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

XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX  TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX XXXX XXXX-XXXX XXXX XXXX/XXXX
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Mortgage

Planet Home Lending have late payments on my credit report even though I paid in full plus the fee I want them to remove late payments from my Credit Report thanks I called them in advance and explain my situation they told that would accept double payments plus the fee, I have not miss a payment since then, 2017 is not a late payment is incorrect I always pay them on the XX/XX/XXXX of every month from my XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous of times and reporting discrepancies my financial institute and Zelle failed to investigate my claims in adequately. They informed me that recovering loss funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, Company Inquiries : 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 DEPARTMENT OF EDU XXXX XXXX
Product: Mortgage

For Years, Ive had an escrow account with T D Bank to pay my real estate taxes and homeowners insurance in XX/XX/XXXX. 
I was notified in XX/XX/XXXX by T D Bank that I had no Insurance ( not true ) and they will provide their insurance at an additional {$2000.00}. 
I called my broker and he said my policy was going to lapse if it was not paid ion 7 days. It turns out, T D bank never released the funds. I thought I had it straightened out so I paid my broker with a credit card and he will reimburse me when the payment in full comes form T D Bank. 
It never came and then I received a notice of cancellation for non payment. 
T D bank appoligized and turns out they only made a partial payment that was due at the moment. I got another notice of cancelation and I paid the balance in full. 
Along the way of trying to resolve this I signed a form for T D Bank to stop taking money from my checking account to the escrow account andI will pay my insurance next year on may own and to refund me the difference that they never paid this year. 
They continue to keep my money and they are still deducting money from my checking account for my next years insurance premium. Once again, XX/XX/XXXX, ( see letter from XXXX XXXX ) I tried to get this straightened out and Im told, I will receive a full refund of non paid premiums and any deduction for payment for XX/XX/XXXX within 3 business days. 
No Refund and another deduction in my account for XX/XX/XXXX towards the XX/XX/XXXX Policy They are stealing my money, lying about refunding it to me. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Payday loan, title loan, or personal loan

moneylion has not corrected any issues and continues to have posting issues and denies me account access based off their issue. 

they claim I am regularly behind on paying the loan although they send email confirming the pay and then denying it hours later. the payment has always posted through my bank account
Product: Credit reporting or other personal consumer reports

Sent a 1099-A back in XX/XX/year>. Trustee XXXX XXXX refused to turn in to the IRS FOR PROCESSING. WHICH took care of the whole bill. Still cashing in my payment coupons using my name to do it. I am the holder in due course XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX to discharge all debts. They refused my XXXX negotiable instruments. Last one was {$1200.00}, marked my credit report as missed payment! They been cashing in my coupon for at least a year. Using the mail to commit trust fraud! Reporting to the XXXX XXXX XXXX and the IRS! I have copies of all the payments sent!
Product: Credit reporting or other personal consumer reports

Subject : Continued Inaccurate Reporting and Failure to Disclose Verification Method - XXXX  Account Dear Credit Bureau, I am writing to formally dispute the continued reporting of inaccurate information on my credit report, specifically regarding the XXXX account. Despite previous disputes and requests for corrections, the inaccuracies persist, indicating potential willful noncompliance under 15 USC 1681n.

As per 15 U.S. Code 1681e ( b ), credit reporting agencies are obligated to " follow reasonable procedures to assure maximum possible accuracy of the information. '' The continued reporting of inaccurate information violates this provision.

Furthermore, 15 U.S. Code 1681i mandates that credit reporting agencies " conduct an investigation with respect to disputed information. '' Despite multiple disputes, the inaccuracies remain, suggesting a failure to conduct proper investigations.

Additionally, I previously requested the method of verification for past disputes, as is my right under FCRA Section 611. This information has not been provided, further hindering my ability to assess the accuracy and completeness of your investigations.

Due to the repeated failures to correct inaccuracies and the failure to provide the requested verification method, I am formally requesting the deletion [ DA ] of the XXXX account from my credit report. This request is supported by : 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requirement for Deletion - If an item is found to be inaccurate or can not be verified, it must be deleted by the credit reporting agency.

15 U.S. Code 1681s-2 : Responsibilities of
Furnishers of Information to Consumer Reporting Agencies - Furnishers , such as XXXX, are obligated to provide accurate information and investigate disputes. Their failure to do so warrants the deletion of the inaccurate account.


In line with 15 U.S. Code 1681n, I am also attaching an invoice for damages incurred due to the continued reporting of inaccurate information. These damages include, but are not limited to, lost opportunities and emotional distress. I expect these damages to be paid in full as a direct consequence of your failure to comply with the FCRA. I anticipate prompt deletion [ XXXX  ] of the disputed account and full payment of the attached invoice. Failure to comply with these requests will leave me no choice but to pursue further legal action. 

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

I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, XXXX and XXXX ) credit report. My latest credit report shows ( five hard inquiries ) credit inquiries that I did not authorize. As of XX/XX/XXXX, I had no knowledge of these unapproved attempts. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. 

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 I trust this matter will be resolved quickly, and I appreciate your cooperation.
Product: Debt collection

I had a Care Credit account through Synchrony Bank. I not only paid regualrly and on time, but made payments over and above the monthly amount. I had a balance of XXXX  in XX/XX/2023. When I received my statement the balnce was XXXX I called and asked about it and was told it was a late charge. I asked how can there be a late charge if I made payments that would cover several months. Apparently they failed to credit my account with the extra I was paying. At any rate, I included a note with my XXXX payment, " Full and Final Payment ''. My check was cashed, yet I received yet another statement with an additional {XXXX added I called as was treated quite disrespectfully, and they disregarded the fact I clearly stated, " Full and Final Payment '' in XXXX. Now today, I received a statement with a balance of XXXX}, this must stop. I attempted to reslove this issue with the bank once again and was told there is nothing they can do. I need to know to what extent can I take my complaint?
Product: Mortgage

Fifth Third Bank ( " 53 '' ) purchased my refinanced mortgage in XXXX. As part of my refinance, I agreed to a mortgage payment of {$2300.00}, which was to include my mortgage payment, taxes and homeowner 's insurance. 53 negligently failed to pay my homeowners premiums and my policy was canceled. Despite having been a customer for over 30 years, XXXX XXXX XXXX declined to renew my policy based on a " non-payment '' history. After negotiations, 53 retroactively paid the homeowner 's insurance premiums from XX/XX/XXXX to XX/XX/XXXX. Despite its negligence, 53 asked me to obtain another homeowner 's insurance policy, which I was able to obtain from XXXX XXXX, although the premiums were higher than I was paying through my escrow account. XXXX then contacted me and I was told that 53 had, yet again, failed to pay the homeowner 's insurance premiums, even though XXXX had contacted them multiple time and requested payment through my escrow account. Now, 53 has told me that my house payment will increase over {$300.00} per month to cover the cost of the insurance they purchased at almost double what I was paying previously through my escrow account. 53 also informed me that " that coverage we purchased is limited and may not adequately protect your interest. '' During this over two-year period, I have made numerous phone calls to 53 and written them numerous letters. When I refinanced my home, I agreed to the payment amount, to include taxes and insurance, because that is what I could afford. As a result of 53 's negligence and fraud, I informed 53 that I was going to continue to pay my mortgage payment of {$2300.00}, which is what I agreed to and contracted for, and requested that no late charges or other fees be applied to my account. Now, 53 is sending me threatening letters suggesting that I may be in jeopardy of losing my home if I do not pay the late fees and significantly increased house payment due to the outrageously expensive insurance it purchased.

By paying a years ' homeowner 's premiums retroactively, 53 admitted to its negligence of not having paid those premiums during that prior year through my escrow account. Although 53 destroyed my relationship with my long-standing insurance company and through no fault of my own that the policy was cancelled, I obtained another policy in its place. AGAIN, 53 ignored XXXX ' requests for payment of the premiums and that policy too was cancelled. All this occurred when I had homeowner 's insurance at a price I could afford and with adequate coverage.
Product: Debt collection

On XX/XX/19 I started paying to Dynamic Recovery Solutions my debt with XXXX XXXX. They offered me a settlement to pay 4 statements of {$100.00} dollars. I was told that after finishing the 4 payments my debt would be considered payed in full and removed from collections. 
I finished paying the 4th and last statement on XX/XX/XXXX and the debt still shows on collections.
Product: Credit reporting or other personal consumer reports

I am writing in reference to an account that has been charged off which appears on my credit report. I believe this account may qualify for cancellation of debt reporting under IRS guidelines, as it is my understanding that the debt was effectively canceled by your institution. However, I have not received a Form 1099-C to reflect this debt cancellation.

According to IRS regulations, creditors are required to issue a Form 1099-C when they cancel a debt of {$600.00} or more. I request that you review the status of this account and verify whether this debt has been forgiven or otherwise settled in a manner that requires a 1099-C to be issued. If the debt has indeed been canceled, I respectfully request that you issue the appropriate 1099-C to me and update my account status to reflect that the debt is no longer owed.

Furthermore, as the debt has been discharged and is no longer legally collectible, I request that the charge-off be removed from my credit report. Under the Fair Credit Reporting Act ( FCRA ), all information reported to the credit bureaus must be accurate. Since a 1099-C signals the cancellation of the debt, continuing to report the account as charged off or delinquent would be inaccurate and harmful to my creditworthiness. 

I ask that you promptly notify the credit reporting agencies to remove the charge-off from my credit report.
Product: Mortgage

Failures by Planet Home Lending Planet Home lending failed to provide me with easy access to paying off my mortgage loan as a consumer and a veteran. They have failed to fix this after 4 separate phone calls, and over one month of back and forth. I will be on my fifth attempt to correct tomorrow. 

The issue is failure to provide me with there form for bi-weekly payment processing. I have now received the same bi-weekly form letter, stating fill out the form to setup by weekly payments and providing me with legal notices, of information. However, each time the form letter leaves out the bi-weekly payment form or a return envelope. I have requested they fix, the website, and provide me the form each of the above four phone calls. I will be requesting this be fixed the 5th time tomorrow. 

They seem to be intentionally not posting the form online, or allowing it to be processed and legal rights validated, there login account. This allows them to then say, we can send it and then they seem to intentionally leave the form and return envelope out of the letter provided. I am sure this benefits them several ways, one they are pretending to comply with the law. Second benefit it reduces early mortgage pay-offs, by making it difficult to setup automated extra payment. Third benefit is they reduce there wire fees to zero or in half per borrower, depending on existing payment delivery method, for existing borrower. They failed to realize when someone like myself repeatedly requests the same information by phone and mail, and receives the same result, they are creating a pattern of abuse of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent in my police report and my FTC affidavit to the three credit bureaus. I called last month and spoke to Transunion, XXXX, and XXXX XXXX department who asked me to send in my fraud package. After sending them they did not comply with anything and said they dont have to block the fraudulent account even after providing them a police report and FTC XXXX The sent me some generated letter saying if I want to block the fraudulent account to send in the Police report affidavit that I have already sent. I spoke to XXXX who was in XXXX who said he was from the fraud department integrity team and stated that he didnt have to follow the FCRA rules and regulations. I explained that I received a letter saying if I wanted to block the fraudulent information under the Fair Credit Reporting Act Section 605N to keep sending in my police report. I have done everything in my power to fix this fraudulent information that has caused me a great deal of damage and embarrassment. Also with emotional distress, deformation of character by accusing me in the generated letter stating that my police report was not filed when in fact it is filed with the police department. 

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

This Company / Credit Reporting Agency refuses to remove inaccurate, fraudulent accounts and information from my federally protected consumer report. The Credit Reporting Agency contiues to " Verify '' the accounts with the Fraudulent Companies that I have disputed. Further, They have failed to " VALIDATE '' any of the accounts listed in the compla

int. THIS IS FRAUD and The Credit Agency is NOT IN COMPLIANCE! 
These accounts have been disputed multiple times over several years! 

I DEMAND THAT THESE ITEMS BE REMOVED IMMEDIATELY! 

Proof is in the amount of complaints and the constant updating of the status to " Verified 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  I DEMAND THE ITEMS BE REMOVED IMMEDIATELY! NOT 30 DAYS! NOW!!!
Product: Mortgage

Over 8 years ago we went through the mortgage modification process that took over 2 years to complete.We proved hardship and were also victims of predatory lending practices in XX/XX/XXXX.

We were advised by Wells Fargo to not pay our mortgage during the modification process.Wells Fargo consistently told us each month that we did not have to pay during the modification process. We were assured that we would likely get a better rate, term and relief from some of the principal amount once we went into modifying the mortgage.

In XX/XX/XXXX we were told by Wells Fargo that we were approved for a loan modification. They extended our term, fixed the interest rate which was good however, then added {$90000.00} to our principal amount.

Wells Fargo put us on a probationary ( trial ) 3 months of payments at our new mortgage payment amount.

The new payment was considerably higher than the payments we were used to making prior to our hardship in XX/XX/XXXX.

We agreed to the new payments because this is our primary residence, we have no where else to go.

The only other options we were given from Wells Fargo after 2+years, was a short sale or foreclosure. This was in fact deceptive and it became obvious that Wells Fargo really only wanted to help themselves.

We have been struggling to make our payments on time ever since and have had to borrow money in order to stay out of foreclosure. We can no longer borrow money to pay Wells Fargo. We should not have agreed to the " new '' payments. If we just let Wells Fargo foreclose on us 8 years ago, our credit would actually be okay today. As a result of all this our payments are always late and our credit is terrible. The modification process that was supposed to help us has in fact hurt us financially. Wells Fargo can not be trusted.