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

Requested Credit/Refund : {$220.00} Transaction date : XX/XX/XXXX Reason : Overcharging/Unauthorized/Poor quality Dear Sir or Madam : I am appealing a rejected dispute on my card. CareCredit conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I did not authorized the type of XXXX they billed. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead I received a rude response from the Merchant  Manager. Immediately, I faxed my dispute to CareCredit but it went ignored. I know Synchrony received the dispute recently mailed regarding this transaction. From mentioned dispute.. all I got was a card replacement. Missing the requested refund for the actual disputed amount. Thus, now I do not even have access to my previous statements since XX/XX/XXXX.
Explaining my dispute : During my 1st consultation visit with the Merchant I provided the Dr. and staff a copy of lab results from XXXX recently performed by my pets primary veterinarian. I clearly specified to them not to perform the exact test. My relative, who accompanied me also reinstated this. Shes a witness about this being mentioned. They also didnt actually hand me the estimate instead they just spoke about what is being done and there was a separate piece of paper behind it. 

However, the results of the XXXX they took was provided after 2 weeks & not at the moment. Which is why I did not know instantly that they still went ahead & billed me despite of what we agreed on. they could have it ready instantly as its a hospital fully equipped with an ER laboratory. So theres a high probability they did it this way to charge me for something I disapproved.
Product: Mortgage

Pentagon Federal Credit Union forced us to pay into an Escrow account when signing on to our home mortgage, making the bank responsible for paying our property taxes and insurance. Both in XXXX, XXXX and XX/XX/XXXX, our lender has not paid our property tax bills, forcing us to pay while still having to contribute to the Escrow account. Pentagon Federal Credit Union has been unresponsive to our requests to waive escrow given the two notices of error.
Product: Credit card or prepaid card

I applied for a Best Buy credit card in the middle of the week of XXXX and I was interested in the card and I was told that I have to go to Best Buy store with a picture ID and a credit card that I had open for least a year and first I wasn't approved and now again I was told I have to go back to the store because there was a error on customer service end ... .so I went to Best Buy and I was approved with a credit limit of XXXX and within a day my card was blocked but I never use it and I never received it ... and I was told that I have to wait for a letter in the mail.. but after 7 days I still haven't gotten the letter and I explain to the fraud rep that I never used the card or gotten it in the mail and she told I have to wait for a letter this is a joke I went the store and verify myself and this is not right at all and I do wish to have this account closed and remove off my credit report I wasted my gas money to go to Best Buy and this is not cool at all
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, GM FINANCIAL, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, GM FINANCIAL, and XXXX XXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

Loan was paid within XXXX days. Company is affecting my credit by reporting me XXXX days late. I want company to fix credit reporting.
Product: Credit reporting or other personal consumer reports

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 DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 generally, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX car loan is showing late payments. I have been attempting to have the late payments removed by disputing every month since XX/XX/XXXX. I've disputed between the months of XX/XX/XXXX - XX/XX/XXXX. Each time the dispute is initiated - XXXX reports updated information to XXXX, XXXX  and Equifax changing the level of delinquency and in which months the payments supposedly happened. The Fair Credit Report Act explains that since the information is inconsistent it must be removed and not updated. I attached the latest example of how XXXX  is reporting different late payments to Equifax and XXXX. Please help me to have all late payments removed from my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX Credit Card. This account is not 30 days past due. I made a payment on XX/XX/XXXX. This account needs to be updated to reflect that a payment was received within 30 days of the XX/XX/XXXX payment and the status is current. Attached is a screenshot of my online account, which shows my payment in XX/XX/XXXX. 

XXXX XXXXXXXX XXXX XXXX XXXX Credit Card. I received dispute results for my dispute regarding this account. Trans Union originally reported this account as past due for XX/XX/XXXX. I provided proof that I made my payment within 30 days of the due date for the XX/XX/XXXX payment. Trans Unions dispute results changed the account from late to unknown in XX/XX/XXXX and updated the payment status to XXXX as of XX/XX/XXXX. On XX/XX/XXXX, I made my payment for the XX/XX/XXXX payment, which was due on XX/XX/XXXX. My next payment is due on XX/XX/XXXX. I pulled my credit report on XX/XX/XXXX and Trans Union is reporting the account status as 30 days late. The account is not 30 days past due and status should be reported as current. Attached is a screenshot of my online account, which shows my payment in XX/XX/XXXX.
Product: Mortgage

Hello, I lost my job with XXXX. I applied for XXXX and my past due balance was approximately {$69000.00}. In order to qualify, my past due had to be under {$60000.00}. I called Shellpoint Mortgage XXXX and spoke to them and obtained their wiring instructions to send them money to get the balance under XXXX XXXXXXXX. I borrowed funds in the amount of {$10000.00}. Before sending the money, I confirmed with Shellpoint that if I did so, I would receive either a Reinstatement Letter and/or my next mortgage statement would reflect under XXXX XXXXXXXX. I was confirmed by XXXX different people that this would be provided. I had the money sent and then I received my statement and it showed approximately {$62000.00}. When logging onto Shellpoint mortgage it said Past Due Balance {$59000.00} but XXXX could not take that, they could only take the Reinstatement Letter and/or the Mortgage Statement. I called Shellpoint Mortgage to ask what happened and why, as promised, my Statement showed the higher amount. I was told that they filed with the attorneys for Foreclosure and that was their fees. I asked them if I could send them {$2500.00} and they would give me the Reinstatement Letter and I was told that they would accept XXXX funds from me and this was too bad. I feel like I was stolen from. I borrowed that {$10000.00} with the CLEAR intent that I would receive the Reinstatement Letter or Mortgage Statement showing under XXXX XXXX. I was approved for XXXX pending this letter. Now, month after month they have been adding the past due on ( which I understand ). This was to save my family home. What they did was wrong. I did everything I was supposed to do to save my home. Now I have been declined by XXXX to help because of this. Please help.
Product: Debt collection

Was contacted by a collection agency trying to collect a false debt. The amounts are false/fraudulent trying to be collected from a company that I never signed a contract with and that I was not involved with. The charges are fraud/false and the collection agency would not provide anything or any contracts with my signature. I do not have a contract nor do I own the property they are saying the work was done on. The company trying to claim the debt has bankrupted and there has been lawsuit after lawsuit against them for fraud and a warrant out for the owners arrest.
Product: Mortgage

my home is not in flood zone, it is in " x '' zone, my mortgage servicing company is keep taking expansive flood insurance, and adding premium on my monthly mortgage payment, and i can not pay extra money on my monthly payment, and they are keep telling me i am not paying enough to cover the flood insurance, which i do not need, i also provided letter From FEMA for LOMAR letter, they fix in XX/XX/XXXX, and now they started charge in again in XX/XX/XXXX, i have been working with this service for last 12 Months and problem is not resolve, i have complaint on XXXX, and still no fix, please help me soon before i loose my home
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed several inquiries that I did not recognize and I will list them below for you XXXX XXXX XXXX XXXX Bank ) XXXX XXXX ( Bank ) XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/202XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in XXXX two times as XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the XXXX in XX/XX/XXXX I went to XXXX XXXX bank to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the XXXX XXXX until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/Equifax/XXXX and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the XXXX. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the XXXX. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to XXXX that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report :
Product: Payday loan, title loan, or personal loan

I received an email on XX/XX/2022 that XXXX would be transferring my account to a company called SST. I was unable to log in to their website, and was also already charged a XXXX late fee. I had autopay on that did not transfer, and I also am not able to add a bank account to start making payments through the new servicer. I also am unable to see my loan vs. savings balance, and I am nervous that my savings balance will not be honored by the new company.
Product: Debt collection

On XX/XX/2021 I received a letter from XXXX and XXXX counselors at law indicating that they were attempting to collect a debt. I sent them a response to dispute the debt and requested information to validate the debt. They failed to provide me with pertinent information and the information is false and misleading. As it is my understanding that an Attorney can not serve in the capacity of a debt collector. There is no evidence of signature or a copy of my identification proving that it was in fact me that initiated this loan. There is no ledger of the account and general ledger statement showing the full accounting of the alleged obligation they are attempting to collect from me, signed and sworn by the person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity. There is also no signature wet ink or electronic signature on the Disclosure and consent to electronic receipt of loan disclosures and electronic contracting e-sign Consent or the credit profile authorization One of the documents gives the principal amount at charge off. Which indicates that this loan has been charged off. However, this statement and several others do not have any identifying information connecting me to such obligation. 
Now I am receiving solicitations from attorneys indicating they would like to represent me in the lawsuit that was filed against me by XXXXUpgrade Inc . 
This is causing me undue stress and sleepless nights!
Product: Debt collection

After reviewing my credit profile on XXXX I identified a discrepancy with account listed under WAKEFIELD AND ASSOCIATE and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX my spouse and I purchased a sectional couch for the amount of {$1100.00} with XXXX XXXX XXXX XXXX through the financing company called Acima. A woman representative from XXXX XXXX, who assisted our purchase required us to make a cash deposit to initiate the purchase. The cash deposit we put down was {$300.00} and the amount was never reported to the credit agency ( Acima ). Once I realized this, I requested to close the account because the costs were too expensive and I no longer wanted to uphold the responsibilities of the contract. I also recently in XX/XX/XXXX, reached out to XXXX XXXX XXXX XXXX to request my records of purchase and they did not respond and they also blocked my number. A representative from the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX has also reached out on my behalf on XXXX XXXX, XXXX and to no avail, not response has been given. The representative that has been assisting my complaint is XXXX XXXXXXXX and she informed me that the store has several similar complaints and that there is a possibility that the store is under investigation with the XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was opened in XX/XX/2016with XXXX ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with Equifax and XXXX XXXX and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make Equifax and XXXX XXXX adhere to the federal law.
Product: Payday loan, title loan, or personal loan

They deceived me with the loan and the illegal apr the intrest rate is over 600 % i borrowed XXXX dollars and if i follow the payment agreement i will pay over XXXX $ this is illegal they think because they are sovereign that federal laws do not apply to them this is false im gon na revoke authorization of ach transfers from my bank account and debit cards and if they still debit my account i am going to take them to federal court
Product: Credit card or prepaid card

I XXXX XXXX a consumer sent a good will letter to said company Comenity Bank XXXX XXXX ) asking for a removal of late fee that happen XX/XX/XXXX, XX/XX/XXXX and XXXX and XX/XX/XXXX during the pandemic. These negative reporting has caused me a low credit rating as well as not enabling me to create credit for household purposes. I have been with Comenity Bank since XX/XX/XXXX and have worked diligently to stay ahead of all payments. This comapny never sent me anything in writing warning me that they were going to add these negative remarks on my credit UNDER 15USC 1666a correction of billing Comenity Bank never sent me any lettters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after Credit Bureau Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
1. The wrong amount is being reported XXXX XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. Mistaken Identity XXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this account from my credit report immediately!
Product: Money transfer, virtual currency, or money service

I got an email saying i qualified for a job. That job was to be an asset manager that would handle bitcoin currency and so I went for it. The company is XXXX XXXX everything seemed legit I fell for it and took his word for everything. I gave him my bank account and I did transactions in my account where he would wire me money and so forth. After some time the person stopped replying then the bank is charging me on the transactions. I really need help i was scammed the bank already took XXXX and that leaves me with XXXX. I have proof of everything i just want this debt clear.
Product: Mortgage

Under the Homeowners Protection Act, my mortgage holder is required to end PMI insurance once my principal balance falls below 78 % of the original value of the property. Fifth-Third Bank is my mortgage holder. 

I reached the 78 % number more than 3 years ago ( I will do further research to determine a more precise date ) but Fifth-Third insists I have to request PMI be ended. By law, that is true at 80 % of principal, but at 78 % I am not required to take any action at all. I have documents sent to me by Fifth-Third that say, " PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property. '' I can provide this documentation. 

My mortgage loan has been set for auto-pay since its inception and I have never had a late payment or missed payment. My loan has been in good standing at all times since its inception. 

The paper statements have hidden the existence of the PMI payment within the bucket of escrow items. Whether that is intentional or not I can not say, but it is at the very least suspect. I discovered the PMI payments in the online portal, where it is itemized. Upon review, the PMI is also documented in my form 1098 where it lists an annual cost of {$480.00} per year. I believe I am owed more than {$1400.00} in illegally collected PMI payments by Fifth-Third Bank. 

I have screen shots of a conversation I had with an agent of Fifth-Third as well as the person who took over the chat when I requested escalation. Those screen shots ( dated today XX/XX/2023 ) show the bank was made aware of the law, the timetable of the issue and their own documentation that matches federal law. They were unwilling to take any action unless I made a written request. This is in violation of the Homeowners Protection Act.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX saying that I had a hard inquiry from Capital One ( bank ) on XX/XX/2025. I checked my XXXX XXXX app which also showed a hard inquiry from Capital One on my XXXX and XXXX reports on XX/XX/2025. I called Capital One and spoke with a representative. I only gave her my name ( she did not ask for me to spell it to make sure it was correct ) and phone number. When I told her that I did not have an account with them but informed her that I had a hard inquiry from them on my credit reports that was not authorized by me, she said that they did not have an account in my name and that I needed to call the credit bureau to dispute it. I then called XXXX who told me that because the hard inquiry was less than a year ago, I had to dispute it on the CFPB website. I took screenshots of the messages on my XXXX and XXXX XXXX apps verifying that I had unauthorized hard inquiries on all three credit reports from Capital One on XX/XX/2025.