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

I am writing to file a formal complaint against your organization for the repeated failures to correct an inaccurate late open account on my credit report. Despite multiple attempts to rectify this error, my credit report continues to contain misleading information that has a detrimental impact on my financial standing. 

I have diligently followed the dispute resolution procedures outlined by your agency, providing extensive documentation and evidence to support my claim that this late open account is inaccurate. However, your organization 's persistent failures to address this issue are causing significant harm to my creditworthiness and financial stability. 

It is essential to emphasize that the Fair Credit Reporting Act ( FCRA ) imposes a legal obligation on credit reporting agencies to ensure the accuracy of the information contained in credit reports. Credit reporting agencies, such as yours, are mandated to conduct thorough investigations and make necessary corrections when inaccuracies are identified. 

Despite my unwavering efforts and the evidence I have submitted, I continue to experience the following adverse consequences due to the inaccurate late open account on my credit report : Difficulty obtaining credit or loans on favorable terms.

Higher interest rates on existing credit accounts.

Substantial harm to my creditworthiness and financial opportunities.

I hereby formally request that your organization takes immediate and resolute action to investigate and correct the inaccuracies associated with the late open account on my credit report. If it is determined that this account was indeed inaccurately reported as late, I insist on the following actions : Swift correction of my credit report to accurately reflect my financial history and creditworthiness.

Removal of any derogatory or inaccurate information associated with this account.

Provision of written confirmation of the correction and any updates made to my credit report. Enclosed with this letter, you will find copies of all previously submitted documentation, including supporting evidence, dispute correspondence, and any other relevant materials. I trust that this information will expedite your investigation and lead to the swift resolution of this issue. Please help me correct the late open account : XXXX XXXX Balance : {$12000.00}.
Product: Mortgage

I have an FHA loan for 30 years {$160000.00} at 4.25 %. I was told that I would need to pay PMI for an estimated 5 years or until it reaches 80 % at signing of the loan. Its been 7 years and they still have not removed the PMI. My insurance and property tax have both went up due to the increase in home values since XXXX. My home was recently appraised at {$250000.00}. The bank says they can not use an appraisal from another bank and for them to do an appraisal on my home, that i would need to refinance. But they can only offer around 8.50 % right now on a refinance loan, and that is almost double my current loan. I feel its wrong that the bank is basically forcing me to refinance or keep paying PMI on my home and its clearly way past the point of value needed for elimination. Please help. 5th3rd bank is the bank.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently went through a credit report dispute because there were XXXX Affirm accounts that I didn't open. XXXX of the accounts were deleted, but XXXX accounts remain. I'm not sure why XXXX accounts remain if all of them were because of identity fraud. I called XXXX again, and they're doing what they can to get the rest of the accounts off my credit report. So I'm just doing a XXXX  dispute for the XXXX remaining accounts to be deleted.
Product: Credit reporting or other personal consumer reports

Hi Equifax, I just received copy of my credit report and I found those fraud inquiries that shall deleted from my credit report. 

XXXX XXXX inquiry date : XX/XX/year> XXXXXXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX inquiry date : XX/XX/year> XXXX XXXX XXXX inquiry date : XX/XX/year>XXXX XXXX XXXX XXXX inquiry date : XX/XX/scrub>XXXX XXXX XXXX inquiry date : inquiry date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX, inquiry date : XX/XX/year>
Product: Debt collection

I paid the final bill to XXXX XXXX XXXX, and apparently, as I was making that payment, they sent my owed balance to some caine & weiner collection agency who insists I still owe it. When I call progressive they act like the payment must not have been made because of the fact that it's with a collections agency.
Product: Bank account or service

I got a Wells Fargo easypay instant card and added {$150.00}. I made one purchase at XXXX XXXX, the total was {$89.00}. When I tried to make another purchase at another site, a message came up that said that the order could n't be confirm.I obviously continue trying sense I know I had {$60.00} left. The same message would come up. I tried buying from other site within my budget and nothing.I went to the bank and ask what happen?. They would say that nothing was wrong with this card to call the companies. I knew they were lying because I have bought things from those same site using XXXX, or XXXX XXXX gift card. I know XXXX dollars is not a lot of money, I just wound what they were thinking, like that I was n't going to remember how much I put in the card. I can proof how much I add an how much I wasted.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have no obligation to pay this collection agency, never had an account with this company. Please delete immediately before further harm is done ... XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX A )
Product: Checking or savings account

I tried paying the IRS on XX/XX/XXXX for monies owed on tax return. Received confirmation from the IRS that payment was initiated but on XX/XX/XXXX received notice that payment was not made because my account was frozen. I called Citizens Access to ask why my account was frozen. The agent informed me that it was not frozen but there was an issue with my address. It seems that when they sent out my 1099 it could not be delivered. I did not receive any notice informing me of this. I had moved and that information was updated while I was on the phone. I was told I was good to make the payment and that it should have gone through the first time. So on XX/XX/XXXX I paid the IRS again and again a few days later received notice that payment did not go through account is frozen. Prior to receiving that notice I had called Citizens to inquire if the funds had been withdrawn. On XXXX I spent at least half of my day calling and recalling Citizens to get my account unfrozen. Each time I called I was given the same response. Its under review and theres nothing more that can be done. So my account has been frozen for almost 2 weeks with no notice re : that it had even been done. In the meantime penalties and interest are accruing with the {$21000.00} owed to the IRS
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX and XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Credit card

I was charged a " transaction fee '' of {$10.00} on XX/XX/year> but there is no additional information and Chase provides no way to dispute the charge.
Product: Credit card or prepaid card

I'm filing a compliant due to the Federal Reg that a company is required to notify the consumer about a decrease credit limit on their acct. I paid my acct in full on XXXX XXXX and the account limit was XXXX ; however, I logged onto the account on XX/XX/2020 and discovered that my credit had been decreased to XXXX. I have called to get in touch with customer service but stayed on hold for 45 minutes and called dropped. Im currently dealing with ramification of the corona virus and this is real sad that Macy 's just dropped my limit without sending me notification within 30-45 days of the change as well as effecting my credit score to decrease dramatically.
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 submission, 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. Code 1681i which mandates a reasonable investigation of disputes. Furthermore, Equifax action may also contravene the consumer financial protection act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative 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. This are the accounts that I marked inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My son went to XXXX XXXX at XXXX XXXX XXXX XXXX  in XXXX of XXXX XXXX XXXX submitted my insurance information incorrectly, charged me {$40.00} for a copay and a few weeks later I received a bill in the mail for about {$140.00}. On XX/XX/XXXX, when calling XXXX to have them resubmit to my insurance company they refused to talk to me citing HIPAA as the reason and hung up on me. 

About 1 week ago I started receiving daily calls from Transworld Systems Inc, trying to collect on a debt I owed to XXXX. They wanted me to validate my DOB, Address, and other personal identifiable information which I was not comfortable to exchange on a unsolicited phone call. They referenced XXXX which was paid by my insurance company in XXXX and when I talked to XXXX they said they actually owe me money ( {$35.00} ), not that I owe them anything. Transworld Systems calls me daily and threated multiple times to continue to call me until I verify information with them.
Product: Debt collection

pioneer credit called my home phone with a vm message that was perfectly clear regarding the purpose ( to collect a debt ) but as soon as the name of the person they were looking for was spoken it turned into goobley gook. same thing happened when they left a call back number ... i guess the goal was a caller id call back, sounds like a process server. these calls came in sequence of XXXX 's, all the same. THis went on for XXXX to three weeks, everyday ... varied times. i had enough dialed back and was immediately bombarded with 'who am i? ' i refused to answer, referring to my number on their caller id. i have an amazing credit score and this is a treat to me ... i never owe and dont pay. the XXXX on the phone thought the whole thing was funny i guess to antagonize ... well he did i asked him how secure his 'glass house was ' and let him know XXXX ny ( their office ) was not on the other side of the country and i got a call the next day from their 'security officer ' tel number XXXX XXXX ... Navient but it was a cell call ... he told me he would send the local police to my house and have me charged with a 'XXXX ' i agreed that the 'threat ' was made out of frustration and listened to him chastise me for twenty minutes for being in his airspace ... bottom line, XXXX ( me ) has a mid XXXX XXXX and pays his bills before they are due forget about late. btw, they were looking fro someone from XXXX, no relation and he has a facebook
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Experian : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ] XXXX : [ XXXX ] [ XXXX ]
Product: Debt collection

My situation is that the fifth third bank is charging me {$690.00} and I have never had a bank account with fifth third bank. 
The only bank that I have always had has been XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I recently reviewed my credit report and noticed that an account with XXXX has been reported. I would like to understand how this account was verified during the reporting process. 

Could you please provide information on the methods or documentation used to verify the account with XXXX? Any clarification regarding this matter would be greatly appreciated. 

Thank you for your assistance, and I look forward to your response. 

Best regards, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent an investigation request to Equifax and XXXX XXXX. They are supposed to respond with the investigation results within 30 days. Its been 45 days, and they have not responded yet.
Product: Checking or savings account

I paid for services / goods to XXXX through my Citi bank account on XX/XX/2020 the amount was {$170.00} on my bank statement. Citi bank altered the amount to {$92.00} which is incorrect I have a screen shot. I spent {$78.00} for Handy Services from XXXX I had to go elsewhere locally to pay for a TV Mounting neither XXXX or Citibank refunded my {$78.00}
Product: Debt collection

XXXX XXXX. XXXX The response from Crown Asset Management LLC XXXX not true. 

As they state " Initial notification about this debt was provided by XXXX on or about XX/XX/year>, to the same address as listed on the complaint. Prior to receiving the subject complaint, XXXX has not received communication from the consumer requesting documentation to validate the debt or allegation of fraud. XXXX, mailed documentation to validate the debt to the consumer on or about XX/XX/year>. '' I never received anything from them either their communication of XX/XX/year> or XX/XX/year>.
Product: Vehicle loan or lease

The car, a XXXX XXXX XXXX, was purchased in XXXX for approximately {$18000.00} with a 6-yr term. The final payment was due to be made in XX/XX/XXXX. They offered a two-month deferment at some point during that period which was accepted. The understanding was that the final payment would now then be due XX/XX/XXXX. With all of the interest and fees, an {$18000.00} car ended up costing in excess of {$36000.00}. 

On the GM Financial app, there was a countdown to the number of payments that were to be completed for the 72 months. In XXXX it stated there was only one payment left ... I later found out that there was an additional {$6000.00} owed on the vehicle. This seemed impossible provided that I had been paying on the car for 6 years. Upon calling the company, they tried to tell me that the extra {$6000.00} was a result of interest that accrued with the deferment and also late payments along the way. While it is true that I ran into financial difficulties and had a run of late payments, I paid those late payment fees and now I feel like I am being double charged for it. 

The car, in fair condition, its only worth about {$1200.00}. It makes no sense to pay GM Financial another {$6000.00} on a car that was only purchased for {$18000.00} when they received {$36000.00} for it. I offered to settle with them for the value of the car. They are not willing to accept that. I should not have to pay them anything else!! I am to the point of asking them to just do a voluntary repossession, because theres no justification for paying them any more money for this car that is falling apart! I agreed to continue paying on it in fear that they would come and repossess it if I did not make an agreement. But, I have no intentions of continually making payments for the next year as it DOESN'T MAKE FINANCIAL SENSE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response that you wont process my request to dispute inaccurate information because you believe it didnt come directly from me or are claiming that Im working with a third party or credit clinic. Lets get the record straight!!! XXXXm the one whos disputing this information. The information Im disputing is INCORRECT & I NEED THIS MATTER HANDLED IMMEDIATELY. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the DATA FURNISHER had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth, and SSN #. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the police report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the police report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

Accounts : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8500.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}, and XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00}, Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for :
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit reports that I did not initiate, have any knowledge of, or have any complicity in. Not did I personally authorize any of the hard inquiries. I did or have filed disputes with all three credit bureaus regarding the unknown and or unauthorized inquiries and all three credit bureaus have denied my disputes and notified me they can do nothing and for me to contact the company or entity that made the inquiries and ask them for assistance. I did contact entities that made hard inquiries and as of present date and time, no assistance has been given and no corrective measures taken. The companies that have made the hard inquiries are : One MainFinancial conducted on XXXX, XXXX, and XXXX. XXXX XXXX conducted on XXXX and XXXX. XXXX XXXX XXXX conducted on XXXX and XXXX. XXXX conducted on XXXX. XXXX conducted on XXXX. And finally, XXXX XXXX conducted XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 i sent letters to XXXX, Equifax and XXXX about accounts that were opened with identity theft, they didn't remove all the accounts that was listed as id theft and thats against the law. i sent letters again to XXXX, Equifax and XXXX on XXXX because they didn't remove XXXX  XXXX  A/C # XXXX 2.XXXX/XXXX  A/C # XXXX eventhough its id theft and i sent my ftc they still failed to delete it eventhough by law ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. they are breaking law please make them follow law and delete
Product: Credit reporting or other personal consumer reports

These deals don't have a place on my credit report, and I have no relationship with the recorded credit advance managers. I rapidly request that they be normal out from my attestation report.
Product: Credit reporting or other personal consumer reports

recently I Was Reviewing My Credit Report And i notice an inquiry wich 1 dont recognize, this inquiry is affecting my Credit and it should be removed
Product: Prepaid card

I am entitled to XXXX payments relating to Paid Family Leave for XXXX my daughter on XX/XX/2017. Those payments come via a Bank of America prepaid debit card. The original card was supposed to have been sent to my current address on XX/XX/2017 ; it never arrived. When I reached out to Bank of America, they informed me that the only free option was to issue me a new card, arriving approximately XX/XX/2017 -- about 1.5 months after my leave began. Alternatively, I could pay {$10.00} to receive the card sooner. They refused to pay for the quicker shipment, claiming that I must have thrown the card in the garbage ( which, of course, did not happen ). 

Bank of America essentially owes me these funds, I never received them in a timely manner, and they sought to either charge me extra or further delay the payment that they owe me. This seems wrong and abusive, and I have no recourse ( i.e. not using BofA ) because they are the exclusive provider to XXXX.