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

I am writing to provide an update on my ongoing efforts to correct late open accounts and remove late closed and charge off entries from my credit report. Despite numerous attempts, these inaccuracies persist, and I am seeking further assistance to resolve this matter. I have diligently pursued the correction of late open accounts and the removal of late closed and charge off entries on my credit report. I have submitted disputes, provided supporting documentation, and engaged with creditors and credit reporting agencies to address these issues. However, to my disappointment, the inaccuracies remain on my credit report, negatively impacting my creditworthiness and financial standing. This persistent issue has caused significant stress and hardship. It is imperative that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. With this, I am asking for your assistance to correct or remove the accounts : XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX. XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - I see things may be inaccurate. Start looking at the account name, opening date, and account status. I believe this information may be inaccurate. I need this deleted now. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Investigate the way this account is reporting the date of last activity, account name, and opening date. I believe this information may be inaccurate. I need this removed now. 

XXXX. XXXX XXXX XXXX Balance Owed : {$710.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Mortgage

In XXXX of this year I applied for a home mortgage loan. My relator sent me to this company because she has worked with them and other companies before. I did not know the ins and outs of loan and processing or anything. This company as well as the company they transferred my mortgage over to are companies to help build your credit. The thing is I already have a great credit score. One thing I was never told is that I have two loans. I never knew they had me take out a second loan and it was done without me even knowing vs just giving the original amount and having me find a home less than what I got. The home was not worth what I paid. I did not know too much about anything. I just want this company and the relator I had to know what they did was not right. I just don't want this happen to anyone else. If I could take back anything, I would have never said yes to this relationship with any of the people who helped me.,  because they did a horrible job.
Product: Checking or savings account

I am trying to link my bank account in order to file for a PA covid 19 grant and am getting a message that PNC has made a change that has prevented this link from taking place.
Product: Credit reporting or other personal consumer reports

I have a pending XXXX XXXX XXXX charge that is closed with no disposition
Product: Mortgage

Loan Care has sent me 3 letters stating that I am in default and am going to loose my house. They sent me the first letter on XX/XX/XXXX. They sent another letter on XX/XX/XXXX. They then sent another letter on XXXX. This is now harassment. I have payment receipts from them for the month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX and so on. I can also show where the check cleared my bank. The check for the month of XXXX was put in the mail on XXXX, XXXX so I am not behind on any payments. This is causing me unmeasurable anxiety, I am scared someone is going to show up and kick me out of my house. It's giving me hives and making me loose sleep. I need this taken care of ASAP the emotional distress it is causing me is taking a toll on my daily life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account has never been late but Experian is reporting it late.
Product: Credit card or prepaid card

Macy 's store credit card. Charging me excessive late fees when i have paid on time every month. They concocted an artificial due date to be able to justify charging me late fees. I have paid more than the amount and requested a different due date and they still charge me late fees and dinged my credit report. 
They are gaming the system to over charge late fees and I have not missed a payment since I started the account. 
It is a scam to extort money from me at the risk of causing my credit score top be reduced.
Product: Mortgage

On XX/XX/XXXX of every year, the XXXX XXXX Arkansas tax bills are available online to view for the current year taxes that are due every XXXX This information will be important later. On XX/XX/XXXX, Planet Home Lending completed an escrow analysis that listed the property tax as {$2500.00}. I reviewed the XXXX XXXX website and confirmed the actual amount due was just short of {$380.00}. This information was also accessible to Planet Home prior to completing the escrow analysis. I called, they were confused and unaware. They reiterated the amount due was {$2500.00}. I called them out on it, saying they couldn't have actually checked. The lady that day then decided to check, she came back and told me the amount was {$340.00} for what was due. I had to correct her and educate her on the difference between personal property tax and real estate tax. She pulled up the account for my personal property, my vehicles, and not the actual real estate. She finally got the correct information. I spent time calling them back after this to follow up and FINALLY about 3 weeks later they corrected the information but there continued to still be miscommunication and errors on their part. I keep records of everything. My husband and I decided to just cancel/delete our escrow entirely and manage the payment of our own taxes and insurance. Planet Home requested a statement asking for escrow deletion with both my husband and my signature. This document was sent and received by them on XX/XX/year>. A follow up call was made later that week. We were advised the document could not be located. After speaking with several people, they were finally able to 'find it '. Until today, I kept following up with no update. They called my husband twice. Because of his occupation, he was unable to answer. He advised me that they called and I returned the call today, XX/XX/year>. Today, I spoke with a supervisor who told me that the signature on the document sent in and the signature on our closing documents didn't match for my husband. I explained that in closing, you are required to sign A LOT of paper work. I didn't think that it was so far fetched that a person would shorten their signature to save their hand from cramping and to save time. Furthermore, I also shortened my signature on the closing documents. It didn't make sense that his signature wouldn't match, but mine would. I explained this to her and after I was placed on hold while she 'rereviewed " the documents. She came back to tell me that I was correct, the signature does just appear to be shortened. 
This company has been nothing but incompetent from the initial phone call and if it wasn't for my being diligent and attentive, they would be continuing to mismanage our account and take advantage of us. I am filing this complaint in hopes that it will yield a result in making the mortgage company accountable and to stop mismanaging our account.
Product: Credit card or prepaid card

On XX/XX/2021 I paid {$470.00} for Healthcare Insurance with a company called XXXX. 
XXXX mistakenly charged my card twice ( {$470.00} x 2 ) instead of just once. 
I contacted XXXX by phone and also by XXXX through an insurance broker called XXXX XXXX. XXXX says that on their end only one charge is showing. 
BUT on my XXXX Credit Card statement there is clearly TWO CHARGES that posted to the account. I only authorized ONE charge, so the other needs to be removed. 
The insurance broker at XXXX XXXX said two weeks ago that XXXX is going to remove the extra charge, but they have not done it. 
I opened a claim with the XXXX Barclays but they still have not resolved it despite the fact that its an obvious case of a mistaken double charge.
Product: Student loan

In fall XXXX I noticed that several older payments in my Fed Loan Serving account, in the " Public Service Loan Forgiveness ( PSLF ) Payment Tracking '' were described as " Payment Is Pending Manual Review '' while I was trying to determine if they will count toward PSLF or TEPSLF. These payment dates range from XX/XX/XXXX to XX/XX/XXXX, and include approximately 26 payments. I called in the fall of XXXX, as well as in the Spring of XXXX, and again today ( XX/XX/XXXX ) and each time have been told that there is no timeline for when this " manual review '' will be completed and was told today it may take over a year. The outcome of these payments greatly impacts financial decisions I will be making in the coming months, and I would like to know when it will be resolved. It's hard because I have received no definite timeline, and it's already been 9 months. These payments should count as PSLF qualifying payments, and I'd like the manual review to be completed so I can apply for PSLF in a timely manner when I am eligible. 

Thank you, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The company took advantage of me being in a desperate situation and locked me into a loan with an illegal interest rate. They want over 400 % which is not legal in the state of NJ.
Product: Debt collection

I paid my debt on XX/XX/XXXX yet hunter Warfield continues to call multiple times a day every day. I 've told the man on the phone multiple times to stop calling that the debt is paid and he will not.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Report and noticed that i had late payments on an account that i was never late for Consumer Reporting Agencies have assumed a vital roll and a have a responsability to report Consumer information to the best of their ability with maximum accuracy. i have never been late on payments fot he account : XXXX XXXX XXXXXXXX XXXX  Account number : XXXX, please investigate and provide proof with statements showings that these payments were late. if proof can't be provide i demand these payments be updated on time as they should be as i was NEVER late. thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items.

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding Experian 's failure to conduct proper investigations.

Specifically, in a lawsuit filed against Experian, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

I looked on my XXXX credit report on XX/XX/year> and noticed some things are incomplete or inaccurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

in XX/XX/year> vehicle totaled, my insurance company paid all but XXXX} of the balance remaining. Ally finance set repayment at XXXX monthly. I contacted ally spoke to several agents asking for a lower more affordable payment all agents declined to work with me. I have attached the dates and times I have spoken to Ally agents who declined to work with me.
Product: Debt collection

This company has repeatedly sold this account to several company and I have already paid this account off. Different company is calling me to collect debt on this account .Please me to solve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an identity theft dispute on three credit cards in XX/XX/2017. Two accounts were with XXXX XXXX, one was with XXXX XXXX XXXX. I submitted the identity theft disputes through the CFPB. It was my father who used my personal information to open three credit cards, run them up to the maximum, they default on paying them. I had no idea that my father has done this act until it was too late. As you can see from the attached deletion pages from every credit bureau, XXXX XXXX has deleted the fraudulent accounts from every credit bureau. For that matter, I am attaching copies of every updated credit bureau, showing that XXXX XXXX and XXXX  confirmed the identity theft criteria, and Equifax has removed the XXXX  XXXX accounts. XXXX XXXX and XXXX confirmed the identity theft and deleted the XXXX XXXX XXXX  account as well. Both XXXX and XXXX XXXX show my credit history as excellent. Equifax is being duped by XXXX XXXX XXXX  as they state that the fraudulent account is valid, which is a joke. XXXX XXXX XXXX  is in violation of the subscriber agreement they have with Equifax pertaining to accurate reporting. Each day that XXXX XXXX XXXX   carries this item on my Equifax report is an FCRA violation as well as a FDCPA violation. This financial institution must be fined and sanctioned for these violations. This account must be deleted permanently. I will seek legal counsel to sue if XXXX XXXX XXXX  continues to hold my credit hostage for not validating the original procurement of a credit card that was obtained fraudulently. This reference to a charged off account must be deleted immediately!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Equifax for them to remove the account and information that resulted due to the theft of my Identity. The last letter I sent to Equifax was XX/XX/XXXX with complete attachments of my Persona information, but despite all my efforts, Equifax seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Equifax to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EQUIFAX REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}
Product: Credit reporting or other personal consumer reports

This was the remaining items that I need to DELETE from my credit reports. Yet none, of the credit bureaus do the job well. And I was hoping that they will remove them like the way they did with my previous first request, however, they didn't and I am trluy hoping that the XXXX will REMOVE this account the way the bureau did, but no. Now, I'll sincerely ask the Credit Bureaus to once more please help me in removing FRAUDULENT ITEMS from my credit reports. Please see the items below : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was made aware that they were violating 15USC A 1681 2A ( i ) & 15 USC 1681b ( 2 ) with previous affidavits. After further investigation, I as the consumer discovered there are 90 Inquiries still appearing on my report from XX/XX/XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The information and Accounts listed below have violated my rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : XXXX. Current Employer - XXXX XXXX XXXX Account Dispute - Account XXXX XXXX XXXX : Incorrect Request immediate deletion - Account XXXX : XXXX XXXX XXXX XXXX request immediate deletion - Account : XXXX XXXX XXXX Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX :. Resolved account request immediate deletion - Account XXXX XXXXXXX XXXX XXXX : request immediate deletion - Account XXXX : XXXX XXXX Request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion - Account : XXXX XXXX XXXX XXXX XXXX request immediate deletion - Account XXXXXXXX XXXXI incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX XXXX  : request immediate deletion - Account XXXX XXXX XXXX  : request immediate deletion
Product: Checking or savings account

On XX/XX/20, through the complaint process with the CFPB, I reported and reasserted to Wells Fargo Bank that fraud was committed on my closed checking account. I provided all of the information that I have regarding the matter, including my account number, the dates and amounts that were stolen to the extent possible, and what I believe happened. Wells Fargo Bank has yet to address the issue. They should have began an investigation at that point, and should have completed their investigation within ten days. If they needed more time, they should have informed me of such a decision in writing. I have provided the information to them in writing as requested on several occasions. I would like to know what their determination is, how they made it, when they made it, and ask if they have followed Federal Regulation E regarding this matter. I would like my rights under Regulation E to be enforced. I believe Mr. XXXX XXXX would be the contact at Wells Fargo. This matter should have been completed no later than 45 days after I made them aware of the matter. It has not.
Product: Debt collection

i consumer XXXX XXXX XXXX entered into a financial credit transaction at ONEMAIN FINANCIAL GROUP LLC. LOCATION, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NEW YORK XXXX. THEY FAILED TO DISCLOSE DOCUMENTS RELEVANT TO THE CREDIT TRANSACTION. A consumer credit transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction, because i know the finance charge is the sum of all charges i was not expecting to have to pay these payments they have been charging me.
Product: Credit reporting

They took off the collection account because they discovered it was n't mine and now XXXX of them are added on of the same thing that was disputed and removed.
Product: Debt collection

HUNTER WARFIELD, INC has continued to report a past dept from XXXX to XXXX and back and fourth without offering me a settlement option in order to destroy my credit history, they where removed from my credit report for the same dept but later re-reported with an even higher balance and I would like to resolve this dept but am unable to because of no contact settlement information from this collection agency!