23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2025. I contacted the customer service team about removing late fees from my credit card account. So it was done but in the process of so, she attempted to submit a payment in the Amount of XXXX. Which the system rejected because I had already submitted a payment for XXXX to be scheduled for the XXXX. Of XXXX. So the representative says you already have a payment scheduled so the system rejected the payment that she tried to make. But unfortunately the payment was submitted and went through my bank account and got returned because of insufficient funds. I have XXXX bank accounts on file and she submitted the payment with the wrong bank account. Which I explained to the representative that I dont use that bank account anymore. The payment that I submitted for the XXXX is my new bank account. She made the mistake of sending the payment to the wrong bank account. Now they said that the returned payment was my fault and they have closed my account.. So the payment that I scheduled and submitted it was paid successfully. But the mistake was on the representative that submitted the payment and they fail to take accountability for they actions and putting me and my bank at fault. Thats not fair in my opinion. They are covering up their actions from their people who are responsible Yes I admit that I have had XXXX return payments back in XXXX on my account do to me being out of between jobs.
Product: Debt collection

I decided to try XXXX services for my wife and I so I purchased phones for both of us. After a day or two of trial we felt unsatisfied so we headed back to the store and we returned all items. We got charged with restocking fees and taxes. Later on I got a bill in the mail in which I was being charged {$1200.00} for the returned items. After several attempts of arguing for about XXXX months about whether I owed XXXX or not I was dismissed of such charges, but a month after I was charged by a collecting company called ERC for {$61.00}. I asked them to explain such charges weather if they were fees or taxes and they we unable to disclose information. Therefore, I asked them to send me a bill in the mail with details about the charges, as well as a dispute package and they told me they would send me a bill. About the dispute part, they said that I needed to call XXXX to discuss the charges with them but XXXX said that I had to discuss this with the collecting company. I never received a detailed statement neither a chanse to defend my self about such charges, I checked my credit score and found a red flag in it because of this. 

I am now hoping you may help me with this case. 

Thanks :
Product: Mortgage

Due to the pandemic, I lost my job back in XX/XX/2021. I made my payments on time until the beginning of XX/XX/2021. XXXX Mortgage stated that per the law, I could only get 90 days of forbearance and that they would put me on a payment plan to repay the money after the 90 days but the amount would be doubled so that I wouldn't fall behind equating to almost $ XXXX from XX/XX/2021. But I didn't realize that would come with everyday of being called and harrased on the phone, whether I made the payments or not. 

For example, I made the XXXX payment back in XX/XX/2021 on time. Then the following day until the next month, I would get multiple representatives calling me and leaving messages about my payment being due for the next month or else I would be in foreclosure. Everyday for 3 months, I got called at work and on my cell phone. They would apologize then say that's its protocol for them to do so even if I already made a payment. And it was back to back calls even when the money deposited to their company but they wanted to " make sure '' I was going to pay it on time and sometimes would ask me if I wanted to pay it early. No one has XXXX  lying around everyday to give. It gave me anxiety as they kept telling me that if I didn't comply, my house would be in foreclosure even though I was making the payments on time. Fast foward to today. I get calls if I don't make my Mortgage payments between the XXXX and XXXX of every month. I work for the government and get paid after the XXXX of each month and although I ready the contract, it says you have until the XXXX to pay your mortgage but XXXX says that it isn't true ... that all mortgages have to pay by the XXXX of each month. Now today, XX/XX/XXXX, I just found out that they changed my FIXED mortgage monthly payment and made it higher. Can they do that??
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to investigate and correct the following inaccurate items from my credit report issued by credit reporting agencies. The items must be removed to show my true credit history. I make this request pursuant to 15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As Required by the act i demand you re-verify these items and validate these are my debts and that the inaccurate items will be deleted from my credit report. The attached documents from my credit report prove inaccuracies with payment dates and payment history on closed accounts that are also showing up as a collection account on my profile. Can these accounts please be validated so i can fully understand these tradelines. 

XXXX XXXX XXXX XXXX {$6100.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$9800.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$1600.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$6100.00} opened XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$470.00} opened XX/XX/XXXX XXXX XXXX XXXX XXXX {$10.00} opened XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address the recent notification regarding the verification of my account as " late. '' According to 15 U.S. Code 1666b - Timing of Payments, a creditor can not deem a payment on a credit card account under an open-end consumer credit plan as late unless they have implemented reasonable procedures to ensure that each periodic statement, containing the information required by section 1637 ( b ), is mailed or delivered to the consumer no later than 21 days prior to the payment due date.

Therefore, I request the tracking number of the periodic statement that was mailed or delivered 21 days before my payment due date, along with all the information mandated by section 1637 ( b ).

If you can not provide this information, I must insist that the late payment notation be removed from my records.

Please be aware that this correspondence may be used in any potential action against your company for violations of consumer law, specifically referencing the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681a, 15 USC 1681s-2, 15 USC 1681n , and the Timing of Payments under 15 USC 1666b .

I formally request the deletion of all transactions marked as late on my consumer reports. You are obligated under 15 USC 1681e ( b ) to report accurate information.

It is important to note that the FCRA does not require a consumer to contact any creditor or furnishers of information to have inaccuracies or incompleteness removed from their file. The burden of proof rests with you, the consumer reporting agency, to provide accurate information as stipulated under 15 USC 1681e ( b ).

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am contacting you today because I have a collection on my account for a company called XXXXXXXX XXXX XXXX account number XXXX I have been going back and forth for this company for a while now. Today when I got in contact with them I was told that they no longer hold the collection to my account. They stated that they sent it to a company called XXXX XXXX  XXXX XXXX. Then when I tried to get in contact with them I got hung up on. Then when i called back I got a voicemail stating it can take a few days to hear back. I just want to be done with this already. please help investigate.
Product: Checking or savings account

On XX/XX/2022 I deposited {$1000.00} from my XXXX Brokerage Account into my Chase Checking account. I use my Chase checking account to pay normal monthly bills an expenses and generally have a portion of my pay direct deposited. This month, because we moved and the vendors we used for moving and home organizing had to be paid by debit card and XXXX, I spent more from this account than usual. To remedy that, I deposited {$1000.00} from my money market account held with XXXX. I did this through mobile deposit which Chase accepted. They then proceeded to place a hold on the funds until XX/XX/2022 for the stated reason that XXXX does not honor checks in their experience. This was false. In fact, by XXXX on XX/XX/2022 ( the next business day ) the check was cleared. Chase is still refusing to release the hold. I have contacted customer service twice and they are denying they have received the funds ( that is false since I know for a fact if the money has already cleared my XXXX account, the federal reserve has already released the money to Chase ).
Product: Credit reporting or other personal consumer reports

I am deeply frustrated and upset after reviewing my credit report and discovering several fraudulent accounts resulting from identity theft. These include accounts like XXXX XXXX, which I did not authorize. These accounts were added to my credit report without my knowledge or permission, causing significant harm to my credit. 

As a victim of the XXXX data breach, my personal information was compromised, allowing these accounts to be created fraudulently. Under 15 U.S. Code 6802, financial institutions are required to safeguard my personal information, and under 15 U.S. Code 6803, they must notify me of their policies to protect my data clearly and transparently. These safeguards were clearly not followed, leaving my information exposed and misused. 

Additionally, per 15 U.S. Code 1681c-2, I have the right to block accounts related to identity theft from my credit report. These accounts must be removed or blocked within four days of receiving this complaint, as mandated by law.

These fraudulent accounts are severely damaging my credit report, preventing me from securing a home for my family, and adding unnecessary emotional and financial stress. I am demanding that you : Investigate these fraudulent accounts thoroughly.

Remove or block these accounts from my credit report. 
Provide written confirmation of the actions taken to resolve this matter. 
It is unacceptable that these fraudulent accounts continue to impact my financial goals due to the failure to protect my personal data during the XXXX breach. This matter requires your immediate attention and resolution to prevent further harm to my financial future. 

Thank you for addressing this matter urgently. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Sears ; Credit Bureaus ... ..I 've disputed this account before with both the creditor and credit agencies ( XXXX XXXX  and XXXX  XXXX and it's impossible that this charge off account was ever investigated because the account status was never updated and there are 3 different dates of last active, dates of last payments, inconsistent payment history, 3 different dates of open, and inconsistent high balance and 3 different account numbers and name, etc. Please DELETE this account for Inaccuracy because there are different dates of last activities : ( Date Last Active : XXXX ; XXXX  : XX/XX/XXXX & XXXX : XX/XX/XXXX XXXX. You cant report different dates and years of activities like this! Its imperative that this be accurate because it determines when the account naturally falls off. And its also re-aging the account prior to me disputing it. This is a violation. Please DELETE immediately from my credit report. 

Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I lost my debit card and had to cancel and order another card. I contacted Solo Funds and let them know that once I received my new card I would add the card to my portal and repay the loan. I remained in contact with them when they reached out to me. When the card arrived I attempted to add the card to my portal but I kept getting error messages. I called Solo left several voicemails no one returned my calls. I sent several emails and no one responded for several days. When they finally emailed me back they sent me a XXXX invoice asking me to to repay. I told them I would not pay through XXXX because I have had fraudulent charges from them in the past. I asked them could XXXX setup a payment plan and no one responded. I sent them a email three or four times with no response. I reviewed several complaints from other borrowers on the XXXX website stating that they had issue when they attempted to add a new debit card. I am not trying to get out of paying this but I need to make payments until it is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries appearing on credit report. 

XXXXXXXX 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

Please read attached document. I've endured adverse action and was discriminated against pursuant to Equal Credit Opportunity Act by this financial institution. This financial institution also committed unauthorized use of my credit card ( SSN ) pursuant to Truth-in-Lending Act.
Product: Mortgage

On XX/XX/XXXX, I received a notice from XXXX XXXX XXXX Tax Department that I was delinquent on my property tax and my home would go to tax sale on XX/XX/XXXX if not paid. I immediately notified the mortgage company, both through emails and phone calls, with limited response. It took until XX/XX/XXXX ( XXXX and XXXX were weekend days, so this was the last possible day ) for them to pay the tax bill, and that was only due to my repeated contact attempts. 

It told to me in writing multiple times that I would not be responsible for the {$490.00} late penalty paid to XXXX XXXX for the late tax payment, as I myself never had a late payment to the mortgage company. However, they passed my mortgage on to XXXX right around this time, and requested the full reimbursement for the tax payment from XXXX - including the late penalty - which was paid from my escrow. 

The reason I am realizing this now is because as the result of an escrow analysis, I now have a mortgage that is {$1000.00} more a month than it was previously for the next year. This is not because of an increase in home insurance or property tax, this is because of a wrong miscalculation by the mortgage company. 

Details : Loan number XXXX, at Dovenmuehle Mortgage ( this mortgage was passed on to XXXX in XX/XX/2021 ).
Product: Credit reporting or other personal consumer reports

I have noticed two credit card accounts on my credit reports with the following companies : XXXX XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX  XXXX Those accounts were not opened by me and are a result of identity theft.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I JUST RECEIVED COPY OF MY CREDIT REPORT AND FOUND THIS FRAUD CHARGE CARD. 

XXXX XXXX XXXX XXXX XXXX WAS OPENED BY FRAUD WHO STOLE MY IDENTITY AND MY WALLET. 

THIS XXXX XXXX  FRAUD ACCOUNT XXXX SHALL DELETE FROM MY CREDIT REPORT BY LAW. 

THIS FRAUD ACCOUNT BALANCE IS {$1600.00} AND I AM NOT RESPONSIBLE FOR SOMETHING I NEVER OPENED. 

DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Debt collection

9 years after the supposed incident occurred, this is the first time Ive heard of this collection/ violation. And its under my mothers name ( XXXX XXXX ) who has lived in XXXX, XXXX for 42 years, not my name, which I was the owner of the vehicle in question. I also never got a ticket for the violation claimed, and do not recall this incident whatsoever. Now they are saying I owe {$480.00} 9 years later, when I dont even recall getting a ticket in the first place.. Under the CA Statute of Limitations, I believe this is not allowable or legal. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried several ways over several days and after numerous phone calls to access my account with Equifax to unfreeze my account in order to apply for a loan. I was eventually able to do so and asked to have my account fixed so that I could access it myself online. I was assured by more than one person that the account was now accessible and I would be able to freeze/unfreeze as I needed to. Unfortunately, they are wrong and I can not access it without calling and going through an intrusive interrogation each and every time. Right now, I can not get my account frozen to protect my credit. Equifax is extremely frustrating. Further, one of the ways I was asked to identify myself was to use a link they sent on my phone to photo both sides of my driver 's license and take a selfie to send them, which I find truly outrageous - particularly when it is clear my call is being handled by a call center out of the USA. It seems the company has learned nothing from their massive data breach situation. I've seen online that this is a fairly common complaint from others. This needs investigation and resolution.
Product: Checking or savings account

On XX/XX/year> I contacted chime to report 9 unauthorized transactions to my checking account for a total of {$12000.00}. An investigation was initiated with Claim ID XXXX. After speaking with the customer service representative, I logged into my account to review the claim details and I saw that the customer service representative made 2 mistakes when submitting my claim. The representative mistakenly categorized the claim as paid for goods/services instead of unauthorized transaction. The representative also mistakenly included a transaction from an unrelated merchant for {$130.00} that I did not instruct him to include in the claim. Once I saw the mistakes made by the customer service representative, I called customer service again and requested that the mistakes be fixed. Chime phone calls are recorded, my conversation with the customer service representative can easily be verified. Chime recategorized my dispute and removed the {$130.00} from my claim. As Chime claimed to be investigating my disputes, I submitted screenshots my numerous attempts to resolve this directly with the merchant. I also submitted my account history showing that no such transactions were on my profile. The merchant showed no record of these charges on their end as well. Chime denied my claim, leaving me no other option but to file a rebuttal and request that Chime send me the documentation used in their determination. Chime sent me a BLANK attachment with no proof or evidence that substantiated their denial. I received an email that Chime was closing my account and on XX/XX/XXXX, my account was closed. This is clearly targeting and discrimination. Please help.