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

On XX/XX/XXXX, I disputed a charge of {$70.00} from the XXXX XXXX with Discover, after a horrible dining experience. My fiance and I waited an hour for our food. The server did not come and check on us at all. We finally received it and the quality and temperature were horrible. Asked the manager to refund us and he refused, stating we already bit into the food. We only had a few bites! I clearly stated this was my reason for disputing, yet I receive a ridiculous letter from Discover stating that they find the charge to be valid based on the merchant 's documentation. So I looked at the documentation, and all it was was a bill and a receipt that my fiance signed! I never said we didn't authorize the charge!! We didn't want to but it was either pay the bill or go to jail. Was the reason for my dispute even read?? They completely disregarded what I said, and closed the investigation! They did tell me that if I want them to continue, to complete their attached form. But I look at the form, and it's clearly not meant for me -- Talking about proof of return and cancellation.. Seriously?? AGAIN -- I never said we didn't authorize the charge ... Barely have had any issues with Discover thus far, but the way they mishandled my dispute is absurd. Going to cancel my account with them if they don't take care of this the right way.
Product: Mortgage

I had a Covid forbearance with Select Portfolio Servicing that is coming to an end. They offered a loan modification that is with an even worser interest rate than what I should have been paying during the forbearance, as well as what I should be paying going forward. 

The forbearance started XX/XX/XXXX when my ARM interest rate was 5 %, but XX/XX/XXXX onwards my ARM interest rate decreased to 3.25 %. XX/XX/XXXX onwards my ARM interest rate adjusts to 2.5 %. However the modification the company has offered is to take the balloon payment owed over the forbearance period, from XX/XX/XXXX to XX/XX/XXXX, ( 11 months of which should have been at 3.25 % ) put it to the back of the loan, and have my interest rate starting XXXX of XXXX be at 5 % for the lifetime of the loan, i.e. TWICE the interest rate I should be paying based on my adjusted rate. I have never heard of a loan modification where the rates was INCREASED, much less doubled, when a modification is supposed to help the borrower. I have written them an email and spoken to two representatives but the supervisor even claims that " this is the BEST solution for YOU '' and that if I don't accept it the loan will go into default. I told her NO this is the best solution for the lender - they get to charge a higher interest rate for most of the entire amount of the forbearance ( 5 % instead of 3.25 % ) as well as going forward and I think this is unconscionable. But she still insisted that this is the best solution for me. I find it hard to understand how a doubling of my interest rate and increase of my monthly payment going forward for the lifetime of the loan, is in my best interest. It's almost like the company is trying to gouge more money out of me as I am in a position of having no choice but to accept their new and worser terms.
Product: Debt collection

XXXX XXXX  - Collection XX/XX/year> XXXX account. {$110.00} past due as of XX/XX/year>. 
XX/XX/year> {$110.00} XX/XX/year> XXXX  % {$110.00} {$110.00} 1 Month Individual I have never had an account with XXXX. 

Repeat I have never had an account with XXXX! 
I demand this fraudulent account be removed immediately!
Product: Credit reporting or other personal consumer reports

I am writing to address a serious issue regarding an account that your company charged off and reported to the credit bureaus. The account in question is as follows : Account Number : XXXX Under IRS guidelines, when a debt is charged off and considered canceled or forgiven, a Form XXXX ( Cancellation of Debt ) is typically issued to the debtor to report the cancellation as potential taxable income. To date, I have not received a Form XXXX for this charged-off account, which raises concerns about the legitimacy and completeness of your reporting. 
By failing to issue a XXXX, you have not complied with your obligations to notify me of any potential tax implications or the discharge of this debt. As such, the continued reporting of this account as a valid debt on my credit report is inaccurate and unjust. 
I respectfully request that you : XXXX. Remove this account from my credit report with all credit bureaus immediately. 
XXXX. Provide me with written confirmation of the removal. 
Failure to resolve this matter promptly may leave me no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursue legal remedies to address the inaccurate reporting. 
Thank you for your immediate attention to this matter. I expect a response within 30 days of receiving this letter. Please send any correspondence to the address listed above.
Product: Credit reporting or other personal consumer reports

Credit Consumer Agency such XXXX, XXXX and XXXX are Reporting false late payments. Ive never been late because I'm on a Forbearance program until XXXX XXXX. Ive notified All ( XXXX ) Agency with a Letter of Proof of from The Student Loan Agency and which clearly Shows ive never been late and My first repayment begins XX/XX/2025 Ive had to send a copy of the Letter to All 3 Agencies with Proof of Non late payment as was shown on my Reports. Please address this Inaccurate with a complete of investigation and please report the Accuracy which ive never been late. Thank you
Product: Money transfer, virtual currency, or money service

I had a computer company fix my computer and later realized that it was a hack. 
I reported ( 4  ) {$1000.00} fraud XXXX payments from my savings account. After 3 tries from my bank ( Fifth Third ), they will not refund my money. They say that it was an authorized transaction. They claim that I gave them authorization to send the XXXX Payments. I never knew what XXXX was and now realize that the hackers on my computer probably authorized the payments, I sincerely hope that you can help me on this situation. {$4000.00} is a lot of money when you are a retiree.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am a victim of identity theft. JPMCB is continuing to report a credit card account XXXX opened XXXX XXXX on my consumer reports! I completed the identity theft affidavit and forwarded all correspondence to the credit bureaus. The credit bureaus have not removed this account from my consumer reports. JPMCB is damaging my life because of the failure to remove this account, leaving me in mental distress and at financial disadvantage. I never had this card in my possession nor have I ever received any monetary value from the card.
Product: Bank account or service

I have a safety deposit box at US Bank. They take the yearly fee from my checking account ... .which I agreed to have them do. They send no reminder by email or regular mail so that if I forget I will be charged a daily overdraft charge until I receive a notice from them and can put money in the account. If they can generate a notice of an overdraft they must be able to generate a notice that a fee is coming up on X-day. 
I see this as only slightly more honest a way of doing business than opening accounts in customers ' names without their knowledge.as XXXX XXXX did. I have a busy life and do n't necessarily have a big note on my calendar ... or have an extra {$99.00} in my account
Product: Credit reporting or other personal consumer reports

I noticed incorrect payment history listed on my credit reports for Equifax, XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as 60 days late in XXXX XXXX  and 90 days late in both XXXX XXXX XXXX XXXX. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.
Product: Credit card

Credit card applications were submitted on XX/XX/year> to XXXX XXXX, XXXX, and CITI Bank without my knowledge, and all applications were declined. I called each company individually to report the fraud, called the XXXX Credit Bureau, and placed a temporary fraud alert on my account. In order to complete my identity theft claim with the credit bureau, I was asked to submit a claim to the government, which brought me to this website.
Product: Credit card

My wallet was stolen and someone used my identification to open a credit card and purchase a XXXX XXXX ticket. 

I have made reports to XXXX, the police department and identity theft.gov. 

I have copies of the reports.
Product: Credit reporting or other personal consumer reports

I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation. I request an immediate re-investigation of this item as its inaccuracies severely impact my credit score. Per the FCRA ( Public Law 91-506 ), Title VI, Section 611, Subsection 1-D, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation. 

Account name : XXXX Account # XXXX Account name : XXXX Account # XXXX Account name : XXXX XXXX XXXX Account # XXXX Account Name ; XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXX  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 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 months that are reported late 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  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: Credit card

I reviewed my account to find multiple {$41.00} late fees on my care credit account. I called the company to see what was going on. I was told that I had made multiple late payments that I was not aware of. I advised rep that I thought payments were due on the XXXX of each month only to be told that they are due on the XXXX of the month. I asked for the late fees to be waived and I would put account on autopay to avoid this issue. I was told no late fees could be waived because a late fee was waived back in XX/XX/2023!! I disagreed with the rep telling her this is the first time I had contacted care credit regarding this account which was opened in XX/XX/2023! Not only are they charging excessive fees but they are lying about removing late fees on accounts!! If they did it to me they are doing it to other customers... I was told today a late fee of {$30.00} was waived in XXXX but the late fees showing on my account are {$41.00} ... Rep also told me I could find where fee was waived on XXXX statement but I reviewed the statement and I saw nothing because they are lying!!!!!!!!
Product: Debt collection

I am in a lawyer based debt assistance program, XXXX XXXX, phone : XXXX. 

Received call from MACY 'S PHONE : XXXX I already sent letter and called them to notify of XX/XX/XXXXhandling my debt. 

Now receiving calls from MACY 'S ... and should not be.
Product: Vehicle loan or lease

On the evening of Friday, XX/XX/XXXX I decided to review all of my account statements from Regional Acceptance Corp to determine why my balance appeared to be high despite the additional payments I've been making since XXXX of this year. I found a few items that caused me a bit of alarm My account statements began reflecting a higher balance due in XXXX and have maintained the entire year. Instead of the {$390.00} car payment agreed to, I am consistently charged an unexplained additional cost of {$40.00} and the total amount due reflects {$820.00}. 

I found that I am being overcharged and my additional payments have not been applied to the principal as expected. This practice hurts me tremendously because I'm already paying high interest rates. It feels like I am caught in a web that makes it impossible for me to pay off my debt. 

It came to my attention that when I was making every effort to pay down my debt and sometimes making multiple payments my past due balance was increasing. I don't understand how that happens. 

My statement currently shows a past due amount though I am not past due and I've been charged late fees despite paying ahead of time this year. A request will be made to look into this issue as well as credit back the late fees and remove any inaccuracies. have written a letter that I will be mailing to Regional Acceptance Corp detailing my grievance. It will be attached with the other supporting documents.
Product: Credit reporting or other personal consumer reports

Fraudulent investigations in order to open accounts in my name. Inquiry : XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX Bank ) XX/XX/ XXXX XXXX
Product: Debt collection

I have written and sent 3 validation letters to XXXX XXXX to validate a debt owed. Starting XX/XX/18 ( 1st letter ), around XX/XX/18 ( 2nd letter ), and XX/XX/18 ( 3rd letter ). The 1st letter they did not send the information requested just a printout which stated not to send a printout, the 2nd letter there was no response, and the 3rd the same printout. They continue to not validate the debt with a contract and my signature stating I owe this bill. It has compromised my credit worthiness due to this false and incorrect account on my credit report. It has also harmed me getting new lines of credit.
Product: Debt collection

I paid the debt for XXXX XXXX XX/XX/2020 received a call this morning from XXXX a phone number registered in XXXX XXXX, VA to call XXXX regarding a complaint # XXXX. I called XXXX and this number is no longer in business. I called XXXX and was threatened with a law suit from Berkowitz & Associates XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
First he said he mailed a letter to my current address on XX/XX/XXXX. Then he said he mailed a letter to my old address from the XXXX 's. He said I will be sued in court. 
I called Berkowitz & Associates and they said they do not have a location at XXXX XXXX XXXX XXXX. I called XXXX XXXX credit card and they no longer have a credit card for me and it is showing as paid. The Supervisor said this is a scam and to report the caller. 
I have records of my paid receipt.
Product: Debt collection

I am a customer of U.S Bank I recently gained a substantial amount of money from trading stocks on XXXX after I made some winnings I transferred XXXX back to my U.S bank account on XX/XX/2021. I noticed a few days later that my XXXX account was warning me that my password was leaked. I then went on to my U.S Bank account and saw the same notification and when I looked at my balance all my money had been taken, I then went to my settings and got a notification that all my bank passwords had been stolen and that my accounts where involved in a data leak. I reported to XXXX and told them I have proof of a data leak and when I explained the situation to them they helped me get all my money back I also contacted U.S Bank i tryd explaining to them but they didnt seem to care to much about the details they give me provisional credit in the same amount that I had lost but I asked myself shouldnt they be concerned about why this was happening but they just shrugged me off as if I was a pest as if they just wanted to end the phone call, by the time I got the credit it was soon taken again leaving me with a bill of over XXXX XXXX dollars. They denied my claims and said I was irresponsible with my passwords even though I have evidence that there was a data leak on there end I should not be held responsible for there poor security system. Ive been getting harassed by U.S Bank constantly by there employees with harsh language and terms like nobodys going to believe someone like you I asked what that meant but they declined to answer, the worker continued to verbally attack me by saying you owe this and you have no choice but to pay without listening to a single thing I had to say. I just feel like this company is really abusive to there customers and they need to be held responsible. I would never be treated this way if my name was American or if my skin wasnt XXXX this has been one of the worst experiences of my life, I had no issues getting help from XXXX because they respect there customers enough not to harass and assume certain people are at fault because they look a certain way I love XXXX and how they treat everyone with dignity, I will inform all my friends and family about the way Im being treated by US Bank if this disrespect continues US Bank is a organization that has no respect for its customers especially if they are XXXX!!!
Product: Debt collection

I am re-opening this case due to the fact that issue was not resolved or addressed. The company in question is and used threating tactics in it's written correspondence of this disputed debt. Which is a direct violation of the FDCPA. Stating in the letter that we have not received any correspondence as it relates to this disputed debt when you have received correspondence from me and stating in both letters " if you don't pay us we will damage/negative your credit on your report ''. I would be happy to provide copies of these letters if you or the CFPB need them. I consider this wording to be very threatening and aggressive. I look forward to working with you to address this concern and issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/year>, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX U S DEPT OF EDXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX 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: Mortgage

I am filing this complaint against DiTech and the late reporting to the credit bureaus. As I previously stated, I have tried on dozens and dozens of times to reach a DiTech representatives to discuss the matter, never to receive a call back or an explanation regarding the issues surrounding my account. The following is a list of dates where I left messages for DiTech representatives : XXXX at extension 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, and XXXX/XXXX/XXXX. 
XXXX XXXX extension XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX she stated she submitted a verbal dispute, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. 
XXXX XXXX ( manager ) x 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, and XXXX/XXXX/XXXX. 
XXXX x XXXX - I spoke to her on XXXX/XXXX/XXXX and she said she would have an account manager call me back. I tried reaching her several more times after I did n't get a call and could never get through to her again as she had no voicemail set up. 
XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX x XXXX : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX x 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, ( now, no longer with the company ) XXXX x XXXX : XXXX/XXXX/XXXX stated a supervisor would call me back, No call back. 
XXXX Customer Service stated XXXX x XXXX just acknowledged his email and would call back that day. I never heard back from her. 
XXXX x XXXX : stated my account issues go back to XXXX XXXX XXXX? really? 
XXXX x XXXX : XXXX/XXXX/XXXX stated he would review my account and call me the next day. No call back. 
Due to lack of communication from DiTech, and the fact that I tried to discuss my account with numerous representatives to find out where the discrepancies were, they should immediately remove the late mark from my credit report. THE FACT THAT IT TOOK SO LONG TO WORK THIS OUT IS UNACCEPTABLE! The constant different information from different representatives is also unacceptable! My persistence is the only reason we are now at the point that we are. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Checked XXXX XXXX report on XX/XX/year> and notice a Indigo Platinum Master account on my credit report with a limit of {$700.00} and {$170.00} has already been spent. Looks like a hard inquiry was done on XX/XX/year> and a card was issued the middle of XX/XX/year>. Indigo customer care service number is XXXX and correspondence address is Concora Credit XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX  shows information as INDIGO XXXX  XXXX  XXXX XXXX XXXX XXXX OR XXXX . I have place a credit freeze on credit report through XXXX and they stated they would notify XXXX and XXXX. The indigo account was not on the XXXX, but was seen on the XXXX account.
Product: Credit reporting or other personal consumer reports

I reported on numerous occasions that i have infomration on my credit account. Fraudlent activity relating to accounts, XXXX now has confrimed that all of my personal infmation was involved in a big data breach and my personal infomation was compermised. ( social, bithday name etc. 

I have requested to have items removed it is affecting my credit, they have not removed them off of my account.