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

To Whom It May Concern : This letter is being sent in response to inaccurate and damaging information reported to the Credit Bureaus by XXXX XXXX XXXX regarding my account, causing significant negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), disputing your claim and requesting validation.

The information currently reported on my credit file with Equifax, XXXX, and XXXX includes the following inaccuracies : Account Number : XXXX Open Date : XX/XX/year> Loan Amount : {$15000.00} ( This amount is incorrect. ) Status : Reported with late and derogatory information This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION under the Fair Credit Reporting Act. I respectfully request that you provide competent evidence that I have any legal obligation to pay you regarding this account. Please note that my vehicle was stolen, and my claim with XXXX XXXX is still open under Claim No. XXXX. XXXX is currently assessing the situation, and no final determination has been made. 

XXXX XXXX XXXX never contacted me after they took possession or repossession of the vehicle. When my vehicle was recovered, XXXX discarded my personal belongings valued at approximately {$30000.00}, which included irreplaceable items. Given that XXXX failed to notify me, and this claim is unresolved with XXXX, I am requesting that all negative and derogatory information be removed from my credit report immediately. 

Please provide me with : 1. Documentation of the debt, including the correct amount, as the original loan amount reported is inaccurate. 



If your offices can provide proper documentation as requested, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. 

Furthermore, if any actions are taken that could further impact my credit negatively during this validation period, I will consult my legal counsel for possible action. This includes listing or verifying inaccurate information with any credit reporting agency, especially without proof. 

I also request, in writing, that no telephone contact be made by XXXX to my home or place of employment. If XXXX or its representatives attempt to contact me via phone, including automated calls or calls to any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be conducted in writing and sent to the address noted in this letter by USPS. 

It is advisable that XXXX ensures its records are accurate and corrected before I am forced to pursue legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX
Product: Mortgage

We have a mortgage with Carrington Mortgage services. They took over our mortgage in XXXX from XXXX XXXX XXXXXXXX. Our mortgage almost doubled and we have been battling with them since to try to come to a reasonable mortgage amount. In XXXX I XXXX XXXX XXXX, and my husband XXXX XXXX so our income decreased drastically. We requested a loan modification and were granted one with even higher payments. We appealed and received another modification which was even higher. We appealed again. This was XXXX and COVID hit. We were granted a mortgage hardship and did not have to make any payments for a period of time. In XXXX Carrington put us on a payment plan which allowed us to pay {$790.00} a month for XXXX XXXX and they would reconsider us for another modification again. In XXXX after XXXX XXXX was up, they gave us another modification and the payments were even higher. We explained we could not afford these payments and requested them to offer other alternatives which we were told there were no other alternatives but to come up with the back payments owed and then our mortgage would not go any lower. They claimed it was not a Carrington decision but it was XXXX who was enforcing this decision. I do not believe XXXX would do this to us and force us out of our home. I know it is XXXX 's goal to keep the homeowner in their home, so Carrington is trying to get out of it by passing the blame. 
I am submitting this complaint because I feel there is something that can be done for XXXX who have lived in their home for XXXX XXXX and the home should be paid off, but because the banks were in trouble, we got caught up in their mess and now we are the ones who suffer while they were bailed out with millions of dollars. 
We have offered to make payments, actually since XXXX, I have been sending payments of XXXX and for XX/XX/XXXX, I sent them {$2000.00}. We were told the payments were not going to be accepted but I have only received one check back as of date. 
Please if there is any help available, please help. We are not in any condition at this point in our lives to leave our home and we are willing to make payments, just not {$3800.00} per month. 
Thank you for your help.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience. 

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation
Product: Student loan

I have a few issues with EdFinancial who services my federal student loans. I am completely dissatisfied by this company and their customer service. 

1 ) My payments are due on the XXXX of each month. I am enrolled in autopay. The autopay date can only be the due date so in this case, my autopay date is the XXXX. Funds are drafted from my account on the XXXX of every month. Apparently it takes 2-4 business days for these payments to process. I get notified every month that my payments are past due since they arent being applied to my account until the XXXX of each month. I have called 2 times regarding this. Once in XXXX and once today XX/XX/XXXX. I was advised this can not be fixed. This is completely unacceptable that my account is showing as past due and I am being notified when I am making the payments on time, the only way they allow the payments on autopay and through no fault of my own. 

XXXX ) On XX/XX/XXXX my account was drafted for my monthly autopay. I got an email on XX/XX/XXXX from direct loans that my account is almost 30 days past due, even though the payment was taken out of my account on the XXXX  due date. I called customer service on XXXX and was advised the payment was not applied correctly and they will try to have it applied by sometime next week. So my payment has been with Ed Financial for almost a month while my account is showing almost 30 days delinquent.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concern 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 unfeasible. The CFFBs 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

This is a newly opened account. Once opened, I immediately paid the loan down 50 %. However, the loan reported to my credit report without reflecting the payment and lower balance. 

The loan also does not report to Equifax. Only XXXX and XXXX.
Product: Student loan

My loans were forgiven in XXXX of XXXX and I was owed a refund of {$2900.00}. 

I've reached out to Mohela 11 times and each time I've been told my refund is processing and would be issued by the US Treasury Dept. 

Dates I've called are as follows : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All of the representatives I've spoken to have said the refund is processing and they can't provide any other updates.
Product: Mortgage

Hi my name is XXXX XXXX and I just sold my home in XXXX the loan was with Lake View and I was working with XXXX. I started working with XXXX back in XXXX and he told me that I will have to sell my home in XXXX  in order to purchase in XXXX XXXX due to a job change. So I sold my home and applied I met the credit requirements and he denied me for DTI ( debt to income ). He did not even try to assist me but ask for the home disclosure from the sale of my home in XXXX. He flat out lied because I have just closed on a new home XX/XX/2023 with a different lender. If I did not have the mind to apply with a different company I would have been homeless. My issue is they had me to sale my home and did not follow through with my new mortgage at the last minute.
Product: Checking or savings account

On XX/XX/XXXX, Bank of America XXXX XXXX XXXX XXXX illegally refused to cash their own check for {$11000.00} ( from closed EDD account ). 

Despite having valid California ID and secondary identification, AVP Financial Center Assistant Manager XXXX XXXX refused to cash the check without even reviewing my ID. 

I was the only XXXX woman in the branch and was treated with visible discrimination. 

Due to their refusal, I was forced to use a check-cashing service, incurring a 10 % fee ( {$1100.00} ) and a 14-day hold on my funds. '' Attempted to resolve at branch level with Assistant Manager XXXX XXXX, who refused to follow proper procedures or offer any solutions. This was a Bank of America issued check that they were legally required to cash. '' " Their refusal violated : California Commercial Code 3-411 Civil Rights Act of 1964, Title VI California Unruh Civil Rights Act Federal Reserve Regulation CC The check was legitimate, issued by Bank of America for California EDD account closure. Their refusal caused financial hardship and appears discriminatory. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over XXXX days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX  ''. In fact, I noticed several errors regarding this account on my credit report. XXXX of the errors shows late payments, derogatory status and included in a bankruptcy. XXXX of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had XXXX late payments- there are serious discrepancies and errors. Upon addressing this with both XXXX and Experian, nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to XXXX and Experian asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond XXXX days, the law requires that the disputed information must be removed from the credit report. XXXX  and Experian fail to comply.
Product: Debt collection

I had a policy with XXXX for over 10 years and I still have a policy with them. However, I sold a car and called to take the car off my policy they did and now I am getting credit for an unpaid month of the policy I cancelled. I tried to call XXXX  as well as emailed them with the help of their communications and never heard back thinking all was ok. Today I received another debt collector bill in the mail and spoke again to XXXX. I should not have to pay for a month of insurance when the car was sold. I still have an account with XXXX  for our other vehicle. The account in question should have been closed the day the car was sold. I spoke with an agent the day I sold the car and the account was cancelled. I shouldn't be getting collections notifications.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXX XXXX co XX/XX/XXXX {$1500.00} XXXX bank XX/XX/XXXX {$1500.00XXXX XXXX XXXX finance {$15000.00} XX/XX/XXXX 2020
Product: Checking or savings account

This is now the SECOND time I've had to file this complaint, the last one being in XXXX, 2022, so not even six months ago. I am getting an email in the middle of the night stating I have opted out of Early Pay with the Huntington Checking Account. This did not occur this time, nor did it occur the first time. Huntington has denied they sent the email, however the return address is in fact to Huntington. I tried the first time to speak to Huntington and they were unable to assist me, therefore I did not reach out to them this second time. It is pretty obvious there is an issue on their side since this issue keeps reoccurring. I want this rectified for good as this is quite the hassle. If this was the first time, it would be one thing, but again, this JUST HAPPENED, THE SAME EXACT THING IN XXXX, 2022.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ XX/XX/XXXX. This is my second and final attempt to resolve this matter amicably. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX WFDS : XX/XX/XXXX Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries. 
Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Detailed Notification : Inform me in detail of the steps taken and the results of your investigation within 15 days of receipt of this letter. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Checking or savings account

PNC Bank keeps blocking access to connect my bank account to mobile apps. This is very frustrating as these are valid, safe, financial apps that I need to use to help manage my money and obtain loans and other money services. 

PNC Bank keeps blocking access to connect my checking account to these apps due to security purposes ( which I understand ) but this is our choice and our decision to use these apps on our phones. 

I called PNC Bank and they explained how its part of their security processes but they need to have an option available to where we can contact them and say - " Hey, this app is safe and it is my decision to allow my checking account to connect to this app ''!! 

Quit block access to use these apps on our phones. This is very frustrating as I need to have this option available to me. If you continue to block app access to connect my checking account, I will be forced to close my accounts with PNC Bank and take my business elsewhere to a bank that will allow this. 

My apps that I use include - XXXX and XXXX - which I have had connected to my bank account for sometime now. I then changed my password to online access with PNC Bank and it disconnected these apps. So when I go to reconnect the apps and connect PNC Bank account using the new password, it keeps saying that - " PNC Bank has made a change that prevents you from being able to link your accounts ''. 

PNC Bank, Quit Doing This!!!!! Please give us access to allow these apps to connet to our accounts if we choose to have this happen. Give us the option to allow or block certain apps. 

I have contacted these app companies directly to see if there is a way to manually connect my checking account using the routing and account number and the only way to do it is by linking directly with no options to connect manually. 

I will continue to complain and voice my concerns over this because this should be the customer 's decision, not the banks. 

STOP BLOCKING ACCESS TO APPS!! I am so frustrated with this. I have money that is transferred from these apps to my checking account and these apps automatically hit my account for payments to pay them back for these advances and loans that I get with them. If you constantly block them, I have no way to pay these loans or advances back. 

STOP DOING THIS PNC BANK!!!!
Product: Mortgage

For years I tried to get a modification but Ocwen denied me because I had got hurt at work and was workers compensation. After making me jump through hoops they told me that workers compensation is not a job and isnt considered a job. So I was forced to file bankruptcy. So over the years I have tried to make an agreement to keep my house but every time I attempt to the amount owed is a lot higher than it should be and there is a huge balloon payment involved. This year I was contacted by Ocwen again. I had a very high payment to make for three months again. This is to prove Im serious I guess. But every month I kept getting notices of default and to sell my house in the mail. It seems like theyre doing this to bully me into signing an offer from them that not fair and too high. What can I do?
Product: Checking or savings account

Ny truck was broken into on XX/XX/XXXX at XXXX XXXX in XXXX. I filed a Place report the next evening because 1 Chase Debit Card Ending in XXXX, One Chase Debit Card Ending in XXXX and a Chase Credit Card Ending in XXXX as well as an insurance card, misc items were stolen, including a note book with my pin numbers and password. I also contacted Chase on XX/XX/XXXX about the stolen cards. The Gentlemen who took my report, apparently filed it under lost, even though I clearly stated my notebook with pins and passwords were stolen. I found out 4 unauthorized transactions were made, so I was given a credit on each account XXXX of XXXX and XXXX, He account had {$400.00} taken from it. which was reversed the next day. I called and spoke to a representative who said that it was misfiled and she then took all my information again. I was told that I should go to my local Chase Branch and send a copy of the police report, via fax, the branch would do. An Officer called me and she thought my 'chassis ' was atolen but explained no CHASE cards. She sent me the police report. I went to Chase and faxed over. I called chase and was told that wait 3 to 5 business days for them to examine report. Called back, on XX/XX/XXXX and was told they had not received reports. Give it another few business days. No reports. I received a letter XX/XX/XXXX and then XXXX from account XXXX and XXXX the claim would be closing due to pin number being used. I called and they said they only had paperwork on one account, I needed to resubmit for the other. I kept telling everyone I spoke to that my Pin number was in the notebook that was stolen. So were all my passwords not just for Chase bank but my XXXX all those things. When I went to leave for Chase to resubmit paperwork, found XXXX with no envelope in mailbox. Drove to chase, resubmitted police report. Called Police to update report as neighbor seen someone near my mailbox around XXXX, I did not know this until I returned home. I left I believe around XXXX, not positive. My Neighbor XXXX XXXX who again seen this person as he walked by while we were on the phone. I called Police officer with info, she stated not to jump to conclusions. His Wife seen same person near my fence calling my dogs name. I called Chase was told to call back Saturday for Update. Called Promptly Saturday XXXX and was told to call Tuesday. They told me they did not have information for one of the accounts again to resubmit both for investigation. I did. Meanwhile They have taken the money back out of my account AGAIN because they say my pin was used, even though i explained my pin and password book was stolen and it clearly is explained in police reports. I am overdrawn and chase keeps saying since your pin number was used on the transaction and WAS not written on your card, it must have been authorized. I have explained over and over multiple times my password and pin book was stolen from my truck. I am a victim of identity theft. PLEASE HELP!!!
Product: Checking or savings account

I received a letter on XX/XX/2023 from Wells Fargo saying they will close my account because I use a registered agent. 

I don't believe this is fair nor legal. I would like to see the terms and conditions of my checking account where it shows they XXXX do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX 2022 I've contacted Equifax spoke with several reps. about unlawful information on my consumer report. pursuant XXXX5 USC1681 CONGRSSIONAL FINDINGS and STATEMENT of PURPOSE. 15 USC 1681 ( a ) ( XXXX ) consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit. 15 USC 1681 ( a ) ( XXXX ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. 
My rights as a CONSUMER is being violated with all the inaccurate INQUIRIES AND COLLECTION on my consumer report. I want them REMOVED IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXXXXXX XXXX XXXXXXXX. Nor did they provide me with any evidence of a debt. I did not authorize them to utilize my signature. I demand this account be removed from my credit report as this is willful misconduct.