next day after I submitted the request to XXXX. They are now either incapable of providing a minimum level of customer service to the borrowers whose loans they service, or they are deliberately trying to impede my ability to accelerate repayment of my loan through the XXXX XXXX SLRP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. er FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately : 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 or other personal consumer reports

I am writing to dispute and request an investigation into the inaccurate information reported by XXXX XXXX on my credit reports. The accounts in question, held with XXXX XXXX, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by XXXX XXXX has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.
Product: Student loan

In XX/XX/XXXX, I entered into a payment agreement with Navient, I would make monthly payments on the XXXX of each month for 14 months. In XX/XX/XXXX, my debit card was stolen. I wasn't sure if I would need to change my card number if Navient. On XX/XX/XXXX, I knew my payment had been processed so I called and updated my information. The payment was processed on XX/XX/XXXX and each month following my payment was paid. I got a delinquency notice in XX/XX/XXXX, my mother said her credit score had decreased because of Navient. I called and the man did a research request on my account to discover what the problem was because he could see my on time payments. I got a letter that said I had not been making full payments but I had been in accordance to my payment agreement. I called again on XX/XX/XXXX and the woman said when I updated my payment information in XX/XX/XXXX, she put in a request to have the payments corrected however would not give me any kind of confirmation of this. I asked for a copy of my payment agreement and she said it couldn't be sent out until XX/XX/XXXX and to not make any additional payments on the account outside of what I had agreed to last XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a charged off account ending in XXXX
Product: Student loan

My son supposedly has XXXX private loans with the Navient. XXXX of them is being paid via my checking account every monthly. XXXX of them is in default, and Navient calls my house at least 3 times a day, my husband 's cell phone at least once a day, and my son 's present employer leaving messages for him to call. They will not provide proof of the Loan. They say we took out a private loan and that {$27000.00} plus was issued to my son on XX/XX/XXXX. We simply asked for a copy of the Promissory Note along with the endorsed check because we do n't feel that this money is owed. We have asked for a complete reconciliation of all debts owed so that we can look at options on our end for consolidation. Each time someone calls, its a different person, about a different account, no reconciliation forthcoming as that is always someone 's else 's department, and no proof as requested. I have written numerous letters on behalf of my son. My son and I have called Navient on many occasions in an attempt to settle this matter, and we yet have any resolve whatsoever. I need a total amount owed for everything, Private, Federal, subsidized and unsubsidized. A settlement offer, if you will, so that we can make these people go away. Right now, all they want is {$80000.00} paid by XX/XX/XXXX or they are going to turn this over to another source of collection. We are not allowed to check but one box in each of your categories in this form, however, if I could, I would be checking everything! NAVIENT is horrible.
Product: Credit reporting or other personal consumer reports

I am writing to formally express my dissatisfaction with the multiple attempts made to correct the late opening of my account with your company. I believe that the repeated efforts have not yielded the desired results, and I am left with unresolved issues. 

I initially contacted your customer service department to address the tardiness in opening my accounts. Despite my efforts and the subsequent attempts made by your team, the issue persists, and it has caused significant inconvenience and frustration. 

Despite these multiple efforts, the matter remains unresolved, and I find it necessary to escalate this complaint formally. The late opening of my account has not only affected my ability to use the services promptly but has also resulted in [ mention any specific consequences or difficulties you have faced as a result. 

I request a thorough investigation into this matter and a prompt resolution. Additionally, I would appreciate regular updates on the progress made towards rectifying the situation. 

If this issue is not resolved satisfactorily within the exact timeframefrom the date of this letter, I may have no choice but to explore alternative avenues to address this matter, including filing a complaint with relevant regulatory bodies. 

I believe in a fair and prompt resolution to this matter and trust that your company values its customers ' satisfaction. I am hopeful that this complaint will serve as a catalyst for addressing and rectifying the issues surrounding the late opening of my accounts. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX XXXX
Product: Checking or savings account

I reported a fraudulent charge on my debit card on XX/XX/XXXX and its XX/XX/XXXX and my bank is telling me they need more time to investigate the charge but are refusing to give me a credit or even acknowledge that I submitted the dispute on XX/XX/XXXX, even though I provided them with proof of correspondence with the support team.
Product: Credit reporting or other personal consumer reports

In the month of XX/XX/2023, I try to purchase a vehicle for work and my credit was ran which had outdated and wrong information and according to article { 15 USC1681E B } as a consumer I have been wrongfully done and would like for this to be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected consumer pursuant to the Fair Credit Reporting Act. did not give any Consumer Reporting Agencies permissible purpose pursuant to 15 USC 1681b to furnish any alleged debt on inquires on my consumer report. Each violation in this subchapter results in {$1000.00} for the consumer. Reporting this information is fraud and you are civil liable for all damages because of this fraudulent activity.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>2024 I contacted a young lady on XXXX named XXXX  for plane tickets since she does half off deals, the plane ticket I needed to buy was for XXXX to XXXX XXXX with a layover in XXXX, the total cost of the ticket at the time ( XX/XX/year>2024 ) was around XXXX, I would send her XXXX for her to purchase the ticket and handle the other half of the cost. I have proof of all interactions with the lady and proof of disputes, I sent her XXXX on XXXX XXXX ( this is the amount Hunnington Bank is demanding I return back ). I then sent XXXX through my Bank account and the remaining XXXX through my other bank account XXXX The woman I was working with refuses to refund the money. Today XX/XX/year>2024, I have not gotten a single penny back from Hunnington  or XXXX  because the transactions appear legit even though I have proof of her stating she is no longer working with me and I do not have the plane ticket either, I have filed disputes with both Huntington and XXXX Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

Ive talked to multiple Amex managers and they claim that the dispute team is being unfair, I first returned my product to the merchant XXXX XXXX XXXX XXXX for {$2000.00} that was purchased XXXX XXXX from a return label they sent to me and added it to the box with the XXXX XXXX XXXX inside and sent it back. At first the merchant argued that the weight of my package was XXXX therefore I contacted XXXX and got a receipt for the package being XXXX and I will insert it right here. I also provided the return label matching what they sent me to return with the weight literally matching. 



After that now the merchant is claiming they have no proof of me returning the merchandise and they never received any content but they are the same merchant who emailed me telling me they have received my merchandise and I will be receiving a refund in a few business days. 


Now my last question for this merchant is if you claim I sent trash and you received something I want picture evidence right now of what I sent with my tracking number and name on the box because every shipping label has and tracking number and name on label so I can be sure you guys are telling the truth because this is unacceptable for me to be blamed with no pictures or proof or anything just word of mouth. Im providing all these documents and the merchant is just sending documentation with no proof. Im not paying this merchant if they can confirm a picture of my box that came in. Please Amex help me take care of this as you can see if I have alot of documentation proof and countered every single thing the merchant said.