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

I received your response dated XX/XX/XXXX and XX/XX/XXXX in reference to my inquiries regarding 3 accounts on my consumer report. I understand it isn't your companies goal to undermine my trust in your reporting practices, however, the significant number of inconsistencies and missing information contradicts your claim to accurate reporting cited in your written communication on XX/XX/XXXX and XX/XX/XXXX. 

The account that is being furnished by XXXX XXXX XXXX is reporting a high balance of {$610.00} with Experian. XXXX is reporting a high balance of {$420.00}. XXXX is reporting a high balance of {$500.00}. All of these can not be correct. Please delete this account due to inaccurate reporting. 

The account that is being furnished by XXXX XXXX XXXX is reporting a payment history that is completely off. Experian reported a late payment in XXXX of XXXX while XXXX and XXXX marked that month as " OK. '' Experian did not report at all during the months of XX/XX/XXXX to XX/XX/XXXX while XXXX and XXXX marked those months as " OK. '' This account was never late. Please provide the banking records from this company proving this account was late. Mark this account as never late or delete from my consumer report. 

The account that is being furnished by XXXX XXXX XXXX has not provided me with proof that I have a debt with this company. I have requested a copy of the purchase agreement between XXXX XXXX XXXX and the original creditor, original contract which states that I have a debt with the original creditor ( bearing my wet signature ), as well as an accurate record of this account that has been affecting my consumer report in a negative way. In addition per 15 USC 1681 XXXX XXXX XXXX never had written permission from me to report anything on my consumer report.

All of these inaccuracies are too far apart to have been properly investigated, have not been fixed, and are a violation of the Metro 2 standards which state that all reporting should be completed with 100 % accuracy, no missing entries, as well as be consistent across all 3 credit bureaus. 

I would like for this information to be properly reinvestigated and fixed or deleted if the proper information can not be obtained to reflect a consumer report that is 100 % accurate.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding my XXXX XXXX account with XXXX XXXX  XXXX. There are multiple issues I need addressed : Inaccurate Credit Reporting : On XX/XX/2024, my XXXX  XXXX  account was reported with a balance of {$9700.00} and a credit limit of {$8500.00}, showing I am using 115 % of my account limit. This is incorrect and has negatively impacted my credit score. I dispute the accuracy of this reporting under the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to credit reporting agencies be complete and accurate. 

Tampering with Account : My account was recently tampered with, which I reported to XXXX XXXX  XXXX. The bank conducted an investigation, but I was not notified or provided with any consent form for this investigation. Under the Electronic Fund Transfer Act ( EFTA ), I have the right to be notified and consulted during any investigation involving fraudulent transactions or tampering with my account. The bank 's failure to involve me in this process violates this law.

Failure to Address Fraud : Following their internal investigation, XXXX XXXX XXXXXXXX concluded that funds had been tampered with on my account, but they failed to provide a resolution. I am requesting the removal or deletion of these inaccurate and fraudulent charges, as they were made without my consent. Under the Fair Credit Billing Act ( FCBA ), I have the right to dispute unauthorized transactions and have those charges removed if proven fraudulent.

Requested Action : I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene to ensure that : The inaccurate information regarding my balance and credit limit is corrected immediately.

Any negative impact on my credit score, including late payments, is removed as per FCRA guidelines.

All fraudulent transactions are deleted from my account, and I am provided with a resolution that complies with both the EFTA and FCBA.

I look forward to a prompt resolution of this matter and appreciate your attention to the seriousness of the issue. 

By citing the Fair Credit Reporting Act ( FCRA ), Electronic Fund Transfer Act ( EFTA ), and Fair Credit Billing Act ( FCBA ), you strengthen your case with legal backing for the removal of the inaccuracies and fraudulent charges. Make sure to include any supporting documentation if requested.
Product: Debt collection

XXXX XXXX placed my account in collections with CCS and it was added to my credit report XX/XX/XXXX. This account should not have gone to collections because XXXX XXXX lost it in their system in XXXX of XXXX because, in their words, it was " floating '' between addresses. I made multiple good faith attempts to pay but I was locked out of their online payment platform and no one in their call centers was able to help me get the account paid. I never received any mail correspondence from CCS prior to them putting it on my credit because the address they had on file contained a typo - not a fault of mine. After this account was placed in collections, I spoke with a manager at XXXX XXXX and she told me that the account should have never gone to collections and the only way to get it deleted entirely from my credit was to pay the funds directly to the collection agency. I did that right away. In the time since paying the collection agency, I have been told by XXXX that CCS needs to reach out to them so they can get it deleted. CCS has told me that XXXX needs to reach out directly to them to get it deleted. 

I filed a complaint with the XXXX XXXX XXXX  because, as evidenced by the XXXX website, the CCS Companies have resolved almost XXXX complaints this year alone and the standard turn time on those resolutions appear to be between XXXX XXXX. My complaint was submitted on XX/XX/XXXX XXXX XXXX XXXX XXXX  ), the XXXX confirmed that the CCS Companies received it the day it was submitted, and I still have not heard back from the business. The XXXX has requested their response now three times and there has been no resolution. 

The CCS Companies and XXXX 's refusal to communicate with each other to resolve this error on their end is a consumer rights issue. I am under contract to buy a home and if that falls through or necessitates a loan program change as a result of negligence by the CCS Companies, I will seek any monetary recourse that is available to me for the loss of housing and funds paid in the homebuying process. XXXX 's refusal to delete my account from my credit report is directly contrary to their mission to abide by the Fair Credit Reporting Act. While the account should not have gone to collections and I received no correspondence from XXXX, I paid the balance in full because I was told it would be fully deleted from my credit and I expect that result to take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need this issue fixed immediately attached document to the attachments section. I feel that this account is adversely affecting my credit report and costing me thousands of dollars in interest every year. I demand this account to be deleted immediately. 
XXXX XXXX  XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

Dispute of Inaccurate Information on Credit Report I am writing to dispute certain information in my credit file that I have determined is inaccurate. The items I am disputing are also circled on the attached copy of the credit report I received. 

This letter is a formal complaint that you are reporting inaccurate and/or incomplete credit information on my credit file. I am very distressed that you have included the below information in my credit profile that includes the following error ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT . OF EDUCATIO According to the Fair Credit Reporting Act, you are required to investigate and remove inaccurate or unverifiable information from my credit report if it is found to be inaccurate or can no longer be verified. 

Please investigate these matters and correct the disputed items as soon as possible. I request that you send me a corrected version of my credit report upon resolution of these issues. 

Please let me know if you need any further information or documentation to assist in the resolution of this dispute. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XX/XX/1994 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$380.00} XXXX XXXXXXXX : {$160.00} XXXX  XXXX XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/2023 XXXX XX/XX/2023 Here I attach, along with the dispute, my fraud report that I just sent to Equifax for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting inaccurate and triplicating several PAID accounts that has in turn lowered my credit score. ( one is XXXX  )
Product: Credit reporting or other personal consumer reports

XXXX is reporting a bankruptcy that they know can not be verified as accurate. LexisNexis the vendor that XXXX uses as already stated that they could not verify this information and have since deleted it from their database so how is XXXX verifying information that is not correct.
Product: Money transfer, virtual currency, or money service

I am writing to 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 times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was not possible. The CFPB 's 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. The lack of accountability and transparency is unacceptable and raises serious concerns about the consumer protection, privacy and safety
Product: Mortgage

I recently contacted my mortgage company PHH Mortgage to request to have escrows removed. In the past few months there was an appraisal done to re-demine value to remove PMI from the account which was completed as the XXXX is now below the requirement of 80 %, this is also the requirement to remove escrows. 

I contacted PHH with the request, and it was denied, saying my XXXX was above 80 %. I reminded that the PMI review that was done post evaluation put my value below the 80 % threshold and if PMI could be removed using this new value why would they not remove the escrow account requirement. They advised escrows are based off the " original '' appraisal value at purchase, and not any future appraisal value. I feel this is a discrepancy and incorrect as PMI is no longer required because of the calculation which is the same for escrow. 

Please advise why they can use different calculations for PMI vs. escrows on an account. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiry against my credit report exists, without my knowledge, and consent by Avantus LLC, on XX/XX/2017, which I dispute and would want to be removed
Product: Payday loan, title loan, or personal loan

This is a XXXX XXXX. My bank XXXXXXXX XXXX XXXX XXXXXXXX is forcing me to pay this solar loan off as part of my refinancing. We closed on XX/XX/XXXX. My closing attorney send a certified check to Goodleap in California. someone signed for it. They lost it. They are still billing me {$350.00} for the last two months and I am also paying XXXX now. I need it get this paid off. My attorney is XXXX XXXX at XXXX, XXXX, & XXXX in XXXX, Virginia. Her number is XXXX XXXX XXXX. 

We have talked with Goodleap 's customer service four times now. They say they have no check and will keep billing me??? What can we do? Sue them? Goodleap can be reached at XXXX XXXX XXXX. Their address is XXXX XXXX XXXX XXXX, XXXX, CA XXXX. Please help us. 


XXXX XXXX
Product: Credit card or prepaid card

This complaint is with my XXXX card with TD Bank.

I was late on one payment and was charged a late fee. The payment was made and now I have been charged fees every month for about a year with the total now being {$300.00}. I called twice to discuss this but the people are very rude, and stated they are not with TD Bank and would not allow me to speak with anyone at the bank.

The initial balance was under {$38.00} which is what their late fee is which I believe is illegal.
Product: Mortgage

To whom it may concern : My name is XXXX XXXX and I am stressed. My mortgage was previously serviced by XXXX XXXX 
Upon loss of income due to not being able to work during Covid 19 I kept the dialogue open with XXXX XXXX to inform them of my current financial situation and I was placed on a forbearance plan. As I started working again, I immediately contacted XXXX XXXX to tell them I would like to resume making payments on my Mortgage. 
XXXX then reviewed and decided that I qualified for a Covid Relief Loan Modification and offered to bring down my interest rate from 5 % to 3.125 % ; and my principal loan balance would remain at {$200000.00}. I accepted these terms and agreed to begin making payments on XX/XX/2022. 
I called XXXX XXXX today XX/XX/2022, to inquire about getting my declaration page for the forced placed insurance and asked where to send my new homeowners insurance information because I was paying forced placed insurance at a premium. It is then that XXXX stated that they did not have any information regarding my loan because the mortgage has been serviced released. They stated that my mortgage was transferred over to Rushmore Mortgage and was sold. I was never notified of any such transfer, and I was not notified prior to any change. I was not provided any notice or any information or correspondence from XXXX or Rushmore. I never even heard of this servicer. XXXX provided me with Rushmores phone number and stated that I needed to call them because XXXX no longer has any information regarding my mortgage loan. 
I immediately contacted Rushmore, and they were rude to me, and did not have any information on file for me after I pressed, they transferred me over several times, and stated that they could see that my loan was transferred, but they dont have any additional information. I asked them whether my Principal Loan balance would remain at {$200000.00} and interest rate at 3.125 % as agreed to by XXXX, they stated that it should be the same. I asked them where and how to make my payments and they stated that they could not provide me with any information, so I needed to contact XXXX XXXX. I explained to them that XXXX XXXX  stated that I needed to contact Rushmore and provided me with their contact information because XXXX did not have any information, they stated that they would have someone from their management team call me back, but they did not even have my phone number, they did not have the most basic information regarding me or my mortgage loan, but instead provided me with general boiler plate responses. 
I am beyond frustrated and right when I thought that I was getting my life back together during this pandemic XXXX and Rushmore are operating like loan sharks, refusing to allow me to pay my loan, under the terms already agreed to, and refusing to provide me with additional information, such as where to make the payments to. 
I am sick and frustrated by this gross misconduct. Please assist. 
If you have any questions or need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX or by email at XXXX. 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 8 attempts requesting these companies to provide compliance in reporting. 

I have sent letters on the following dates and these companies AND reporting agencies continue to report out of compliance please see attached documents of proof XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 The information being reported is NOT within compliance
Product: Checking or savings account

The Truist bank is holding my money and close my account and wouldnt give me my money I need my money in the mail send to me to XXXX XXXX XXXX XXXX in XXXX nc XXXX the amount {$4300.00} Im tried of having this problem with Truist bank or XXXX XXXX XXXX XXXX will be apart of this like why are yall holding my money like I dont see my money from yall in the mail it will be a problem and yall will be held responsible
Product: Debt collection

I called the company who is tried took over for XXXX XXXX XXXX. Allied Collection Co. took over the account XXXX XXXX, XXXX. The amount I owe now as of today is {$1900.00} That amount was way less when I tried last year to resolve my issue. I tried to make payments, they refused to take payments. I asked if I can do a payment plan, they refused as well. I asked if I can settle, they refused to settle. The answer I got back from the person on the phone was I had to pay in full, they do not settle. They said I made only one payment. I honestly thought I had paid the account and it was closed. But they say I didnt, so I tried to reason with the company and they refused, so I stopped calling. I said I wasnt going to pay for fees Im not responsible for if they cant settle with me. So I hanged up because the refuse to work with me. I even tried to despite it though XXXX XXXX and I was denied. Dont know what else to do to get this off my credit report and resolve this issue with that company.
Product: Debt collection

Professional placements Original Creditor Advocate health care Collection XXXX XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX {$470.00} An accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022, I identified a discrepancy with multiple accounts listed under DEPT OF EDUCATIONXXXX. A verification of debt letter falling within my rights under Title 609 of the Fair Credit Reporting Act, as these were accounts that I did not recognize. This letter was sent via certified mail on XX/XX/2022. In the letter, it was stated As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my wet ink signature. USPS records show it was received by Experian on XX/XX/2022. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were Updated. Not verified as per my request and right under title 609 of the FCRA, updated with no proof of original documentation containing my wet ink signature. 

Therefore, a second verification letter was sent via certified mail on XX/XX/2022. USPS records show it was received by Experian on XX/XX/2022. In this letter, it stated that In accordance with FCRA, Section 611, I am requesting the following information to review for completeness and accuracy and appropriateness. Please send the following information used to verify the above referenced matters. I received a correspondence from Experian dated XX/XX/XXXX, stating the debts in which I asked for verification were still Updated. Not verified as per my initial request and right under title 609 of the FCRA, as well as under title 611 of the FCRA. Experian continued the claim that the purported debt was Updated with no proof of original documentation containing my wet ink signature, and the person 's name they updated the dispute with. 

Due to blatant failure to verify this debt with the original instrument of indebtedness along with the person 's name they verified the dispute with, they have clearly infringed upon my consumer rights under Title 609 and Title 611 of the Fair Credit Reporting Act. This account does belong to me, nor does Experian have the authorization to continue reporting an unverified debt to my Experian Consumer Report. 

I am asking to have all accounts listed under the name DEPT OF EDUCATIONXXXX be striked and removed from my Experian Consumer Report, or be reported as Closed, paid as agreed to my Experian Consumer Report.