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

Subject : Fraud Dispute and Immediate Blocking Request Under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ) Dear XXXX XXXX Department, I am writing to formally dispute fraudulent accounts that appear on my credit report and to demand that these accounts be blocked immediately under FCRA 605B ( 15 U.S.C. 1681c-2 ), ( a ). I have been a victim of the credit breaches and identity theft, and the following accounts do not belong to me : XXXX XXXX Lowes XXXX I have also filed a formal dispute regarding these accounts through the Consumer Financial Protection Bureau XXXX CFPB XXXX and have included a copy of my FTC Identity Theft Report to substantiate my claim. Under the FCRA, I am requesting the immediate blocking of these accounts from my credit file to prevent further harm to my creditworthiness. 

Supporting Documentation FTC Identity Theft Report- Copies of my government-issued identification Actions Requested Immediate Blocking of Accounts : As required under FCRA 605B, subsection ( a ), these accounts must be blocked from my credit report without delay. 

Notification of Actions Taken : Please provide written confirmation once the fraudulent accounts have been removed or blocked from my credit report. 

Failure to comply with these legal requirements will result in further action, including additional complaints to regulatory agencies and potential legal remedies. 

Please direct all correspondence regarding this matter to the address provided above or via the email address listed. I appreciate your immediate attention to this matter and look forward to the resolution of this issue. 

Sincerely,
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history with XXXX  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 ( MONTHS REPORTING LATE ) 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.

TRANSUNION 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
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This HARRIS & HARRIS account with a balance of {$290.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and Right now I am getting an alert on my XXXX XXXX  and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding, they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they have NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. 
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Checking or savings account

Check # XXXX, drawn on the account of XXXX XXXX XXXXXXXX in the amount of {$3500.00} was processed and cleared on XX/XX/2023. 

Check # XXXX was deposited into my PNC account on the same date. 

On XX/XX/2023, PNC withdrew the funds from my account. 

PNC never returned the funds to XXXX XXXX XXXXXXXX. 

Despite numerous telephone calls and in-person visits to PNC, and the passage of 2 months, they have never even reached out to resolve this problem. I am a customer of 40 years with large deposits in my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX and XXXX XXXX Account # XXXX, has violated my rights.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Been disputing and no resolution please remove all negative feedback
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past several months I have been attempting to recover from several instances of identity theft. Despite paying for a premier fraud monitoring plan with XXXX, I didnt become aware of the thefts even as it continued until I applied for a business loan and was denied in XX/XX/2021. 

Seven years ago I knew a few accounts were delinquent following a divorce and my ex wife not following our settlement agreement despite the judges reprimands. Accounts under my name were paid late as a result and I knew the seven years were up based on personal memory, bank records, and lawyer fees and our divorce date. 

I didnt expect to see car loans and hospital bills and an eviction from the recent past. XXXX got in the way and did everything it could to hinder the next steps in recovering from the identity theft. 

1. There isnt a dedicated fraud specialist. And there isnt any inside assistance provided on how to best coordinate a response. I never got one email from a fraud specialist answering my questions. 

2. No one told me that I had potential insurance for identity theft related expenses until after I had performed much of the work on my own and had done so without any expert advice that the insurance claims it would pay for. But its highly unlikely anyone ever receives this assistance because I had a reservation of right letter emailed back to me just a matter of days after I submitted my initial request for a lawyer and to be reimbursed several hundred dollars for usps mail charges ( receipts for everything were included ). I needed a lawyer to help me do the things the carrier said needed done but the carrier denied my request for that lawyer because I couldnt provide certain evidence first. 

3. Eventually I had all eight accounts removed stemming from the identity theft. I submitted dozens of online and mailed disputes. XXXX does utilize a document upload feature for online disputes but it doesnt work. Oftentimes I would spend more time trying to correct an error alert from their dispute page only to find out even after corrected that the dispute required me To mail in yet another copy of my ID, police report, etc etc. There is no central location for a consumers so literally every attempt at communication requires another ID and supported paperwork. Thats great if you offer a modern system that allows seamless verification or if in the alternative the us mail system was reliable and timely. 

4. Several months later, I am still battling XXXX to remove four accounts that are over seven years old and should have been removed long ago. ( XXXX XXXX, XXXX, XXXX and XXXX ). Additionally, there are at least XXXX recent hard credit inquiries that they wont remove that are clearly not connected to me. The four accounts are the same ones that stem from the divorce now eight years ago and the inquiries are from the past year when the last thing I was doing was authorizing anyone to pull my credit.
Product: Credit reporting or other personal consumer reports

MONEYLION : XXXX This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. For that reason, Im requesting any account-level documentation in your possession in addition to the following information : Application account agreeement and annual disclosures billing statements from open date to current copy of hardship or workout plan agreement XXXX XXXX XXXX Disclosures copy of XXXX
Product: Student loan

During the window of time offered by the XXXX XXXX, Biden Administration, I was allowed to apply for a SAVE program that would prevent the MOHELA company from charging interest on my loan. I was APPROVED for the SAVE program by the government. MOHELA made a unilateral decision to put me on forebarence and charge me 7.5 % interest compounding daily on my loans. I have called and emailed MOHELA and gotten NO RESPONSE. A few months a go I got a letter saying they are changing web portals. I tried to log into the new portal to contact them and discovered I have been locked OUT of the web portal with no means of getting back in to try to reach them. I am APPROVED FOR SAVE which is the government program that PREVENTS MOHELA FROM CHARGING INTEREST. HOW can I dispute their treatment of my loans when they LOCK me out of a portal and refuse to return calls and emails? ADDITIONALLY, I struggle with XXXX  XXXX and have tried for over 8 years to get Mohela and the Fed Loan servicers to provide XXXX assistance. THEY HAVE REFUSED. I HAVE IT ON RECORDED CALLS.
Product: Debt collection

Received a collections letter on XX/XX/XXXX from debt supposedly owed from XX/XX/XXXX. Never once have I received any outstanding charges notification prior to this letter. On top of that never once have I stepped into any one of the buildings of this company.
Product: Student loan

On XXXX/XXXX/XXXX I owed exactly {$1800.00} On XXXX/XXXX/XXXX the transaction has still not gone through and now I owe : {$1800.00} This happens every time I try to pay off a loan. We are setup to fail.
Product: Credit reporting or other personal consumer reports

Asked for information not belonging to me personally, to be removed. The information is returning verified with no documented proof from the data furnisher being provided to me.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to REMOVE this suspicious information. 3 Credit Bureaus must validate these ITEMS by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 noticed a Bankruptcy ( acct : XXXX ) on my credit report and disputed it with the credit bureaus in XXXX  ( LATE ) which they stated was accurate. I began to look up the proper way in which it was reported because they stated they spoke with the " original creditor '', which would be the Court. I wrote the court a letter in XXXX of XXXX asking that they verify the information. Being an XXXX this is all new to me. The court said they do not report anything to the Credit bureaus ( this paper is uploaded ). Which lead me to being very confused. If they do not report it, why is it there...? 
After more time and research, I disputed it again with the credit bureaus XXXX, XXXX and trans union in XXXX. They said it was accurate, but this time they changed and said it was reported by a company called XXXX, which I have never heard of. I guess they report public records. I submitted a request to them in XXXX and they responded with a generic letter stating they were looking into it, but also cited a company called XXXX This passing the buck never ends. 

I have attempted several more times the credit bureaus in XXXX and XXXX, and even did a dispute for XXXX because this inaccurate item is hurting me so much! I am not sure where to turn because I feel they are ignoring me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The last month of XXXX I requested to investigate an accounts that appeared reported in my credit reports of which even XXXX XXXX XXXX # XXXX that I do not belong with a balance in lost that the agency of collections of XXXX XXXX # XXXX is collecting the balance of $ XXXX} that does not belong to me. Although I have requested that the debt be validated and the debt be written in writing that, according to them, belongs to me and I have not yet received an answer from them. 

On XXXX XXXX, I request the debt be validated again and I have not yet received a response from you. 

I have never had accounts with them and I need to verify and do not mix any information from another person in my creidito reports. 

There were also some accounts with XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX that were removed from my credit reports through satisfactory management with these creditors who could identify the error. Not having the same results with XXXX XXXX XXXX and XXXX XXXX.
Product: Mortgage

Date : XXXX RE : Ongoing Service and Erroneous Accounting / Escrow Issue, Dovenmuehle Mortgageon Read below completely and carefully. 

To whom it may concern, SEE 6 ATTACHED FILES. GOVERN YOURSELF RESPONSIBLY. LEGAL ACTION WILL FOLLOW IF NOT CORRECTED IMMEDIATELY. There is no more patience on our end and no more room for further delay on your end. You must act ASAP.

Your customer service is terrible! I have tried three consecutive days to speak with a supervisor and get hung up on while trying to transfer. In addition to the terrible service, I would like to try and straighten my account out or I will be forced to move to another mortgage company. 

If you look at the record, I have had a mortgage for the last seven years and have always paid my loan on time.

About a year and a half ago, I looked at one of my statements where it contained a forced placed policy. This policy was erroneously placed on my account because we had existing coverage and never had a lapse in coverage. 
It took us many months and over five attempts to have the escrow department take off the forced place policy. ( see 6 file attachments ) Meanwhile, I continued to make my payment on time each month. 
Unfortunately, because of the forced placed policies my account looked like we were short in excess of {$9000.00}. For many months we struggled to get the insurance escrow department to take off the force placed policy and refund us the money. 
They did remove the forced place policy in XX/XX/XXXX, but instead of refunding the money back to us or using the money to apply to any outstanding payments they refunded the money back to escrow.

In XX/XX/XXXX our bill system missed one payment that we have since sent in. 
We have paid every monthly payment that was due Amazingly, the last time I was able to speak with a customer service rep she said we were in the forbearance program and the payments were not being applied. She said, she would terminate the forbearance program.

1 ) I do not remember requesting to be in the forbearance program and would like documentation that I signed something requesting this?

2 ) The XX/XX/XXXX statement says that we have an overdue payment of {$9300.00} which we know is not correct. You are holding {$8000.00} in escrow that was returned because of the error of you force placing the policy. If you subtract the {$8000.00} from the {$9300.00} the actual shortage is {$1200.00}. This shortage number needs to be reflected on my statement. 

I just received a Mortgage notice from a new servicer XXXX that lists {$3800.00} which is incorrect. My Mortgage should be {$2200.00} I will await your response within 10 days. If I do not hear back, I will be forced to pursue legally. 
I am available to discuss any questions or concerns you may have. 
Please govern yourself accordingly.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXXXXXX XXXX. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.
Product: Mortgage

I followed Mr Cooper/NationStar 's guidelines on their website for removal of my PMI from my escrow and overall mortgage payment and sent in the documentation they required. I spoke to a PMI removal rep XXXX days ago and they declined my request. My XXXX is well below XXXX  % and conservatively even below XXXX %. Reasonably my XXXX is probably XXXX % currently. I've been in my home for XXXX years and they said I had to keep PMI on my mortgage until XXXX??? That's over XXXX years of making payments until they finally remove PMI? That makes no sense but they provided no reasoning, no logic for this and no answers to my questions. ALL guidelines state that when XXXX is below XXXX % PMI is subject for removal. I would like this to be addressed as a fraudulent practice and have PMI removed immediately from my mortgage payment.
Product: Credit reporting or other personal consumer reports

The following 3 unauthorized inquiries appeared on my credit report. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following 1 unauthorized application was submitted to the vendor listed below although nothing was listed on my credit report -XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

2020 to present. Cashapp does not have a way to contact a live person to help you with problems. No live customer service.
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both XXXX5 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX at XXXX my Wells Fargo account was hacked by unauthorized scammers who sent {$990.00} to XXXX XXXX using this email XXXX They enrolled me into XXXX through my Wells Fargo account and stole the money from my wife 's saving account. I called Wells Fargo immediately and reported the unauthorized transaction. They set up claim # XXXX and told me they will investigate what happened and asked what time of day I was available so that they could call me for questions. Wells Fargo never contacted me after this. I also had to ask Wells Fargo to change my user ID and password to prevent anymore theft from the hackers. 
The following are phone number the hackers used to contact me. XXXX, XXXX, XXXX, XXXX. The hackers sent me a text and told me they could give me my money back if I called them. I ignored their calls and texts. I also filed a police report XXXX with XXXX XXXX of the XXXX XXXX, IA police department. 
Today I received an email from Wells Fargo stating that the payment was processed as requested. I did not request nor authorize this or do it myself. There was no request from me. The only people that requested it our the criminals that stole the funds. Regulation E states they must return my funds for this unauthorized withdrawal. XXXX even states this on their website. Wells Fargo is incorrect stating that I authorized people to steal from me.
Product: Credit card or prepaid card

Went into sears and got a 48 month interest free loan for bed. The bed came. However, they sent me a credit card. Used the card thinking the interest would be 25 %. Never got any free interest, and interest is now at 30 %. Its went up every month. Never been late. In fact they have given more credit. Then they call to inform of unauthorized charges. They add the charges then remove them, instead of just removing the charges. {$910.00} dollars. They charged 30 % interest on those unauthorized charges. Also, you never log in more than once with your password. Its always wrong and you have to go change everything. When trying to pull I up a statement it freezes up and kicks you out. Trying to get back in your password is wrong.