23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On or about XX/XX/2021, I made a final payment of {$450.00} to Wells Fargo Home Mortgage ( XXXX ) on my loan. This payment was returned by XXXX indicating they do not accept partial payments and that I had to include the satisfaction of mortgage fees with my payment. 

I am not disputing that I need to pay the satisfaction of mortgage fees, but have been letting XXXX know the following for the past year ; 1 ) No where in my mortgage documents does it say that XXXX will not accept a payment without the satisfaction fees and XXXX has not shown me in writing where this policy is stated. 
2 ) I have also informed XXXX I agree that I must pay the satisfaction fees, however, here in XXXX XXXX, NY a New York court ( XXXX XXXX XXXX XXXX ) has declared certain fees illegal and XXXX XXXX  has appealed this decision. I do not wish to pay what as of now are illegal satisfaction fees. 

The failure of XXXX to apply my final payment to my mortgage is causing me to incur additional interest fees and has had a serious detrimental effect on my credit rating. 

This has been ongoing for over one year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my information on my credit report and your not doing a good job protecting my personal info so this never happens
Product: Mortgage

XX/XX/2016 someone proclaiming to be an attorney representing a firm XXXX XXXX with assisting me with a modification of of mortgage loan with Pennymac mortgage company. Charged me a monthly fee of {$800.00} for 2yrs then sold my mortgage to XXXX XXXX XXXX. Which during all this time my mortgage became chronically delinquent. Forced me into foreclosure. Now i have no home and the wrote me letter stating that they could no longer assist me and that I need to work my mortgage servicer on my own. I requiring restitution of my funds from company i sighned a contract, or the person representing the company,
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I hope this letter finds you well. I am writing to respectfully request the removal of a fraudulent credit inquiry that appears on my TransUnion credit report. 
This inquiry was not authorized by me and seems to be a result of identity theft. 
As per the Fair Credit Reporting Act ( FCRA ) Section 605B, I kindly ask you block this inquiry from my credit file. 

Details of the Disputed Inquiry : Date of Inquiry and Creditor Name : XXXX XX/XX/year> 2025
Product: Credit card or prepaid card

Somebody opened a fraudulent account in my name through discover bank on XX/XX/22.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written, called, and submitted evidence to ALL 3 credit bureaus stating the charge off accounts and inquiries listed on my credit report and of fraud. They have not removed these items even after verbally agreeing to remove them. They are consistently lying to me and I am fed up. I have been a victim of TRUE NAME IDENTITY THEFT AND THIS IS A NIGHTMARE! PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an account that is not mine on my credit report. This is a mortgage account with XXXX XXXX XXXX account number XXXX This account does not belong to me and I am not a co-owner of the account as reported. This mortgage account belongs to XXXX XXXX XXXX and that is where it needs to be reported. 

XXXX XXXX and XXXX already fixed their records and removed this account from my credit reports several months ago. Equifax however keeps reporting it even though it is not updating and shows being open for 8 months and only 1 payment. I attached screenshots. 

I disputed this account with Equifax before and it came back as verfied but that is impossible since I don not own this account and it belongs to XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Goldman Sachs is saying I closed account. I did not close this account. They sold acct to a new company. I want this removed. It has caused my score to go down.
Product: Credit card or prepaid card

I am writing this letter to dispute ( 2 ) TWO unauthorized charges in the amount of {$4200.00} on my account. These two charges that appear twice on my statement begin XX/XX/XXXX from a merchant by the name of XXXX Washington DC and extend to XX/XX/XXXX from the same merchant totaling {$8400.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Capital One customer told me that I can write a dispute letter. 
I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement. 

Enclosed is a copy of the disputed charges supporting my position. Please correct the billing error as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, Please investigate these matters and remove the disputed items as soon as possible. 


Inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 2021
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are unauthorized and were established due to a data breach that compromised my personal information. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request their immediate removal 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXXXXXX nh came and I filled out info to see if I qualified to co-sign for an auto loan for my daughter. Was never notified of contract. I would have never agreed to Contract if I had know terms of said contract. They returned and said they needed additional info. They deceived me and never explained terms of contract.
Product: Checking or savings account

Used my debit card to make several purchases on XXXX. This made my account negative by XXXX. Went and deposited XXXX on the same day which brought my account positive XXXX. On XXXX I checked my account and it was negative XXXX with a XXXX nsf fee. Regions apparently decided to take the debits out before adding the deposit. This is wrong and deceptive. Its the same reason you guys fined them millions of dollars several years ago. Regions keeps doing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was affected in the XXXX 2017 Equifax data breach. My information about my entire adult credit history with stolen. It is ridiculous in this day and age that these attacks are allowed to be perpetrated against an organisation so large in the United States. It is absolutely unacceptable that an organization basically run and condoned by the federal government has allowed such an attack to happen against American citizens. 

Americans do not have a choice in this matter, there is no third-party service that we can go through for reporting our credit and storing our information. This has caused basically the entire adult population of the United States to be at risk for identity theft, and has caused undue stress trying to jump through hoops to prevent issues in the future with stolen identities. 

On top of this issue already being severe, the three credit reporting agencies are trying to charge people to place a credit freeze and protect their information that they allowed to be breached. 

This situation is unacceptable and the United States government needs to step in and protect all of our identities and information in this day and age of Technology. The companies responsible need to be punished severely, and the people affected need to be reimbursed appropriately for their time, effort, and damages. 

I am in the process of freezing my credit reports with all three bureaus, trying to place an extended fraud alert on my credit, and also trying to file a police report for the identity theft. Hopefully if these are successful, I will not have to worry any further. But if not I expect to be reimbursed by either the company or the government for all damages I have incurred personally, financially, and otherwise. I expect to not be responsible for any fraudulent activity using my credit, and be rewarded damages for my financial losses and personal losses such as time, expenses Etc ... 

This is absolutely not okay and future legislation, rules, and regulations need to be set in place along with very stringent security standards for our information.
Product: Mortgage

The mortgage company is not applying my payments to bring my mortgage current. They are manipulating my payments to charge me late fees. I contacted them on XXXX/XXXX/XXXX, and they said they would correct it. They did n't they just further manipulated the numbers to still have me paying late fees. They are dishonest.
Product: Credit card or prepaid card

under my credit report it shows negative as XXXX I PAYED XXXX OFF AND IT SHOWS A XXXX BALANCE UNDER MY REPORT BUT IT IS POTENTIALLY NEGATIVE BECAUSE IT SHOWS 2 LATE PAYMENTS BUT HAS A XXXX BALANCE. I HAVE CONTACTED XXXX AND THEY SENT PAPERS IN SHOWING ME OWING A XXXX BALANCE BUT IT DID NOT HELP. THEY HAVE ME CHARGED WHEN ITS SHOWING PAYED OFF AS AGREED. I CONTACTED THEM AND THEY DIDN'T FIX THE ISSUE THEY JUST SAID THAT IT NEEDED TO BE DISCUSSED AND THEY DID NOT FIX THE ISSUE THAT IS AT HAND. IT HAS EXCEDDED THE AMOUNT OF TIME A CREDIT OR CHARGE CARD STAYS ONTO YOUR REPORT IT WAS OPENED IN XX/XX/2014 WHICH HAS EXCEDDED THE 7 YEAR CREDIT MARK FOR IT TO BE ONTO MY ACCOUNT. IT SHOULD HAVE BEEN REMOVED WHEN IT PASTED 7 YEARS ONTO MY REPORT. THEY WANT REMOVE IT NO MATTER WHAT HAPPENS
Product: Money transfer, virtual currency, or money service

I placed an order for an item through PayPal on XX/XX/XXXX - using pay in XXXX installments. 

The item arrived damaged and unusable. The seller refused to refund the money unless I paid for extremely expensive shipping back to XXXX. Which goes against their 14 day notification of return policy for damaged items. 

I filed a dispute claim with PayPal in XXXX and they refused to process the refund unless I returned the item- I was happy to do so, but refused to pay hundreds of dollars to ship a broken back to the seller. 

My dispute kept getting denied and I kept appealing it, as you can see from my screen shots. I was finally told by PayPal representative to file a chargeback claim with my XXXX XXXX 

Filed a claim with XXXX XXXX in XXXX and won the dispute. PayPal has been borderline harassing me with phone calls saying that I now have a Delinquent loan with them and it will go against my credit. 

Filed a complaint with FTC and XXXX, still no resolution from PayPal.
Product: Credit reporting or other personal consumer reports

There is an open account on my credit report that I have no knowledge of.. I would like for this to be removed from all credit bureaus and removed from my report as it is hindering me to move forward..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX should not be reporting to XXXX ; XXXX  and Transunion a collection/chargeoff of {$380.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The date of last activity on this account is 2013 and this account is well over ( 7 ) years old and therefore should not be reporting at all. This false reporting is seriously harming my credit score and this line item needs to be removed. It is violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Transunion & XXXX has constantly recycled accounts thats been passed statue of limitation or declined to remove accounts that should have been cleared. On several occasions Ive tried to clear items or have been declined. Accounts are being recycled and sold and bought by different companies and new dates are being put on items as if there current or new debts
Product: Credit reporting, credit repair services, or other personal consumer reports

My Account number with General Motors Financial is XXXX. My name is XXXX XXXX. GM Have been reporting my account to the credit Bureaus as late but actually my payments have not been late. In the year of XXXX of XXXX and XXXX of XXXX, I was given a deferment on those two months I paid a fee to have those payments put to the end of the payment book. The customer service representive informed me that a payment will not be due until XXXX of XXXX. She in formed me to pay before or on XXXX of each month if not would be reported late to the credit bureaus.. All of my payments have been paid before or on the XXXX of each month but still Gm is reporting account as late.I do not understand because this is what the customer rep told me.Due to the inaccurate reporting my credit is suffering bad.Thank you very much for your help to resolve this matter. The mix up occurred when I got the two payment defered I think or my payments are posted at a latter date. Thanks.
Product: Money transfer, virtual currency, or money service

American Express Serve Card Division STOLE $XXXX USD from Me on XXXX XXXX, 2017, at XXXX XXXX  E.S.T.  The transaction took place at XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX, Tel. XXXX XXXX.

Emails ( From: XXXX XXXX XXXX 
To: XXXX XXXX , XXXX
Cc: XXXX , XXXX 
Bcc: XXXX, XXXX XXXX XXXX , XXXX, XXXX , XXXX , XXXX , XXXX ) were sent to the American Express Company at XXXX XXXX, XXXX XXXX 2017 to which NO ANSWER was ever received.

Once again, AMERICAN EXPRESS stole $XXXX USD from Me.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 30-90 DAYS to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXXXXXX XXXX,  XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Checking or savings account

I scheduled a deposit from XXXX to my bank account. The deposit was supposed to be deposited on Thursday. It is now Saturday morning and I have yet to receive my deposit. According to an email I received, there is a minor technical difficulty with certain vendors and they are supposedly working to correct the issue. This is unacceptable as a minor issue should not delay a deposit for days. The issue shouldve been resolved if it was minor. Capital One should be honest with their consumers.
Product: Checking or savings account

I had some money stolen from my account on XX/XX/2XXXX XXXX XXXX XXXX  I file a disputed because I did not know the money was credited back to my account until cash app brought it to my attention and cash denied my dispute saying I authorized the transaction so I been requesting documents asking to show I authorize this transaction where cash app refuse to send me documents I had some information stolen from me that was in my phone pouch my cash app card my debit card my house key my driver license and also I have an email where my pin was change where somebody use my device to change my pin while I was sleeping over a friend house
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
This is the account that is inaccurate, XXXX XXXX Installment with account # XXXX opened on XX/XX/2021
Product: Bank account or service

Submitted account closure request XXXX, confirmation received, still waiting. 
Account XXXX. 
Tried calling them twice, just put in wait queue.
Product: Debt collection

I left an apartment complex and gave my 30 day notice but they refused to accept it because it was technically 29 days but their office was closed the previous 2 days??? Now i have a collection on my report for the rent plus a toy they found in the septic system that wasn't mine!! I've tried working it out with them but they refuse to remove the collection.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company calls and leaves a message without disclosing who they intended to contact and left only a return contact number and reference number. Upon calling back and providing the purported reference number, the XXXX representative advised no direct knowledge and then disconnected the line when I inquired about further information.I called back because it is unlawful for even legitimate collection agencies to continue calling a company or person and fail to provide specific information and acknowledge the purpose of their call. Upon calling back, again the representative ( another one ) suggested it was " Credit Control LLC '' and then blindly transferred me to another representative who after providing the reference number and telephone number now thrice that a " XXXX XXXX '' was the ONLY person familiar with the matter. Now that just sounds like a load of nonsense ... Completely unprofessional and unethical ... I told him since they could n't seem to read the federal and state regulations that govern the practices of these collection agencies WITH COMPREHENSION that I 'd inform CFPB and maybe you all can assist them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint on XX/XX/2023 to TransUnion about my consumer report and it has been more than 30 days. I have been asking TransUnion for quite some time now to provide proof that I am LEGALLY BOND TO PAY THESE ALLEGED DEBTS. They keep discriminating against me for whatever reason but by this company not doing what they are obligated to is causing me and my family financial harm and marital issues. 

PLEASE UNDERSTAND THAT THIS IS CAUSING ME TO not have my right of DUE PROCESS AND BY TRANSUNION DEPRIVING ME OF MY RIGHTS IS BASICALLY DEPRIVING OF LIFE
Product: Checking or savings account

I initiated wire transfer from my Chase savings account to a newly opened XXXX XXXX XXXX checking account on Friday evening around XXXX PT. I was informed that the wire transfer would be initiated by the next business day. 

I just received an email notification from Chase that my wire transfer was sent and complete on a Sunday. However, I don't see my funds in my XXXX  XXXX XXXX checking account. When I called and inquired for an explanation, they told me it takes XXXX business day to process, but was unsure of why it was initiated on Sunday. Now, my entire savings account of {$140000.00} is missing. It's neither in my Chase savings or XXXX  XXXX XXXX checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon taking a closer look at Consumer Reports I've realized that there are inaccuracies reporting that's damaging my credit worthiness and hindering my ability to be able to adequately provide for my family. XXXX XXXX XXXX account has been consolidated and been paid in full of a XXXX balance. However, it's also reporting that I have a 90-day late payment on multiple accounts with them which is inaccurate. I got the Loan in 2009 and has never made a late payment. My loans were also in forbearance the time frame that those inaccurate derogatory missed payment were furnished. I reached out to in reference to the matter and they mailed me a correspondence stating account was paid in full they have not record of payment history because the account was closed and paid off. I uploaded documents if you could please do what's fair and equitable to me as a consumer and reinvestigate, remove and or update the accounts in questions.
Product: Debt collection

On this XX/XX/2022 company opened a collection Account # {$15000.00} I have never signed any written document saying that i owe this debt to the collector. 
They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not given a written consent from my end. 

They have not verified that i owe this debt to this alleged company. 
Please have this removed from all three credit bureau. 


XXXX XXXX