23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern, My name is XXXX XXXX, I have a mortgage with PHH Mortgage, I am writing this letter because I recently requested mortgage assistance with my mortgage company PHH Mortgage. Upon my request for mortgage assistance much to my surprise I was charged a fee of {$100.00}. I requested the assistance because PHH Mortgage previously sent me documentation that no fees will be charged when requesting for mortgage assistance ( included ). I have reached out to PHH Mortgage regarding the fees charged and PHH has rejected my request to refund my account. I would greatly appreciate it if my District Attorney will please look into this for me. 
Thank you in Advance XXXX XXXX, PHH Mortgage Account # XXXX Property Address : XXXX XXXX XXXX, XXXX AR XXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX when I noticed this acct opened in my previous name & SSN. I filed a dispute with Experian & XXXX  & also a fraud report. THIS IS NOT MY ACCT! I want it off my credit report along with the XXXX & XXXX XXXX hard inquiry that I have disputed twice now!
Product: Checking or savings account

On XX/XX/XXXX I attempted to call Citi and close my checking account, I was told the account was locked and I needed to send a letter asking that my account be unlocked. I sent the letter and received a letter dated XX/XX/XXXX that I needed a notarized signature to close the account because my account was locked. 

I never asked to have the account locked, it was done without forewarning or an opportunity for me to ask the account not be locked. 

As there are no Citi branches in my area, getting a notarized signature will create undue burden and cost. I now must take time away from my job, pay a fee, and mail a second letter just to get access to my funds. 

Additionally, I was not told I needed a notarized signature in my original XXXX phone call, I was told sending a signed letter should be sufficient. 

I am attaching a summary of the phone call with Citi on XX/XX/XXXX and their requirements to activate my account as well as the letter dated XX/XX/XXXX with the additional instructions. 

All I want to do is close my account and Citi is creating significant barriers to doing so.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I received notification from XXXX XXXX that my TransUnion score had gone down XXXX points. When I logged in to the app the change was caused because a collection account for {$410.00} that was previously disputed had been removed, but placed in the closed accounts instead of being totally removed from my report. On today, XX/XX/2023 while viewing my credit report, that same account has been placed back into collections by TransUnion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Experian requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Experian for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint the CFPB stating that my dispute sent to the three bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!
Product: Mortgage

I have been trying for nine months to drop the PMI that we have been paying, even going as far as ordering an appraisal. That appraisal came in at {$410000.00} and the loan amount is {$300000.00}. Ocwen would not drop PMI and insisted that we provide to them contractor reciepts for all work done, and if work was not done by a contractor it could not be considered for PMI cancellation, and PMI would not be because of the market value increase, only improvements to the home can count for PMI cancellation. 

I started this request on XX/XX/2018, by sending an email to Ocwen to cancel the PMI. I was denied, however, I had to place a phone call to inquire about my cancellation request, I was never formally contacted. After speaking with Ocwen I was told to include an appraisal in my formal request, so I ordered an appraisal and spent {$500.00} to do so, and included this in my request. I was again denied and told I was denied because I did not use a certified appraiser, to which I directed them to the last page that showed the appraiser was a Utah Certified appraiser, then I was told this won't work because Ocwen did not order it. I then asked for a refund, to which they offered.

Then I was told to mail in a check for {$110.00} to have my PMI cancellation considered, and told that I needed to provide contractor receipts because the only way my PMI would be canceled is from improvements that I added, not because of the market increase. I did most of the work myself and was told this would not count. So, I did not send in a check and have been exploring my options, and I am currently shopping around to refinance my home.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

this is a violation of 15usc 1681a2 I didn't give written permission to have XXXX XXXX XXXX  XXXX XXXX XXXX, or XXXX furnished on my report.
Product: Debt collection

A company named PYOD LLC is reporting an unpaid amount on my credit report. I did not open the account, I have never received correspondence from them about an account and I have attempted to dispute it to no avail. 

I believe I have been a victim of identity theft. 

Here is the information from my XXXX XXXX credit report : Creditor Name PYOD LLC Account No. 
XXXX Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX Responsibility Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements
Product: Debt collection

I am writing to bring to attention a collection account that was reported on my XXXX XXXX report in the month of XXXX by Jefferson Capital SY. The account is attributed to XXXX, with an alleged opening date of XX/XX/2023, and a balance of {$4200.00}. 

I want to emphasize that I have never opened an account with XXXX or any other service carrier, as I have been part of my family 's plan for as long as I can remember. It is impossible for there to be an account under my name with XXXX. Additionally, I can provide evidence to prove my whereabouts on the day the account was supposedly opened to prove that I was not the one who opened this account. 

I have never received any communication, either by email or mail, from Jefferson Capital SY regarding any attempt to collect a debt. This collection has taken me completely by surprise as I am certain that I have never engaged in any business with XXXX, whether in-store or online. 

The response I received regarding a dispute I submitted through XXXX XXXX was that the information in question was deemed accurate ; however, this situation is now raising suspicions of potential identity theft. 

I want to highlight that my credit has been frozen for a couple years, and it was only temporarily unfrozen several months ago for employment purposes. This recent development has led me to believe that there may have been unauthorized activity on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I received an email from Experian, notifying me of a recent change to my personal information tied to my membership. On XX/XX/22, i contacted Experian where it was confirmed that someone had hacked into my membership and made changes to all my personal information. They were able to help me to place back my prior ( real ) info, however, when I wanted to speak to someone about their processes that led to this breach, i was not able to be passed on to someone of authority, and was given the same standard answer, basically that everything is fine. However, I dont believe things are fine, and that their software could or should be updated to raise a flag, earlier, when a membership has multiple changes, if not all, the personal information ; no one ever needs to make so many changesunless your looking to breach and fraudulently hijack someone membership/identity.
Product: Checking or savings account

In XX/XX/2022, our business checking account was debited about {$12000.00} and it was discovered to be a counterfeit check. We were told to come in to meet with XXXX XXXX at our bank, M & T ( assisant mgr? ) and sign an affidavit, which we did. We were told no police report would be filed. Of course, the theft of {$12000.00} is a felony, which was never reported because, to paraphrase, the police have bigger fish to fry. I was shocked by this. We closed the account and moved remaining balance to another account. In XXXX, I made an appt with the bank manager, XXXX XXXX, to find out what the status of the situation was. An effort was made to recover the stolen funds, of which only {$8800.00} was credited back to our account in late XXXX. We were told this was all that XXXX XXXX XXXX offered. This was the bank that cashed the counterfeit check. After a couple more months, I was notified in an email for XXXX XXXX that no additional money could be " recovered and sorry to the bearer of bad news. '' He also asked if I'd filed a police report. Along the way, I was offered fraud protection services, where I pay M & T so that I can do more work everyday to make sure that cashed checks are legit. I opted out. Felt like insult added to injury. I tried to set up alerts so that I would be notified of transactions over a set $ amount, but alerts are not available on my business checking account. When I asked why the remaining money couldn't recovered, I was told there was a window of 48 hours, a very tight time frame, in which M & T is able to return the suspected counterfeit checks for a full recovery. The discovery of this transaction was outside that timeframe. There is so much that happened and was said to me throughout this process that felt unprofessional, if not possibly against regulation or maybe criminal.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/2024
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights issues with the platform. Despite using Zelle many times and reporting my problem, my bank and Zelle did not investigate my claims correctly. They informed me that recovering the funds was not possible.
Product: Mortgage

My mortgage is in foreclosure because I was laid off from my job over a year ago. I now have a new job plus I will be back at my old job come XX/XX/XXXX. I was originally slated to go back to my old job XX/XX/XXXX but due to funding it was pushed back to XX/XX/XXXX as that is when the new funding cycle starts. I do have a job that I started on XX/XX/XXXX on a year employment contract with another client. Unfortunately the mortgage company has been extremely difficult and refuses to acknowledge my other form of income. My current employment contract was sent to them on XX/XX/XXXX via XXXX, the counseling center I am working with. Instead of them looking at the paper work from the stand point that come XX/XX/XXXX I will have XXXX jobs. They are trying hard to push this foreclosure through so that they can take my home. Mind you the payments are fairly low so with just my new job I can pay the mortgage and they know this. 
We have been diligently trying to work with PNC Mortgage to rectify this matter but I sincerely believe that they are engaging in scrupulous mortgage practices to try to take my home because of the equity that is in it. I have had this home for almost twenty years and have finally gotten to the point where I no longer have to pay interest and all the payments were going straight to pay off the principle balance.
Product: Credit card

Capital One unexpectedly closed this Walmart credit card in early XX/XX/year>. Never have I missed a payment on this card prior. The due dates were confusing as I made a payment on XX/XX/XXXX for {$50.00} for this card and my other Cap One card I had. For some reason the due date on the other Cap One card is XX/XX/XXXX, I assumed the same for the Walmart card. I just logged in to setup two payments as the XXXX is approaching and see that I was charged a {$28.00} fee for a late payment. 

I called capital one and requested that fee to be waived as I have never missed a payment on this card before. They denied the request. I feel Capital One misled me on the correct due date in order to charge what is a 100 % penalty fee. The minimum payment was {$28.00} and the fee charged is {$28.00}. That's a 100 % penalty late fee.
Product: Bank account or service

XXXX appears to be one of the main co-conspirators in the huge RACKETEERING CASE that was given the go ahead to proceed against XXXX and nasty old Bank of America. I have been trying to get the CFPB to do something about this for OVER FIVE YEARS and not even a reply and attempt to help!!! 
I know our very own government is in on all this and that is why the CFPB, OIG, USDOJ and so many others refuse to see the light and take action on behalf of millions of property owners like me who have been totally taken advantage of with wrongful foreclosures and contninue threats and demands regarding phony, forged, fabricated, even " robo-signed '' documents!! 
I hope the new administration will put an end to all this and finally do the right thing. Most people know that XXXX has been acting in a false and misrepreseting way knowing full well that XXXX and XXXX were taken over by our own government in the FHAF and GES that took over these private companies back in XX/XX/2008.
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. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 's.

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 record of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Prepaid card

On XX/XX/XXXX there were XXXX atm withdrawals at a XXXX for XXXX each at XXXX and XXXX this is a pay pal XXXX debit only I had my card the entire time I must have been skimmed at a gas pump or somewhere and my card was cloned and used to withdrawal money! Pay pal denied me saying I authorized this withdrawal. I had my physical card and nobody in the world knows my pin they dont seem to want to look into this very much they just simply denied my case let alone there isnt a single way to speak to a human for a resolution I feel that this isnt right on there part they should value there customer no matter what I use pay pal everyday I load it once a week I just dont know why it seems like they dont really want to look very far into this like contact the atm provider and see the cameras or anything like.. idk
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently working to improve my credit score so I can be approved for a VA home loan, and buy our first home for my family. I have accounts with the three major credit bureaus, so I can monitor changes to my credit scores and reports. On XX/XX/2019, I received a notice from Experian credit bureau advising my credit score and rating decreased. My Experian credit score decreased by 17 points. I contacted Experian customer service on XX/XX/2019 to ask what caused my credit score to go down 17 points in a 30 day time period, so I know what to avoid in the future. I spoke with two different Experian customer service representatives who both said the only activity on my Experian credit report in the 30 days prior was a negative item was removed and I paid my credit card balance down a little. I confirmed that both activities were positive and they both agreed. One of the representatives tried to say it may be  caused from a late payment made in XX/XX/XXXX. I reminded her that this decrease happened in the last 11 days because on XX/XX/2019, my score increased 10 points. Both representatives stated they could not see any reason for the decrease, but both stated they were not qualified to tell me a reason for the decrease. I asked to speak with a supervisor and was connected with an Experian customer service supervisor. The supervisor stated the exactly same information that both representatives told me. Including that she was not qualified to help me and that no one at Experian was, so I would need to call a credit counselor. I advised the Experian customer service supervisor that I have already spoken to one of the paralegals who are advising me of the proper steps to repair my credit, and was told to call Experian. The supervisor told me to call FICO.

I called FICO, and the customer service representative at FICO advised I needed to handle this with Experian because they are the credit bureau who lowered my score, and the people at Experian are the only people who can fix the mistake.

I called one of the paralegals assisting me in repairing my credit and advised her of what I was told at Experian and FICO. The paralegal took another look at my credit report and said she could see no reason for the 17 point decrease of my Experian score. She also said that this is a common problem at Experian.

For someone trying to repair his credit, 17 points either direction on a credit score can be life changing. I have seen steady increases to my credit scores from both of the other two major credit bureaus. But my Experian score has been decreased, seemingly without cause. I do not believe a reduction in my credit score without a reason, complies with the fair credit reporting act.

Any assistance you can give me regarding Experian 's unwillingness to explain my credit score decrease is greatly appreciated. 

XXXX XXXX XXXX