23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a shirt on my Macys credit card in XX/XX/XXXX. Unfortunately, the shirt did not fit, and I returned it. However, Macys never acknowledged the return and continued to bill me. To resolve this, I made an electronic payment of {$29.00}, which I believed should have fully settled the balance. I considered this payment to be payment in full and requested that the account be closed. 

Despite my payment and request, Macys continued to bill me, applying an excessive 20 % compounded interest rate. In XX/XX/XXXX, I made another payment of {$62.00}, clearly stating that it was payment in full and repeating my request to close the account. Yet, Macys is now claiming that I owe over {$320.00} in interest and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three Credit Bureaus XXXX, Equifax, and XXXX, and their Furnishers have illegally, and unlawfully put unconfirmed debt on my credit report. I have 2 Medical debts on the report from XXXX XXXX XXXX and I've never entered into any contract promising them XXXX. Collection companies on my report such as XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX can not Provide any proof of my signature or contract with me agreeing to pay a debt. Furthermore, XXXX XXXX XXXX in XXXX, Michigan have Accepted a cash down-payment in an All consumer Credit Transaction which is illegal according Title 15 U.S. Code 1605. Credit Acceptance never offered me Car insurance to be added to the sum of all charges. I paid a third party insurance independent of the loan with them. I also payed for other taxes and fees which were not included in the price of the loan. I demand that All old addresses be removed from all agencies and Furnishers platforms aswell. I demand that court and traffic items be removed from the report aswell because they're hindering employment opportunities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Debt collection

I have debt with capital one bank. The debt is over {$4500.00} I am always receiving mails of this debt I dont owe and believe it was identity theft
Product: Money transfer, virtual currency, or money service

I am writing this to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform! Despite using Zelle numerous times and reporting discrepancies, my Financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but have also allowed repeal offenders to exploit the system, leaving users vulnerable to scams. The 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

American Express is reporting a late account status for XXXX 2015. After disputing the results with XXXX, XXXX, and XXXX, they responded that the data was reported accurately. I called American Express and they agreed that the report should not be reported late and provided a confirmation number XXXX. I re-opened the dispute with the credit companies and again they came back and reported that American Express was still reporting the XXXX account as late even though it has already been indicated by american express that it wouldnt be reported late. I filed a consumer complaint with the NC DOJ, who opened an investigation into the account with XXXX. As of today, XXXX  is still noting the account as late for the XX/XX/2015 note.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$410.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX - {$0.00} XX/XX/XXXX XXXX XXXXXXXX XXXX IL XXXX XXXXXXXX XXXX XXXX XXXX IL XXXX XXXX
Product: Credit card

The incentive for enrollment in this card was for the XXXX XXXX  XXXX XXXX after spending XXXX within the first XXXX months. This would have offset the premium for enrollment with the card and was my ONLY incentive to become a Bank of America client. Met the requirements and instead of XXXX miles I was given XXXX miles. I have sent the email offer I enrolled from which clearly states XXXX and at no point was told it would be a severely reduced XXXX miles. Multiple several hour calls within 30 days of account activation and after the 90 days I have tried to rectify this with XXXX  XXXX and also Bank of America. Bank of America has lied and not provided ANY follow up communication.
Product: Debt collection

TransWorld Systems , Inc. calls with the call back # of XXXX. Name is XXXX XXXX XXXX. They go through different numbers & don't leave messages, scaredy-cats! I've blocked but to no avail.
Product: Credit card or prepaid card

On XX/XX/2018 a cashier 's check was issued in the amount of {$740.00} to XXXX  from XXXX as a credit consolidation and was mailed to XXXX with a tracking number. All of the appropriate information was on the check such as account number and name and also had a statement stub attached to the check. XXXX   received the cashier 's check on XX/XX/2018 and still has not processed this payment. XXXX can not cancel and reissue this due to it being a cashier 's check. LendUp is refusing to credit my account for this amount and in the meantime I'm still paying a minimum payment to them every month so it won't affect my credit score. We have the tracking information that they received it as well as the check stub saying that it was written. They are saying they can't find it and we should have paid it online.
Product: Mortgage

Confusing closing, charged a higher interest rate than originally quoted. Mortgage loan officer did not attend as promised. The closing agent attempted to contact the Wells Fargo loan officer but loan officer didnt answer the calls. 

I also had a problem with Wells Fargo failing to process mortgage payments timely and accurately. Resulting in missed and late payments charges Mishandling my payments. They even returning payments to me and later claiming that payments were not made. Wells Fargo said I defaulted on the loan and proceeded to wrongly foreclosure on my family home. My husband XXXX children and I were homeless.
Product: Credit reporting or other personal consumer reports

I received in the mail a notice that my account had been sent to collections. This was the first and only correspondence about the bill going to collections. I received no call from the company or any emails from the company. This was the first thing I get. they gave me no time to correspond with them about making any arrangements or trying to find out information about the cause of lateness. I feel this could have been avoided if they had taken the time to reach out to me. They had all my contact information.
Product: Mortgage

To Whom It May Concern, Recently I tried making my monthly online mortgage payment online w/ LoanCare a XXXX XXXX . I paid my current mortgage within the grace period on XXXX/XXXX/XXXX. As a result of me paying online, I incurred a {$10.00} servicing fee. I read about this fee from my previous statement in XXXX. Therefore, in order to not incur this fee, I set-up automatic payments effective immediately. For whatever reason, my auto payment was not set-up until XXXX/XXXX/XXXX. I tried calling customer service, stating that I set-up auto-pay more than 30 days in advance of my next statement. The rep XXXX saw that I set up the auto pay on XXXX/XXXX/XXXX, but said that there was nothing she could do. I in fact spoke to her Supervisor XXXX who told me the same thing. Hence no refund for the service fee, even though I had setup the free autopay feature, yet was unable to utilize this option incurring the {$10.00} fee. The following 2 items are my specific grievances : 1. Why are they even charging a fee to pay online? I have had several mortgages, and have never heard of such a fee. Also, my closing documents say that I have a 15 day grace period. 

2. Once I saw that they were going to charge a fee, i immediately set-up for auto payments ( no fee ). So why is it my fault that I should have to pay a fee, if they take longer than 30 days to setup the payment. 

Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested an investigation and update to my credit reports, the Credit Bureaus claimed they did a full 100 % accurate investigation and update my reports, yet items remain inconsistent. 


The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Statue of limitation expired Furthermore, based on the confirmed State of Arizona Statute of Limitations in respect to Auto Loans and repossession limited at 4 years of reporting, the item listed below has expired. I have attached a screenshot of the Arizona Statute of Limitations in respect to Auto Loans and repossessions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus is not complying with their own policies in a timely manner. I sent a letter on XX/XX/2022 addressing the issue and still no response from the bureau.
Product: Debt collection

In XXXX my husband and I got a knock on our door from XXXX XXXX on a promotion for XXXX XXXX 
What was to be a simple payment plan for an amount, has turned into failed attempts over and over through XXXX XXXX. We set up auto payments, then to find out the payments " failed '' to go through. Then to be told by XXXX that they required large payment to catch us up!
Product: Vehicle loan or lease

I paid off the vehicle that I financed through Mazda Capital Services at least 8 years ago. I am now selling the vehicle and needed a copy of the lien release as I no longer had it in my possession. I can not recall if I ever initially received one but may have. I called MCS over two weeks ago and requested a copy. I was told it would be processed within 1-2 business days and mailed out, where I should receive it in 10-14 days. I waited the maximum amount of time and did not receive it, so I called MCS to ask about the status. They informed me that my request had never actually been released because there was a backlog. They did not inform me of this during my original conversation and I had asked for very specific details about the timeline because this was time-sensitive. I have now requested it for the second time and requested it be expedited on their behalf and informed them that I would be filing this complaint. They told me they would do that but refused to send me an email with any type of confirmation it would be sent. This happened only a few minutes ago, so I am unsure if I will receive it this time. Their dishonestly up front has now cost me over a XXXX dollars on the sale of this car as the timeline I was going off of was based on the MCS agent giving me accurate timeline information that I very specifically requested. I would love to be able to upload proof of all of this but MCS clearly makes it so that they do not leave a paper trail as they denied all request of mine to send me e-mails with any type of confirmation.
Product: Student loan

Navient  XXXX .  XXXX   XXXX   XXXX , PA  XXXX  I am responding to your errant letter referenced above and enclosed for your review. For the record, the alleged consumer-reporting agency indicating the above loan is not [ mine ] or may be the result of identity theft is in complete error.     The referenced account is listed on my consumer reporting agency credit report and deleterious [ wrong ] information continues to be reported by Navient. Although the account is closed you have repeatedly reported that I was  90-120  days late on my payments.     This is incorrect. Further, I have repeated asked that Navient provide me the backup documentation supporting this claim, to no avail.  Navient  has refused to provide me any supporting documentation in furtherance of their claim. As you are aware, FCRA requires you to produce the information.     I am asking again to either square your allegation or cure [ remove  ]  the false information being reported to each of the  three  credit bureaus. Please reference below : CFPB Sues Nation 's Largest Student Loan Company Navient for Failing Borrowers at Every Stage of Repayment. Navient, Formerly Part of  XXXX   XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception  XXXX   XXXX ,  XXXX .     What I am specifically referring to are the  XXXX   ( 90 )  and  XXXX   XXXX   (   120 )  payment history being reported wherein  Navient  falsely alleges I was late.  Navient  also reports that for the months  XXXX   XXXX   XXXX   XXXX  my account was paid on time. Given the history of the on-time payments, it was not possible for me to be 90/120 late in  XXXX   XXXX  respectively.     I am requesting that you permanently remove this erroneous reporting to all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information in my credit report that is a result of identity theft. This dispute is being made under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which requires the removal or blocking of information resulting from identity theft. 

The fraudulent accounts and inquiries that I am disputing is documented in my FTC affidavit, which requires by law that you removed this fraudulent account from my report at once
Product: Mortgage

Dovenmuehle Mortgage Inc. aka XXXX XXXX XXXX   kept claiming that they never received my Loss Mitigation Package Application for Short Sale of property located XXXX XXXX MD XXXX. I have located proof of the faxed confirmation that they did received the paperwork, as it was sent to them multiple times by both realtors that assisted me. XXXX XXXX with XXXX XXXX XXXX, who was with a different realtor company at the time has proof of the paper work sent, and so does XXXX XXXX with XXXX XXXX XXXX XXXX who also submitted the completed Loss Mitigation Package multiple times on my behalf right before I went into the XXXXl for major XXXX and right after. I located the one of the fax confirmation, which proves that Dovenmuehle Mortgage Inc sat on the completed application package each time, and made false statements to you in prior reports. Dovenmuehle has cost me to rack up over {$1800.00} in condo fees due to starting premature foreclosure on the property in XXXX XXXX Maryland in XX/XX/2018, weeks after I was released from the hospital after having XXXX major XXXX. The move time that passes, the more debt has accrued on the property, only hurting me further. All of this was intentionally down by Dovenmuehle Mortgage Inc., and I am not their only victim. Dovenmuehle has a track record of false statements and deception. I have attached my fax confirmation of the very first completed Loss Mitigation paperwork sent over to Dovenmuehle, the two realtors I worked with has proof of the other multiple times the completed Loss Mitigation package was sent. Dovenmuehle kept asking for the same paperwork over and over again, and it was sent many times. Dovenmuehle unethical and untruthful practices has hurt many people, and they need to be held accountable. 
Please also see the others who have complaints concerning Dovenmuehle Mortgage Inc. 

https : XXXX XXXX  This company needs to be investigated and shut down and order to pay restitution to those they have hurt intentionally. There are other social media sources that such as XXXX and other with reports of Dovenmuehle Mortgage Inc. unethical practices. Dovenmuehle is running a scam and are untrustworthy. 


State of Maryland XXXX Of The Commissioner and Financial Regulation is investigating Dovenmuehle Mortgage Inc. for all their wrong doing also. You may  reached them at XXXX Multiple complaints regarding Dovenmuehle Mortgage Inc. has been reported for years to no avail. Something needs to be done. Thank you.
Product: Mortgage

We purchased a home on XX/XX/2023 and our first mortgage payment was due XX/XX/2023, which we paid. We were notified that our mortgage loan had been sold and all funds paid on XX/XX/2023 will be forwarded over to the new servicing company. We later received a late notice from the new servicing company, XXXX XXXX, due to no payment. I reached out to premiere Mortgage, where the XX/XX/2023 payment was submitted and was advised the funds were transferred. I called XXXX XXXX on XX/XX/2023 ; XX/XX/2023 ; XX/XX/2023 and XX/XX/2023 all resulted in being told the payment had not been received. I then contact XXXX  again both XX/XX/2023 and XX/XX/2023 and was advised the payment was received, yet with their Cashiering Department and to call back within XXXX days for an update. I called XXXX yet again on XX/XX/2023 and was told the payment was received, yet still not processed. The rep volunteered to send an email to the cashiering Department to clarify status of the funds being processed and was to contact me back. I did not hear back from XXXX and today I called and was advised the payment was never received. 
The reviews for this company have been HORRIBLE and we are afraid we will be falsely reported to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my trans u ion credit report there are inquiries on there that I never authorized to be on there, Ive contacted trans union an notified that it wasnt me and remove the injury, they did not follow the fr a laws that stats this 15 U.S.C. 1681b - U.S. Code - XXXX Title 15. XXXX and XXXX 1681b. Permissible purposes of consumer reports A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if -- XXXX ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 



XXXX XXXX BANK XXXX. XXXX. XXXX, 2023 XXXX XXXX XXXX  FINANCE XXXX. XXXX, 2023 XXXX XXXX XXXX. XXXX, 2023 XXXX XXXX XXXX FINANCE XXXX. XXXX, 2023 XXXX XXXX XXXX XXXX, 2023 XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX BANK XXXX. XXXX, 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several notices to Equifax regarding account XXXX XXXX that the account is fraud and after a several months they have not corrected the problem
Product: Vehicle loan or lease

So I obtained a loan through usaa for a used XXXX XXXX. I was paying for the car till I went through some hard times the vehicle was purchased in XXXX where in XXXX it was repossessed the amount that I owe the for the car has changed between several amounts and on multiple calls it's a different amount. The amounts range from XXXX, XXXX, XXXX and XXXX every call to usaa over the years lead to a different number. After the repossession appox a week later the vehicle was returned to me and they still made me responsible 5 years later but without a clear amount that is owed. Also on my credit report it is being switched between being active and non active after placing it in a write off profit and loss. In doing so its keeping the account alive when it should be closed and at some times they switch it from write off to repossession after they've already repossessed and returned the vehicle.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE IT DELETE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022 I AM A VICTIM OF IDENTITY THEFT.
Product: Credit card or prepaid card

I closed my account with Citi in XXXX of 2019 with the understanding that I had a {$0.00} balance. Out of nowhere I get a ebill showing a {$300.00} balance. A pending charge went through right after closing my account and since this wasnt paid Ive been accruing late fees ever since. I didnt receive any notice of this until here recently. Customer service is only willing to remove one month of late fees even though Ive not received any correspondence up until now. Now we owe {$300.00} for a {$90.00} charge we had no idea was going through when we closed our account.