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

On XX/XX/2018 I sent out a certified letter to TRANSUNION in regards to removing the unverified accounts XXXX  XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in Transunion 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

To whom it may concern, This letter is formal notice that you have failed to respond to my dispute letter of XX/XX/year>. Included in the letter was my ID for verification of my identity, please avoid requesting such information- it will not be tolerated. 

In case you were unaware, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

As you are well aware, federal law requires you to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC, XXXX, & CFPB.

I am maintaining detailed records of all my correspondence with you.

I am aware that you may have misplaced my letters or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, and the dated receipt of your reception of the original letter. 

The following accounts needs to be deleted from my report as soon as possible due to your negligence : -- -- -- -- -- 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 XXXXXXXX -- -- -- -- -- -- -- -- -- Please delete these erroneous items from my credit report as soon as possible and send me a physical copy of my updated credit reports with the above items showing DELETED.
Product: Credit reporting or other personal consumer reports

None of these belong to me. 

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

I have called, faxed, and mailed in a FTC report in attempt to remove these fraudulent inquiries, but XXXX  will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of a letter from TransUnion dated XX/XX/2022, XXXX XXXX : XXXX In this letter they are mocking me for trying to fix the errors on my report. In their letter their wordage is this, " We applaud your recent efforts to take charge of your credit. We want you to know we're on your side, and we're here to help support you on your path toward credit health. We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. If you're working with a third party such as a credit repair company or " credit clinic '', they have to identify themselves in their communications to us, and provide proof that you've authorized them to communicate with us on your behalf. '' I've received this letter from TransUnion before while previous disputes were open. I currently have a BIG dispute going on with TransUnion. TransUnion has sent his XXXX letter to me on XXXX different occaisions now... THIS YEAR 2022. This last letter ( of the same wordage ) is dated XX/XX/2022. I have already, in many many previous certified letter return receipt mailings... sent to TransUnion a copy of my drivers license, a copy of my social security card and utility bill. TransUnion has NO excuse to exercise such behavior with me and I find it pitiful that they think that its the appropriate way to deal with their customers. I'm on the verge of hiring an attorney to address the problems I am facing with TransUnion. 

Also, as an additional note, I am unable to get a copy of my TransUnion report from TransUnion by logging into their website and downloading a copy of my report. My report continues to be unavailable to me from TransUnion. In fact I went to another site today XX/XX/2022, XXXX to get a copy of all XXXX of my bureaus... of which XXXX was able to give me a report, XXXX was able to give me a report but TransUnion did not. This is inexcusable. Also, not being able to get a FREE copy of the XXXX XXXX from TransUnion is also inexcusable. All other bureaus provide that for either NO COST or close to no cost... XXXX. 

What I am looking to fix here are errors, discrepancies and remove false information on my TransUnion report. 

For XXXX. TransUnion has continued to use XXXX... XXXX XXXX XXXX ... when my name is NOT that. My correct and legal name is XXXX XXXX. There are many other things that I have asked TransUnion to fix.. but the most noticeable problem is their non-cooperation in fixing my name within the allotted XXXX days timeframe. Its been over XXXX  days now since I've requested them to fix my name on my report the XXXX time. Actually closer to XXXX or XXXX days. 

Please investigate this matter CFPB. I appreciate your help in this matter. 

XXXX
Product: Student loan

On XX/XX/XXXX, {$1800.00} was erroneously taken from my savings account because I had not recertified my income as I was on PAYE, an IDR and was put on the standard repayment plan. However, per federal regulations I was not due to recertify at that time. Since then, MOHELA has corrected the error of being put on the standard repayment plan and I have not needed to recertify, but I have made more than ten calls, each lasting hours on end, with no resolution to try to get my money back. Most recently on XX/XX/XXXX I was still not able to resolve the issue on a call to MOHELA. It has been more than half a year and I would like to escalate the situation. I have tried to make a complaint today as well on studentaid.gov, but after multiple attempts at submitting I get an error message every time.
Product: Checking or savings account

Citibank checking and savings account opened in XX/XX/2019 for {$500.00} bonus after 90 days but the {$500.00} bonus has not been delayed and not posted to my account. Please honor the promise to post the bonus to my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you will review, if you have access to my records, I have had many complaints again my mortgage company. In XX/XX/2019 I thought a resolution had been made with XXXX XXXX. At the beginning of XX/XX/2019 I realized that the issue was not resolved because my account was showing delinquent on my credit report. It stated I still owed for XX/XX/XXXX. The overall issue is this, which then brings me to my dispute with my credit report.They want to charge me $XXXX a month for my escrow. When I calculate my escrow based on my Taxes and Insurance bill the basic math equals $XXXX. If then I provide a 2 month cushion, the amount comes to $XXXX. Currently I send in a check each month one for Principle and Interest = $XXXX   and then an Escrow check = $XXXX. The billing department will put all of my money into Escrow because I am not equaling to what they say I owe which is $XXXX. Then my account looks delinquent when in actuality I have paid. They did this all last year and are starting to do it again. If I put on the memo line of my check what it is to be accounted for that should not be an issue. I also always include a letter with the same information. There has never been any dispute of this information provided to me in writing, I am only informed by my credit report. They never send me notifications or statements. The only communication I have is with XXXX XXXX In the end all I want is to have my credit report reflect I make my Mortgage payments on time, because I do and I can prove that. If they choose to put the money toward Escrow and ruin my credit then I will continue to complain and may have to take further legal action which I really do not want to do. This saga has gone on too long and according to some research this company seems to have a lot of complaints and one lawsuit due to the same issues as I am having. If you are suppose to be looking out for the Consumer why does it take so long for these companies to be taken to court and made to account for their actions?
Product: Mortgage

I previously submitted two complaints regarding Wells Fargo Home Mortgage. I disputed the bank 's non-response and can not append to them. XXXX / XXXX The bank has obscured and redirected the complaint at me in their response. 
The bank XX/XX/XXXX sent some sort of financial statement in teeny tiny print it is impossible to read. I do n't know what it is. I have previously filed a complaint about this. They refuse to send information in a normal size type. They do n't want customers to be able to read so they can get away with whatever they are trying to do. 
In the XX/XX/XXXX letter, the bank apparently claims The Federal Court Bankruptcy Trustee did not make the regular payment per my Chapter XXXX filing in XX/XX/XXXX. I paid the Trustee. I have the Court records. 
Trustee an I have made all the payments to date. The bank WRONGLY shows escrow payments were not made when in fact, the payments were made and the escrow was paid. 
The bank has still not answered why, if there is a SHORTAGE as they claim, why did my payment DECREASE. 
The bank has used redirects, deflections, falsehoods, and repeatedly sent unreadable pages to pretend they are responding when in fact, they are not. 
The bank claims they have made no errors. Yet the facts contradict this claim. 

The bank has decided without my knowledge, my consent, my participation OR ANY NOTICE OF ANY SORT WHATSOEVER to apply regular monthly payments I have made to principal curtailment. I DID NOT CONSENT TO THAT, DID NOT ASK FOR IT, WAS NOT NOTIFIED OF IT, AND I DO N'T WANT IT. 
They are cheating me by re purposing my payments. 
If I mange to pay a month or two in advance for a payment so I do n't have to worry about it later, that is my choice. I should have control over how MY payments are applied to MY account. I do n't want to have to worry about making payments every month -- so I paid a little ahead. Now the bank is telling me they wo n't allow me to pay ahead, they are going to do whatever they want WITHOUT ANY NOTICE OF ANY KIND with my money. 
The bank wants me to be on the edge. They want me to make late payments so they can collect late fees or try to take my home. 
The bank is playing a financial shell game with my mortgage. They have taken away any control I have over what they are doing with my payments, my escrow -- next they will be claiming that I did n't make the payments they " reallocated '' and I have to start making triple payments to catch up.
Product: Payday loan, title loan, or personal loan

Account closed still showing on credit report never received information
Product: Checking or savings account

Hello. My name is XXXX XXXX. I am a customer of BMO Harris Bank N.A . 

XX/XX/XXXX I called the BMO customer service help line and filed XXXX transaction disputes. The XXXX transaction was posted on XX/XX/XXXX in the amount of {$710.00} The XXXX transaction was posted on XX/XX/XXXX in the amount of {$110.00}. Both transactions came from the same merchant. XXXX XXXX hotel. 
The transaction dated the XXXX was from a reservation I made online for a stay at this hotel. Online this hotel states it is 'pet friendly '. 
After making online reservations, once arrived I went into the hotel lobby to check in, all was fine at this point. I verified my card, my id, ECT ECT. As we were about to part ways, I was given the hotel key, the guest service representative realized that I had a cat with me. She stated that that's not allowed. I pointed out the claims states on their website. Nonetheless, she informed me cats are never allowed. Dogs only on a single night basis. She then told me that she would need to cancel my reservations. But assured me the charges would reverse before they finish processing. That never happened. Not only was I not returned the {$710.00} for my online reservation they cancelled. I then find out that another nights charge was posted on my account. When I called with my concerns to this. I was told that I would receive the refunded credit for the cancelled booking however due to cancellation policy I am responsible to provide payment first XXXX nights rent. For cancelling. But I didn't cancel! 
I tried for weeks too work this out with the merchant and had no success. XX/XX/XXXX I contacted BMO and filed the dispute. I called almost daily to receive updates as to this only to be left on hold again and again. 
I am a single mom. {$800.00} is allot of money to lose out on for something that was never recieved. 
BMO informed me today that my claims were denied but could offer me no explanation as to why. So I was put on hold again until ultimately the call was dropped
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in request to have this account XXXX XXXX XXXX XXXX, updated or removed as it has been paid off and it is still incorrectly showing as charged off and unpaid.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I have been trying to contact XXXX XXXX for a very long time now. Their representatives were being very rude and threatening. I tried to contact them to send them my FTC Identity Theft Affidavit, my police report information, as well as documentation proofing I have been living in Michigan for the last 10 years and not an address in Louisiana. They denied me the opportunity and kept giving me the runaround. I don't understand why XXXX XXXX is refusing to acknowledge my Identity Theft problem. and trying to sue me and collect on a debt that is not mine. I am submitting this complaint due to the lack of response, communication, and investigation into my original dispute for a debt that does belong to me. This unfair practices by a debt collection company with no concern for the integrity of a customer.
Product: Mortgage

I sold my house on XXXX/XXXX/15 and Shellpoint has not reported the sale to XXXX XXXX. My credit report shows I owe a balance of approximately {$160000.00}. This balance is preventing me from obtaining another mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Reporting company is reporting inaccurate information on my credit report and I have disputed the information and all that they keep informing me is that they provided the information to the company ( XXXX XXXX ) and waiting to hear back. My account with XXXX XXXX was paid in full from a insurance claim from XXXX XXXX. XXXX XXXX received the settlement check from XXXX XXXX and signed over the title to the vehicle to XXXX XXXX XXXX. Now that everything has been paid out and XXXX XXXX has owner ship of my vehicle, XXXX said that I have accrued finance charges on my account that is still open. I explained to XXXX that this is incorrect because my vehicle was paid in full by XXXX XXXX, you received the settlement check from XXXX XXXX and signed over the title to XXXX XXXX. XXXX does not even own ownership to my vehicle any longer XXXX XXXX owns it due to a insurance settle from total loss of vehicle. Please see attached documents from XXXX XXXX and a paid in full letter from XXXX. All that I want is XXXX XXXX removed off my credit report on all three credit beaus due to its reporting 120 days pass due and they no longer own my vehicle and I do not owe XXXX XXXX any money. XXXX XXXX XXXX paid XXXX XXXX  in full
Product: Credit reporting, credit repair services, or other personal consumer reports

HARD INQUIRIES THAT I DO NOT RECOGNIZE XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  In Inquiry from XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, XXXX, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off for {$200.00} from XXXX, listed on my Innovis report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XXXX. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed.

Thank you for your immediate attention to this request. 
Sincerely,
Product: Mortgage

Our mortgage lender who covered us for all of 2022, Rushmore Loan Management, failed to pay our XX/XX/2022 school tax ( {$3100.00} ) with our escrow funds. The money was in our escrow account. A month later they sent us an escrow refund for more than that amount ( {$3500.00} ) saying we had an overage and this was not meant to be used for taxes ( have this in writing ). So we used it to cover the costs for the birth of our child. Lo and behold months later we find out the taxes weren't paid and before we could resolve anything with them they sold our mortgage to XXXX XXXX. 

We contacted the PA Attorney General who tried to resolve this with them, but Rushmore ignored their requests. Our current lender ending up paying the taxes from our escrow so we didn't have a lien put against our house, but since Rushmore misappropriated our escrow funds and failed to pay a tax they should have paid, we need resolution and for them to reimburse our escrow account. This is a case of detrimental reliance. All documents are in the XXXX XXXX folder below. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Harvard Collection Services XXXX XXXX XXXX XXXX XXXX, IL XXXX Says I owe Illinois Department of Human Service {$2900.00}. 
Supposedly opened XXXXXXXX XXXX XXXX 
This is incorrect, they reported it to the credit bureaus. This is the second time they did this to me. I disputed it last time and everything was removed. And yet here they are again doing it again
Product: Credit reporting or other personal consumer reports

Your XXXX : Credit card XX/XX/XXXX Closed Closed. {$180.00} past due as of XX/XX/XXXX. 
XXXX 2025 131 % {$390.00} XX/XX/XXXX XX/XX/XXXX {$300.00} {$25.00} {$180.00} Capital One know that this account not mines! They still wish to pay I also asking for XXXX because of the failure to investigate please mail me my check
Product: Checking or savings account

XX/XX/2024 Despite confirming online that Bank of America ( BOA ) provides free notary services to customers, the employee XXXX XXXX lied to my face, insisting BOA doesn't offer such services and claiming there's nothing she can do to help. To cover up her mistake, I need to spend {$60.00} extra to do the notary myself.