23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT, USA XXXX RE : Disputed Account Notice to Furnisher XX/XX/XXXX Item was removed and added again! 
XXXX 
Dear Sir or Madam : I discovered XXXX XXXX XXXX # XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. 
I previously notified you that I am a victim of identity theft, and requested that you do the following : I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 
Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files. 
Identity Theft Report Proof of identity Notice to Furnishers of Information
Product: Mortgage

I have a federally backed loan by XXXX - a government owned company division of HUD. 

I submitted all requested information to apply for modification. The servicer, Gregory Funding, says that they did not receive all my paperwork. I have resent them. They will not confirm receipt. 

I sent via email which I have a copy of. Their preferred method is to have customer log into account and upload the documents directly. When you do it this way, there is not a record of the submittal created. I am at a loss on how to proceed. 

Moreover, I requested a CARES ACT forbearance due to being impacted by COVID 19 and my loan being backed by XXXX, a Federal company and division of HUD. The servicer refused.
Product: Credit card or prepaid card

I was alerted by XXXX XXXX, XXXX and XXXX who monitor my credit on XX/XX/XXXX that Macys/Citibank NA was showing I was over 30 days past due for my XXXX payment. I have included what appeared on my online Macy 's account as well as XXXX emails indicating receipt of payment. 
My XXXX payment was due on XX/XX/XXXX. The balance was {$80.00} of which I returned {$24.00} for XXXX items on XXXX and another return for {$39.00} posted by Macys on XXXX. See statement from Macy 's ( Exhibit B ). I kept XXXX item costing {$16.00}. I made my payment for the balance due of {$16.00} on XX/XX/XXXX. 
Later in XXXX, I received my next bill indicating a {$29.00} late fee ( Exhibit C ). I contacted Customer Service and was told it was because I had not paid the minimum payment of {$29.00}. I explained I had not kept {$29.00} worth of goods and that I had paid the remaining balance for the XXXX item I kept in the amount of {$16.00} on XX/XX/XXXX. They did reverse the late fee however, they continued to state I was past due by {$12.00} ( {$29.00} late fee minus {$16.00} ) because I had not met their minimum payment of {$29.00}. I could not after several phone calls ever get anyone to acknowledge their error and I also was not going to pay for goods that I did not possess. 
Unfortunately, due to being on vacation in early XXXX, I forgot to make my payment on time ( XXXX time in years ) and as soon as I was alerted about this on XX/XX/XXXX, I immediately went online, paid the balance due, late charges and interest in the amount of {$100.00}. Of note, in this statement online they had a different amount showing past due which was the current late fee of {$25.00} ( Exhibit D ). They also stated I was now XXXX months past due. My payment was 6 days late as I had made my XXXX payment on time! 
It appears due to their error in not acknowledging my payment in full in XXXX, they reported me as not paying by the due date in XXXX by 30 days to XXXX and XXXX and by 60 days to XXXX. I WAS 6 DAYS LATE NOT OVER 30 DAYS LATE. I verbally asked them to correct this information on XX/XX/XXXX, however they sent a letter stating they would not do so ( Exhibit E ) dated XX/XX/XXXX. I then wrote to Macys/Citibank NA XXXX XX/XX/XXXX ( Exhibit F ) and detailed what had happened. They again would not correct their erroneous reporting to the XXXX agencies ( Exhibit G dated XX/XX/XXXX ). I asked in my letter to prove to me I had not made my payment in a timely manner in XXXX, however they did not do so. I closed my Macys/Citibank NA account on XX/XX/XXXX after being a cardholder since XX/XX/XXXX. There is a serious problem between what information is shared between Macys and Citibank. 
Their reporting has severely damaged my otherwise excellent credit score which was always over XXXX. I am including XXXX XXXX XXXX statement of my XXXX scores as well as XXXX 's score of XXXX on XX/XX/XXXX ( Exhibit H ). I also tried to dispute the erroneous information with XXXX and XXXX and in the end I was told that any changes would have to be made by Macys/Citibank NA .
Product: Mortgage

Name : XXXX XXXX XXXX Address : TBD, XXXX XXXX NY XXXX XXXX : about {$610000.00} Annual income : {$95000.00} Rent : {$2200.00} Current Outstanding Principal : about {$75000.00} Cars Outstanding Principal : about {$37000.00} New Mortgage amount : {$200000.00} Reason : To consolidate debts. 

On XX/XX/2021 I applied to refinance XXXX Condo. with Wells Fargo Home Mortgage, I had verbally confirmed my eligibility and we agreed to pursue. 
On XX/XX/2021 I submitted the majority of required document and asked to pause on appraisal until I get conditional approval. 
On XX/XX/2021 I was assured by Wells Fargo team that all conditions have met and I should pursue with the appraisal. And I did. 
On XX/XX/2021 - I was verbally given closure date - XX/XX/2021. 
On XX/XX/2021 - I was verbally given closure date " before XXXX '' XX/XX/2021 On XX/XX/2021 - I was given a new date XX/XX/2021. 
On XX/XX/2021 - I received a call stating that I do not qualify for refinance, because the mortgage does not meet XXXX XXXX requirement for investment property " it is 27 %? renters in the building '' On XX/XX/2021 - I asked to provide me an official decline letter in writing. The company failed to provide me a letter. I also asked the company to reimburse me for appraisal fee. 
More references available upon request.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the removal of inaccurate late payments reported by XXXX XXXX for the months of XXXX, XXXX, and XX/XX/year> from my credit report. These late payments are having a significant negative impact on my credit score, and I believe they are not accurately reflecting my financial situation during that period due to extraordinary circumstances brought on by the COVID-19 pandemic.

During the specified period, I faced severe financial hardship caused by the pandemic, which temporarily affected my ability to make payments on time. Under Section 4021 of the CARES Act, consumers like myself, who entered into any form of relief agreement with their creditors, such as deferments or forbearances due to COVID-19, should have had their accounts reported as " current '' on their credit reports, provided they were complying with the terms of such agreements. 
Despite this legal protection, XXXX XXXX continued to report these payments as late, which I believe is an error in the handling of my information. The continued presence of these late payments on my credit report is unjustly damaging my credit score, resulting in higher interest rates, reduced access to credit, and additional financial difficulties.

According to the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ), credit reporting agencies and information providers are required to ensure the accuracy and completeness of the information they report. Furthermore, the FCRA, along with 15 USC 1666 ( b ) and 1637 ( b ) of Title 15, protects consumers by requiring the correction of any errors or inaccuracies.

I have already disputed this information directly with the credit bureaus, but the late payments remain on my credit report. Therefore, I am seeking the assistance of the CFPB to intervene and ensure that these late payments are removed in accordance with the legal protections provided by the CARES Act and the FCRA.

Please find attached copies of the letter sent to the credit bureau with my credit report highlighting the disputed late payments, as well as any relevant supporting documentation. I respectfully request that the CFPB assist in the removal of these inaccurate late payments from my credit report to restore the accuracy of my credit history.
Product: Mortgage

Our loan servicing was moved from XXXX XXXX XXXX XXXX to LoanCare LLC, effective XXXX XXXX. Our on-time payment to XXXX XXXX  XXXX for the XXXX of XXXX, was not posted by LoanCare until XXXX, causing us to pay an additional 12 days of interest. Since that time, all payment made have been electronically transmitted through XXXX XXXX Bill Pay to this company - and all of them have been received by LoanCare prior to the due date, but posted a few days into the month - every single month. We have three other mortgage companies - all paid electronically through the same process, and all of the others post on time. We never had this problem with the prior servicer, XXXX XXXX XXXX. Here is what we have been dealing with : Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX Payment Due XXXX ACH Remittance XXXX with XXXX payment date - Posted XXXX This means that not only are they in receipt of the ACH remittance from XXXX XXXX early or on time - but that all of the other Regions customers that are included in this remittance are also in the same boat. They are not posting our payments timely and are charging us interest for additional days when it is not due to them. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

Letters were sent to XXXX, XXXX, and TransUnion in regard to incorrect personal information they have on each of their reports. I asked for removal as well as any and all documentation pertaining to how and from whom they received this information. I received no response from either three bureaus, and the incorrect information remains on their reports. I have attached copies of the letters that were sent to each company which lists the information that needs to be removed, asap.
Product: Credit card

A few weeks ago, I initiated a letter to verify debt from LVNV Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX. It appears that account incurred on XX/XX/year>. My initial contact was by phone and have not been able to verify or resolve, My second attempt was letter to verify information and request written communication based on Fair Debt collection Practices Act ( FDCPA ) 1692g and have yet to receive a response. XXXX XXXX XXXX have left message representing as an attorney to collect a debt that yet to be verified. I'm currently seeking to have this debt removed from my credit report immediately due to no response and unverifiable debt according to Fair Debt collection Practices Act ( FDCPA ) 1692g, I thank you for your immediate attention to this matter. 

Best Regards, XXXX
Product: Credit card or prepaid card

so I logged in to Capital one website on XX/XX/XXXX the due date on my account I made the payment on Monday for some reason It did not go through all the way so I got a late fee. I called customer service to tell them what happened and none of them would waive my late fee for me I have sent emails to Mr XXXX and a bunch of excecutives and have heard absutoley nothing I even tried to call the contract I had in the corp offices from last time and he docent work there anymore. This is not the `1st time I had a problem with there website. I have talked to a manager named XXXX who's employee number is XXXX XXXX who does not think my late fee issue is warranted to send into customer relations and she won't help me and docent think my issue is important enough to send the coreperate office at all she is very rude and act she was god and I could not talk to anyone above her and she made me really upset.
Product: Debt collection

XX/XX/XXXX my bank account was put on hold/levy due to a Credit card debt which was bought by another consumer whom pursued the situation to collect the debt. Exact amount that was taken {$320.00} and {$75.00} court fe that was filed against me. Before anything else the total amount I owed came out to be {$1100.00}. I called the office who is handling my case and made an agreement payment of XXXX $ every XXXX of the month. I was told from the office by the secretary that money order is the only payment acceptable and to keep track of my payments because I wouldnt be receiving any type of confirmation receipt for every payment Id be making. On XX/XX/XXXX my bank had called me to notify me that my bank account has been unfroze and Im able to use it. That same day i called the office and ask them for the remaining balance of my debt. The secretary explained and answered, {$1100.00} subtract the {$320.00} from my bank which totals by debt balances of {$830.00} on XXXX. I made a total of 4 money orders to this office in regards to the debt I still owed. From the month of XXXX. to XX/XX/XXXX I made XXXX $ on the XXXX each month and mailed the money order to the address they provided me. Which would bring my debt down to XXXX by XX/XX/XXXX .. on XX/XX/XXXX I called the office and asked the secretary about my case and how much i still owe I was told {$530.00}. I went to XXXX XXXX XXXX, NJ, purchased the money order with that amount and mailed it to the one address that they provided me with. A month later, I called the office and asked about my case and as to why I havent received any confirmation letter stating that I already paid the debt so I can dispute it in my credit report and get back on track without the derogatory mark that is to this day still on my credit report.the officer who handles my case responded and told me I still owed {$630.00} I was shocked and confuse considering a month ago his secretary has told me that it was XXXX.. I had asked him to please check and look at all the updated document under my case because I have all the documentation of proof of payments for my debt. The next day he emailed me stating that they havent received any Payments since XXXX, then a week later emails me a notice of late payments. If that was the case why i havent received that notice from the XXXX and XXXX payment that he claimed to not receive any payments of. I dont know who else to contact and what else to do in order to get this derogatory mark off my credit report. I did my part and handled it as fast as I could. I thought I had.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I.Q. Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Pursuant to the FDCPA Dear I.Q. Data XXXX, I am writing to formally request validation of the debt that your company is attempting to collect from me. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to receive full verification of this alleged debt before I take any further action.

Please provide the following documentation to validate this debt : 1. Proof of Assignment A copy of the original agreement that legally transfers this debt to your agency.

2. Original Creditor Information The name and contact details of the original creditor, including account details.

3. Complete Payment History A full breakdown of how the amount was calculated, including principal, interest, fees, and any additional charges.

4. Legal Right to Collect Documentation proving your legal authorization to collect this debt on behalf of the original creditor.

5. Signature Verification A copy of any agreement with my signature that proves I am legally obligated to pay. 
6. Statute of Limitations Documentation proving the debt is within the legal timeframe for collection.

If you are unable to provide all the requested validation within 30 days, you must immediately cease collection efforts and remove this account from my credit reports as per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Additionally, any further reporting of an unverified debt to the credit bureaus is a direct violation of the FCRA and FDCPA, and I will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

Please consider this a formal dispute of the validity of this debt. I expect a response in writing within the legally required timeframe. I.Q. Data XXXX account number- XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Method of Verification Under 15 U.S.C. 1681 for Disputed Accounts Dear CFPB Representative, I am writing to formally request the method of verification used in the investigation of the negative accounts on my credit report, which I previously disputed with Experian and XXXX. These accounts were validated and investigated ; however, I have not been provided with any substantial evidence proving their legitimacy. As these negative accounts are adversely affecting my financial progress, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that I be provided with the method used to verify the accuracy of these disputed accounts. 

I kindly request that you provide the detailed procedure, evidence, and documentation used to validate these accounts. If the credit reporting agencies and furnishers are unable to provide such verification, I demand that these accounts be deleted from my credit report immediately, as required by the FCRA. 

Please respond within the timeframe specified by law. Failure to comply will leave me no choice but to escalate this matter further. 

Thank you for your prompt attention to this urgent matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I purchased an insurance policy from XXXX XXXX XXXX on XX/XX/year>, for {$350.00}, with coverage set to begin on XX/XX/year> ( Policy Number : XXXX ; Exhibit 1 ). Despite completing the payment in full, I encountered several issues with the processing of my policy. On XX/XX/XXXX and XX/XX/year>, I received emails requesting that I complete the setup for my policy, but my policy status remained Policy is still being processed even after following the provided links ( Exhibits 2 & 3 ). 

Over the following months, I made numerous calls and online chats with XXXX representatives to request my policy documents and proof of insurance, but I was consistently informed that my policy was still being processed ( Exhibit 4 ). Due to the ongoing uncertainty regarding the status of my insurance coverage and the lack of documentation, I decided to cancel the policy. 

On XX/XX/year>, after continued frustration with XXXX, I purchased a new policy with XXXX XXXX, effective XX/XX/year>, as law enforcement presence in my area had increased ( Exhibit 5 ). XXXX requested proof of prior insurance coverage, but XXXX was unable to provide any record of insurance coverage or policy documents showing that my policy was active as of XX/XX/year> ( Exhibit 6 ). 

As a result of the ongoing issues with my policy, I filed a dispute with my credit card company, and the payment for the XXXX policy was reversed on XX/XX/year> ( Exhibit 7 ). Despite this, XXXX and their debt collector, CREDIT COLLECTION SERVICES, have continued to pursue collection for the {$350.00}. The first contact from CREDIT COLLECTION SERVICES occurred on XX/XX/year>, via text message ( Exhibit 8 ). In response, I submitted a letter of explanation on the same day disputing the charge and providing evidence of the ongoing issue with the policy and my payment reversal. 

Since that time, I have not received any further communication from them until XX/XX/year>, when I received another text message threatening to report adverse credit information to the credit bureau ( s ) unless the full amount was paid. This text referenced XXXX # XXXX and included a demand for immediate payment, despite my ongoing dispute and the fact that no service was provided during the relevant period ( XX/XX/year> - XX/XX/year> ). The message also provided a contact number ( XXXX ) and a payment website ( www.ccspayment.com ) for resolution, with the option to opt out by replying STOP. 

I am reporting this case due to the persistent threat of adverse credit reporting and the continued pursuit of payment without providing proper documentation or proof of service for the disputed period. I am requesting that XXXX provide proof of coverage during this period or further clarification of the charges. Additionally, I seek an explanation as to why payment is still being demanded despite the lack of service during the months in question.
Product: Credit reporting or other personal consumer reports

In 2021, I purchased a vehicle financed through XXXXXXXX XXXX XXXX XXXX  ( XXXX ). When the company transferred my account to XXXX XXXX XXXX, I was incorrectly informed that I was behind on payments, even though I had made all required payments on time. Despite providing proof of payment, my vehicle was repossessed without justification. I was then told I needed to pay {$2000.00} to recover my car, which was eventually sold without my consent or proper resolution of the dispute. 

Additionally, I believe I may have been impacted by the issues highlighted in the CFPB lawsuit against XXXX, including being double-charged for collateral-protection insurance and having payments misapplied to late fees or insurance instead of accrued interest. These practices inflated my balance and contributed to my vehicle being wrongfully repossessed. 

This incident has caused severe harm to my financial stability and credit. I am now unable to purchase a vehicle, secure housing, or obtain stable employment. I am requesting the removal of negative credit reporting related to this matter and a full investigation into the wrongful repossession and potential overcharges or misapplication of payments.
Product: Mortgage

On XX/XX/XXXX I submitted an application for a VA IRRRL, notifying the loan officer that my ability to receive calls was unreliable. On XX/XX/XXXX the loan was approved and the officer, despite my previous statement, attempted to call me about the rate lock. As I stated I was unable to reliably answer calls and missed this contact and no email was sent as a reminder. The company then failed to contact me until XX/XX/XXXX attempting to lock in my rate at 0.625 % higher than the original loan estimate.