23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have disputed an amount of {$1300.00} against XXXX with American Express. The transaction was in XX/XX/XXXX. I had returned the item and provided the return tracking info but the seller was still not refunding. The item received was missing parts. Then XXXX said they couldnt do anything bc its a third party seller and they are unresponsive. They suggested I dispute with AMEX. So I disputed with Amex back in XXXX and I received the credit. But later the credit was reversed and I wasnt given an explanation why. So I reopened again. This cycle of opening and closing and back and forth with XXXX and AMEX continued. So XXXX agent gave me the final answer that only AMEX can reverse the amount. But now Amex is telling me they can not do it because its past 30 days. Thats something new they told me today, XX/XX/XXXX. All these time they said they were reopening and investigation is in progress. I think this is u fair to give false information to the customer and keep dragging it to say 30 day period is over. There are chat history on my online account and all the phone calls I made to AMEX. I would really appreciate this resolved ASAP bc I am getting charged interest in my account and my credit score is being affected due to this. I sincerely look forward to hearing back.
Product: Mortgage

My first mortgage payment was due XX/XX/2022 to United Wholesale Mortgage ( UWM ). On XX/XX/2022, I signed up for autopay and received confirmation email that confirmed enrollment and stated my first autopayment is due due XX/XX/2022. The autopay function didn't pay XX/XX/2022, because I hadn't paid XX/XX/2022. I got a notices that my account was delinquent and would go into foreclosure in XX/XX/2022. A " 30 days past due '' alert was added to my credit report. 

On XX/XX/2022, I contacted UWM paid the past due amount plus one late fee totaling : {$3700.00} on XX/XX/2022 to rectify the payment. I asked them to remove the past due alert from my credit report and they denied. They said I needed to file with the credit reporting company. 

In XX/XX/2022, I filed a Dispute with XXXX. I didn't realize there were 3 credit bureau 's that I needed to file with. 
On XX/XX/2022, I filed claims with all. 
XXXX Claim : XXXX XXXX XXXX  : XXXX XXXX Claim : XXXX On XX/XX/2022, I contacted all of the credit bureaus and the agents informed me of this : - XXXX - updated the dispute, the alert remains on my credit. They instructed me to file complaint with CFPB. I filed complaint XX/XX/2022. 
- XXXX - updated the dispute, the alert remains on my credit. The agent refiled to dispute the " Status of the Account '' and to " Remove the 30 Day Past Due Payment '' alert from credit report. Refiled on XX/XX/2022. 
- XXXX - updated the dispute, the alert remains on my credit. The agent refiled the dispute to " Remove the 30 Day Past Due Payment '' alert from credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX UWM ( United Wholesale Mortgage ) Loan. Acct : XXXX I have an excellent payment history for over 30 years. I have never been in default on a mortgage loan. I would like you to investigate the dispute to remove the rating to remove the " 30 Days Past Due '' alert XX/XX/2022 to from my credit report. 

On XX/XX/2022, I got an email notice from UWM that my first mortgage payment was due XX/XX/2022. See attachment. 

I logged into my UWM account and signed up for Autopay on XX/XX/2022. On XX/XX/2022, I got an email from UWM confirming that I was enrolled in Autopay stating, We will automatically process your first payment on XX/XX/2022. I thought since I enrolled in Autopay, that the first mortgage payment was now due XX/XX/2022, not XX/XX/2022, according to that email. See attachments. 

I received a Delinquency Notice from UWM XX/XX/2022. See attachment. 
On XX/XX/2022, I confirmed with my bank that the XX/XX/2022 Mortgage didnt get paid through Autopay. I called UWM and paid in full the XXXX and XX/XX/2022 mortgage totaling {$3700.00}. I also paid a late fee of {$79.00}. See attachments. I asked them to remove the " 30 Days Past Due '' alert from my credit report. They declined. 

This was an honest mistake. Ive paid the mortgage on time monthly since XX/XX/2022 with an additional $ XXXX to the payment. This can be rectified by removing the alert to restore my credit history. Please investigate this complaint. I appreciate your consideration in this matter. 

Best, XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an issue with my Apple Credit Card issued by XXXX XXXX Bank that I am hoping can be effectively mediated and resolved. 
I utilized my Apple Card with a merchant on XX/XX/2020 in the amount of {$8.00}. I use that card very infrequently and for smaller amounts. It is a newer consumer credit card for me, and I have been trying it out on occasion. Apparently, I forgot I made the charge and my {$8.00} balance went unpaid at the end of XXXX. By the end of XXXX I was still unaware of the charge on my account and I incurred another resulting interest cycle in the amount of {$0.00}. I received no notifications via email or otherwise of my late payment due until XX/XX/2020 when I became aware of it because I a received notification of reporting to my credit agency. On the XXXX of XXXX, I called Apple/ Goldman Sachs and reviewed my account with an attendant ( XXXX ) who confirmed that the email they had for me was not functioning and I likely had not received their notices of late payment. She apologized for the issues I was having as did I for the oversight itself. She agreed to send a dispute of the issue along with a request that the report be withdrawn from the credit reporting agency. What I received then was a series of automated messages from Goldman Sachs stating that the report was made correctly and there was nothing further that could be done at this time. My attempts in follow up to multiple attendants and supervisory staff on both XX/XX/XXXX and XX/XX/XXXX have only resulted in the same formatted email response. I have formally requested a goodwill retraction of this reported delinquency and have been refused that by Goldman Sachs at each turn. 
Previous to this incident, I had a perfect credit rating without a single late payment in over 25 years of consumer credit usage. With one late payment in this instance, my credit score went from XXXX to XXXX. I will unfortunately suffer unfair and unreasonable harm should this simple and minor miscommunication be allowed to stand on my file. It is within the banks discretion to retract this report as a show of goodwill considering the impact to me and the amount and time delay of the payment, yet they refuse to offer that resolution despite acknowledging the communication issue between us and refunding the {$0.00} interest charge. The impact to my credit and business credit lines will unfortunately cost me thousands of dollars in additional interest until this falls off my file likely years from now. I would respectfully ask for any intervention or mediation on my behalf to help resolve this matter and assist me in finding a reasonable resolution.
Product: Debt collection

I have never opened an account with this company, have no knowledge of who they are and have never signed anything with them yet they are reporting information on my credit report. 

Portfolio Recovery A Date opened XX/XX/2017 Balance {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This account should be off of my credit. I payed the collection agency and we agreed to remove the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I began the process of applying for a home mortgage and my mortgage broker pulled my credit. On my account, they found an unpaid bill from XXXX from XX/XX/XXXX that was now in the hands of XXXX XXXX XXXX. In XXXX of XXXX ( final bill attached ), I closed my personal XXXX  account and joined a family plan, meaning that this bill, for just me, in XXXX did not make any sense as I was no longer a sole customer and the current plan I had was under another name in my group. I tried to submit a dispute via phone to Equifax three times. Each time I would spend 10 minutes waiting to get through to a person and the second I would get through, the call was dropped. This was extremely frustrating as I could not speak to a real person to ask questions. I submitted a dispute to Equifax for this unpaid bill, claiming that I had never seen this bill. I also submitted my final bill to XXXX in XXXX which I had paid in full. I also want to note that I had actually NEVER seen this bill. I had never received anything in the mail about it, never an email, no communication whatsoever. I never delete my emails for this exact reason. The address that XXXX XXXX XXXX had on file for me was my home 6+ years ago and I no longer live there, let along that city. 

On XX/XX/XXXX, my Equifax dispute had " closed. '' For 1 week, their website did not work and I could not actually read the file about my dispute. A week later, I was able to get onto their website and I was told that they found that the bill in fact was attached to my name and was not fraud. I was upset, and decided to call XXXX XXXX XXXX and pay it. Because it was {$33.00} dollars and I had the means to do so. This was on XX/XX/XXXX. 

My mortgage broker then advised me to call XXXX XXXX XXXX back and ask for them to delete it off of my credit score as this is something they sometimes do for people who are trying to buy a house. I called XXXX XXXX XXXX the next day ( XX/XX/XXXX ) and spoke to a " manager. '' After asking them to remove this from my credit she told me that there was nothing I could do because I had already paid it. She also disclosed to me that the file has still be in dispute status and I could have possibly had it removed if I had waited. Equifax told me it was closed. I had absolutely no idea that it was still under dispute when I had called to pay it. The customer representative did not disclose that information to me and just took my money. The manager told me that I would have had to " ask '' about it but why would I ask if I did not know that was even an option? Regardless, there was no help whatsoever to educate me on the process when I called to pay it and there was no information about the companies still in the dispute process. 

I then also on XX/XX/XXXX, called XXXX to see if they could help me at all. The customer service rep told me they could not do anything and that it was in XXXX XXXX XXXX hands at this point.
Product: Debt collection

We moved and I havent received any mail in regards to our debt. Someone had called the new company I am working for and requested to speak to and with the HR Department in order to verify information in regards to me and to get additional information about me. Which is completely not okay at my place of work and illegal and they told the person why they needed to verify. The debt collector also didnt show proof of the correct amount I technically owe, they claimed that I was the only one responsible for this debt, however I am not. The second time I heard from the debt collector was today, again harassed at work but by being served papers by a police officer. The small suit claims indicates falsehood because it states I am solely responsible for the debt when someone else is, there is no proof of amount owed, they placed my home address as my work address and they want me to pay their fees. This has caused harm to me and my reputation within my established place of work. Within the form it shows how they are involving the HR department of my work to serve me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of the online credit freeze service at Equifax called MyEquifax, which only presents me with a screen that tells me I must call them to manage my credit freeze. This is acceptable although inconvenient, but on XX/XX/2019 when I attempted to temporarily lift my freeze over the phone, the automated system repeatedly told me I had a temporary lift ending XX/XX/2019, and then immediately ended the call after that information. By trial and error with pressing 0, I was able to reach a human agent, who verified some information but hung up before doing anything to fix either my online login or credit freeze problem. As it is now, I can not open any new credit if the creditor pulls my score from Equifax.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX. 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. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contracted XXXX on XX/XX/XXXX. By XX/XX/XXXX I was admitted into the hospital. I am very lucky to be alive as I suffered from XXXX for my whole life. I was eventually released from the hospital and sent home for XXXX  I was out for 60 days and lost my job. I had a reoccurring payment returned for insufficient funds on XX/XX/2020. I wasn't made aware of the insufficient funds payment when it happened otherwise I would have had someone deposit for me. Having said this I contacted BMO and explained to them the situation on XX/XX/2020, caught the payment current and requested a Goodwill Adjustment due to extenuating circumstances caused by Covid 19, the pandemic. They told me over the phone it would be no problem. I recieved a response back from BMO on XX/XX/2020 denying my request. I then disputed it with XXXX XXXX, and XXXX and was also denied because they said BMO verified the account. Having said this, I am requesting that the account 's late payment be updated to current under The Hereos Act Section 110401.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX US DEPT ED XXXX Balance Owed : {$480.00} US DEPT ED XXXX Balance Owed : {$1000.00} XXXX XXXX
Product: Mortgage

XXXX XXXX of XXXX, I closed on my 1st home. The purchase price was {$180000.00}, and at the time I received a {$9900.00} grant for the down payment of the home. En lieu, I had received an interest rater of 5.25 %. XXXX, at Academy Mortgage, told me that we could do a no cost refinance ( lie ) in XXXX to reduce the interest rate to a respectable amount. 

XXXX of XXXX, I do the refinance at a cost of approximately {$2400.00} to me ( built in the loan ). I accepted a 4.125 % rate with no PMI. I was appraised at $ XXXX, and the loan was for just over $ XXXX. 

In XXXX of this year, XXXX called me to ask me to refinance the loan again because they were having a hard time trying to sell the loan to their investors. She said that she would do the refinance at 3.99 % and no closing costs. I turned her down, because I did not want to jump through hoops for a few dollars. ( My intent is to sell the house in a year and a half anyways, so I can upgrade ). XXXX approached me again and offered 3.875 % and I declined. Five minutes after I sent the email declining, XXXX called me and begged me to refinance the loan for 3.75 %. I reluctantly agreed. She assured me that my payment would go from {$970.00} to {$930.00}. I signed all of the documents and received copies of them all. XXXX told me that it would not be necessary to make a XXXX XXXX payment while I am going through the refinance, so I took that money and paid on my student loans ( I have confirmations of this ). XXXX also told me that my first payment would not be due until XXXX XXXX ( again, I took my XXXX XXXX payment and paid student loans instead ). 

Last week, XXXX tells me that their " investors '' accepted my original refinance terms from XXXX and there was no need to do the current refinance. Safe to say, I am extremely upset about this whole situation, and this is where I am asking your help. They want me to immediately make my XXXX XXXX payment ( which I do not have ). They also want me to make my XXXX payment right away, for which I have financial records stating that I paid off student loan debt. I also have emails showing most of the correspondence with XXXX, stating it was unnecessary to make the XXXX or XXXX payment because my first payment would not be due until XXXX XXXX. 

Academy Mortgage called me and notified me that they would be willing to give me {$980.00} and that is all they will offer me. They forwarded the issue to their corporate attorney, XXXX XXXX. 

I signed all the paper work agreeing to a 3.75 % interest rate with no PMI. I have been repeatedly lied to by Academy.
Product: Debt collection

I wrote a validation letter to this company to validate that the debt is rightfully belonging to me. 
I have not received anything validating that this debt is correctly mines. I have tried to dispute and I can not dispute.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 tracking these transactions was unfeasible. The CFBS '' 's findings indicate that Zelle has not only neglected to protect consumers from exploiting the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

Misleading Advertisement offering 0 % apr for 15 months on purchases. Sent an identical card that charges 25.74 % on purchases
Product: Debt collection

They continue to call and send fraudulent notice. I have no legal binding contract with this company. They assume the debt is valid when i sent them 3 notice that debt is not valid. They are harassing me constantly and ignoring it Im my request. They stole and bought my identity from another company that is fraudulent.XXXX XXXX sold my identity and private information to ic system. XXXX XXXX is in violation of the constitutional laws and my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Transunion report it shows that I have two mortgages. I have one Mortgage with XXXX XXXX ( XXXX ) who services the loan. XXXX was the originator of the loan. I've called XXXX and they said it should only show one mortgage. But it shows two mortgages with a total of {$560000.00} balance. I have one mortgage with a balance of {$230000.00}. I can't get my home refinance because of this mistake. Need it updated ASAP!! 

Also on my Transunion, I had a personal loan with XXXX XXXX that I paid off in XX/XX/2020. XXXX  and XXXX  are reporting the correct information as being closed XXXX balance. Transunion hasn't updated there report since XXXX and it's now XXXX. They are showing a {$3500.00} balance. Please update ASAP!! 

XXXX  is not reporting my mortgage and my FICO score is hurting because of non reporting of mortgage. XXXX XXXX said that they send there updates to all 3 bureaus. XXXX  needs to update my report ASAP!!
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX i called the debt collection company and paid the total in full. Payment was a total of {$130.00} with company NCC Business Services. I was told the account would be removed/deleted my credit report wth the 3 major credit bureaus. I received a phone call on XX/XX/XXXX requesting the payment of {$130.00} again on an account that has already been paid in full.