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

I sent my letters off XX/XX/2022 by usps. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 


According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit reports showing the inaccuracies. 



List of accounts : XXXX  # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Product: Checking or savings account

I have deposited money in my checking account and I have never overdrawn the card and the bank steals money from me, when I check my balance it is lower, for example if I have XXXX dollars and I use XXXX, after I go and check my account the bank reflects me I only have XXXX and this happens every time I make a charge for an amount when I enter my online account, another balance appears less than the one I had previously, that is, the bank steals my own money and reflects incoherent amounts that are not the correct sum, This is PNC Bank is a scammer and steals from its customers
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U. S. C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U. S. C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

These are the accounts I marked as inaccurate : XXXX XXXX ( removal of late payments ) XXXX  ( removal of late payments ) XXXX XXXX  ( credit inquiry ) XXXX XXXX ( credit inquiry ) 2 times
Product: Credit reporting or other personal consumer reports

I disputed this account with Equifax on XX/XX/XXXX stating that the last payment date is inaccurate. I provided proof by sending a copy of my credit report from all three bureaus. XXXX is reporting last payment date XX/XX/XXXX, Equifax is reporting last payment date XX/XX/XXXX and XXXX is reporting last payment date XX/XX/XXXX, it should be the same throughout the bureaus. Equifax stated it's accurate, and they will not remove this account.
Product: Money transfer, virtual currency, or money service

I am following a compliant against cash app ( block, inc. ) due to inadequate customer service and unfair practices, which violates the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several complaints that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hereby notify you that I am a victim of identity theft and wish to dispute certain items in my file stemming from this crime. The disputed items are not associated with any transactions for which I have provided authorization or obtained goods, services, or money. I request the removal of any reported items in my credit file attributed to alleged identity theft. These items are unfamiliar to me, and I question their accuracy, especially considering their deletion from other bureaus. Moreover, the reported payment history on these items is inexplicable to me. Per FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind, the following items are subject to dispute 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 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

A debt collection agency has appeared on my credit report from Stanislaw Credit CO. It states that it's a medical collection from XXXX XXXX XXXX for the amount of {$660.00}. It was originally submitted on XX/XX/XXXX and last updated on XX/XX/XXXX. I have made repeated phone calls to the number listed on my credit report that is associated with Stanislaw and left voicemails asking for a call back to discuss repayment. That number is : XXXX XXXX. It is an automated recording that shunts me to voicemail. I have yet to receive a response.
Product: Mortgage

I bought my house on XX/XX/XXXX. I closed my house with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they sold my mortgage to Ameri Home Mortgage on XXXX, XXXX. Since then, I paid seven {$3000.00} mortgage payments. After I closed my house, I I didn't get any Loan statements from my previous loan company, until they sold my mortgage to XXXX XXXX. There I found that all of my payments are not displaying in the statement. I called my new company several times since XX/XX/XXXX to XXXX, XXXX to fix my mortgage statement in online or paper copy. They said they will do it but don't do it. Even I send them copy from my bank of my checks still they don't take it seriously. 

I paid extra money so I can lower my principal and stop paying for the PMI. But every time I pay they take it as a mortgage payment and pay for the future mortgage payment. I paid last time on XX/XX/XXXX. My mortgage is not due until XXXX XXXX. 

I called them several times and request them to transfer it to my principal, they donot do it. 

I am requesting you to find out what happened to my all payments and why they don't transfer my money to principal not mortgage interest.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account. 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 Thas violated my rights. 
15 U.S.C 1681 section 602A. States 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

As a victim of identity theft for over 7 different fraud accounts, I was able to dispute, solve and remove all these accounts from my 3 major credit reports with the credit bureaus and by directly contacting the creditors, except for XXXX XXXX credit company. I had a XXXX XXXX credit card which I permanently closed back in XXXX. However, XXXX informed me that a fraud account was opened under my name back in XXXX but never been used, and they captured this fraud account and closed it around a week ago. I have contacted XXXX XXXX few times to request that all their information to be removed from my credit reports, including the fraud account that they captured and has no outstanding balance or dues, as it indicate negative effect on my credit score. However, XXXX XXXX refused to remove these data or to request the 3 major credit bureaus to remove these accounts from their data. XXXX XXXX also refused to provide me with the account or card number. The agents and managers that I spoke to in XXXX XXXX claimed that this is their policy and regulations that they have to follow! XXXX XXXX has been always the worst creditor ever and the least who cares about their customers, and this is what made me close my account back in XXXX. I need all data and info related to XXXX XXXX to be permanently removed from any credit report belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a  reasonable conclusion has been determined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a XXXX XXXX account with TRANSUNION. The dispute was submitted on XX/XX/XXXX. I disputed the accuracy of the balance, payment history and late payments. 
XXXX XXXX removed the monthly payment amount from the report which was {$580.00}. Reporting a balance of {$27000.00} original balance of {$28000.00}. They are reporting payments both on-time and ( late ) from XXXX to XXXX of XXXX which is also wrong but with monthly payments of {$580.00} how could the balance be {$27000.00}. No one at XXXX financial or TRANSUNION seems to be able to solve this math problem for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and requested and settlement amount of {$650.00} which was accepted. I paid the amount and was given a receipt and was told it would be taken care of. They did not zero the balance out as I was told but have a balance reporting of {$420.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a dispute letter was sent on my behalf to XXXX XXXX/XXXX, and the three major credit bureaus ( Transunion, XXXX, XXXX  ) with the intention of opening an investigation hoping to be provided with some form of written agreement stating that this account in fact belongs to me. As this account opened in XXXX of 2018 with a credit limit of XXXX , appears on my credit file as a charge-off. I have no knowledge of this account, and after the conclusion of the investigation no proof was provided to me proving otherwise although my account has been updated. It is my understanding that if proof can not be provided, the account should not and can not be reported according to the law on my credit file.
Product: Credit reporting

I had a account with XXXX that was eventually sent to a collection agency, it has been on all XXXX of my credit files for over 7 years with XXXX collection agency and as of XXXX 2015 it had been resold to another collection agency and is being report as a new collection account on my credit file as of that date. The account should have been removed from my credit file in XXXX 2015 for good. The Collection Agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX and its for XXXX XXXX Account # XXXX for XXXX. I feel that the agency is unfairly putting fraudulent info on my credit report.
Product: Mortgage

I refinanced my mortgage in XX/XX/2022. My closing was delayed due to confirming insurance. Anyway I closed on the refi. I have just been notified that Rocket Mortgage never paid the insurance even though I was told that my escrow would pay the insurance due. Now my insurance premium increased due to a lap in coverage. I was not notified until the insurance was canceled and I feel like this whole process is very confusing to consumers who are being told that they do not need to worry about paying insurance or taxes since they are paying into an escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed said accounts several times and your company ( XXXX or Experian ) failed to dispute and/or did not notify me for permission to even post ANYthing on my credit report about this alleged debt. Therefore, XXXX, I inform you that the subject account being reported by your company has received a cease and desist letter ( formal ) and therefore ANY communication regarding this account is in direct violation of Fair Debt Collection Practices Act ( FDCPA ). 

This complain has also been submitted through CFBP ( see attached )
Product: Credit reporting or other personal consumer reports

I've submitted documentation from credit card company, which stated that the credit account is fraudulent to Experian credit reporting agency, and they refused to update my credit report. I am not able to contact Experian via phone to dispute their results, I was told I must submit my request through the mail. I would also like to have the third-party vendor they've used to verify this fraudulent account.
Product: Credit reporting or other personal consumer reports

I was looking at my reports around XXXX and I noticed two AUTHORIZED USER accounts that do not belong to me. The AUTHORIZED USERS accounts names is XXXX XXXX and XXXX XX/XX/XXXXThese accounts is not showing anything negative. But they are not my accounts and I want them REMOVED/DELETED from my credit reports. I will attached Exhibit 1-2 showing the AUTHORIZED USERS that do not belong on my consumer reports. I also will attach the FTC report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a proper dispute on account # XXXX from XXXX XXXX with Experian. Experian received the dispute XXXX, XXXX 2019. I sent the reporting creditor ( XXXX XXXX ) a request for validation and they received the dispute on XXXX, XXXX 2019. I didn't get a reply from XXXX XXXX, and Experian didn't do a proper investigation or properly mark the account as disputed, which, is an FCRA and FACTA violation
Product: Checking or savings account

1. I visited PNC Bank 's website and opened a high-yield savings account on Sunday XX/XX/XXXX. 
2. During the account opening process, the option to link an external account to transfer funds to open the account as available. I linked my XXXX account via providing my online banking credentials, and authorized a transfer of {$50000.00}. The funds were immediately debited from my XXXX account. 
3. On Monday XXXX, I attempted to access my new account with PNC via their XXXX app and on a desktop computer. Both attempts failed and I was not able to reset my online access. 
4. I called PNC and spoke with a representative. She stated that my account was flagged to close because it was not funded. I found this strange because I authorized funding of $ XXXX  from my XXXX account, which had already been debited. She escalated the call to a manager named XXXX XXXX, who confirmed the information and advised that my ACH transfer of $ XXXX  would be refunded. I no longer wanted the account because of the poor account opening experience ; I no longer trust PNC Bank. She gave me a reference number XXXX. In total, this call took 60 minutes of my time. 
5. I waited until the morning of XXXX but still my money hadn't been transferred back. I called PNC in the morning and spoke with a manager named XXXX XXXX, who said that my funds would be transferred back to me by XX/XX/XXXX. She gave me a confirmation number of XXXX. This call took 45 minutes of my time. 
6. I called back at XXXX XXXX  PST after checking my account and finding that my funds still had not been returned. I spoke with XXXX XXXX, who said that ACH refunds should take 1 business day. She tried contacting her ACH department, but found that they were already closed for the day. She advised she would call me back on Monday. this call took 40 minutes of my time. 

I'm failing to understand why it is taking PNC so long to return my funds. They certainly were able to debit it via ACH within 1 business day. It should take the same amount of time to return it. This issue was caused by their own computer/system failure ; this was a bank system error. They have held my funds for a week and I've had to call multiple times, have spoken with multiple people and had to repeat myself each time, and still there is no resolution. Meanwhile, they've held my money and I have not received any interest payments.
Product: Checking or savings account

{$2900.00} IS OWED TO ME. MY BUSINESS DEBIT CARD WAS STOLEN AND USED FRAUDULENTLY. BANK OF HAWAII REFUSED TO CONDUCT AN INVESTIGATION. BANK OF HAWAII NEVER ISSUED A PROVISIONAL CREDIT WITHIN XXXX BUSINESS DAYS. BANK OF HAWAII IS IN VIOLATION OF FDIC RULES AND REGULATIONS REGARDING BOTH CHECKING ACCOUNT AND DEBIT CARD FRAUD PER FDIC.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an inaccurate late payment entry on my Experian credit report. The account in question is with XXXX, and the account number is XXXX. 

I have recently discovered that Experian is reporting a late payment for the month of XXXX, which is incorrect. I made two separate payments on XX/XX/XXXX and XX/XX/2023, well before the due date. It is puzzling and concerning that this account is being reported as late, despite clear evidence of timely payments.

This reporting discrepancy not only harms my credit standing but also constitutes a violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I believe this error violates 15 U.S.C.1681section 2, which mandates the accuracy of information reported to credit bureaus, and 15 U.S.C . Section 1a, which outlines the general requirements for consumer reporting agencies. 

Attached to this complaint is a copy of my bank statement reflecting the transactions on XX/XX/XXXX and XX/XX/2023, clearly demonstrating that the payments were made on time.
Product: Mortgage

NewRez/Shellpoint Mortgage XXXX XXXX Compliance Dept Complaint Case # XXXX To whom it may concern : I submitted a complaint against NewRez LLC d/b/a Shellpoint Mortgage Servicing in XXXX of this year because Shellpoint persistently has falsely stated I owed hazard insurance coverage and thus late fees. 
Newrez responded to the complaint by admitting ( letter attached ) that I had hazards insurance and they falsey without caused purchased extra insurance. In this letter, NewRez also admitted that no overdue fees should be in my account. However, since the letter, my mortgage statement has a overdue payment of {$790.00}. There shouldnt be any overdue payment since the matter was rectified by them. 
This is in violations of the Real Estate Settlement Procedures Act and breach of contract or estoppel, in that NewRez incorrectly charging me mortgage fees and then failed to properly investigate and remedy the error. I tried calling customer service but only get rude and unprofessional agents who refuse to provide their full names. 
I do not owe any overdue fees. This issue has effected by credit rating and adding unnecessary stress. 
Im requesting that NewRez either fix the error or explain the fees. NewRez acknowledged the receipt of the notice of error but failed to remove the {$790.00} fee.
Product: Mortgage

I have tried on numerous occasions to have PMI insurance removed from my loan as I bought the house for XXXX in XXXX which is now worth over XXXX, I did refinance in XXXX with the same mortgage company for a lower interest rate, but the company failed to inform me at the time that the law changed on FHA LOANS. I currently owe XXXX but still pay PMI at a higher rate than even the automized payment schedule states. According to the document given to me I should no longer be paying PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, reported to the three major credit bureaus, i.e. Equifax, XXXX and XXXX, that I have paid my debt in full and consequently have a balance of {$0.00} Unfortunately the three credit bureaus have not honored their obligation commensurate with their exalted position, i.e. to promptly update my consumer credit report. 

This is adversely impacting my credit score as it misrepresents my credit utilization which is a major factor of the credit score.
Product: Credit reporting

XXXX old tax liens that were paid/satisfied/released. 
XXXX from XX/XX/XXXX for {$800.00} and XXXX from XX/XX/XXXX for {$930.00}. These showed up on my credit reports XXXX. I filed a dispute with all XXXX credit reporting agencies. 
XXXX removed XXXX them immediately. 
Transunion removed the XXXX from XX/XX/XXXX, but not the XXXX from XX/XX/XXXX. 
XXXX did not remove XXXX. 
I would like XXXX and XXXX to remove these outdated derogatory reports. Thanks in advance for any assistance you can provide.
Product: Debt collection

I 'm currently in the process of rebuilding my credit and have been combing my reports when I came across a collection for an old Internet account back in 2011. I filed a debt verification letter with the collection agency at the XXXX of this month. I received a response the following day, during which they said the account status had been updated and it was placed in an " investigatory status. " When I checked my credit reports XXXX XXXX, my XXXX report shows this debt meets the guidelines set forth by FCRA. On my XXXX report, it shows the debt as being disputed. First and foremost, I never actually disputed the debt. I simply asked for a verification of the debt. 

I called to speak with the original creditor this morning, giving them the account number listed, my social security number, my name and former address the account was listed under and every other piece of information needed. After spending more than XXXX minutes on the phone with them, I had XXXX separate account receivables professionals tell me there is no record of any account or debt with my listed information in their system at any point. 

That tells me the collection agency simply ignored my debt validation letter or rubber stamped it because the original creditor does n't have anything listed for my account.