23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On Saturday, XXXX/XXXX/16, I received a from Ditech Financial stating that my XXXX 2016 mortgage payment was not received. The letter further went on to state that late fees would be charged as a result. I contacted Ditech customer service on Tuesday, XXXX/XXXX/2016 to learn more about Ditech 's assertion that the payment was not recieved. I explained that my payment was made online with XXXX XXXX XXXX bill pay system. My statement was documenting that the payment was processed to Ditech on Thursday, XXXX/XXXX/2016. The customer service representative and subsequent supervisor requested that I fax a copy of my recent statement to them. I faxed my statement on Friday, XXXX/XXXX/2016. I called to follow up with Ditech the first week of XXXX. The customer service representative stated that the disputed was sent on to investigations. I had provided customer service and the supervisor with my contact information in my initial call and in the subsequent call. Having received no contact initiated by Ditech, I called to follow up as to whether my payment had been located. My XXXX 2016 payment to Ditech was sent and documented processing during this time. I then recieved a letter stating that my XXXX payment was not received. I contact Ditech customer service and was told I needed to provide a visual image of the processed payment. I asked how one accesses visual documentation of an electronic payment and the customer service representative suggested I contact my bank. On XXXX/XXXX/2016 I enlisted the assistance of XXXX XXXX of XXXX XXXX XXXX to help research my payments. She reports that XXXX XXXX XXXX central processing verified the payments to XXXX XXXX on behalf of DiTech on XXXX/XXXX/2016. As of this submission, Ditech has failed to contact me to confirm resolution of this issue. Resource staff contact information fails to access staff. Front line service representatives are unable to confirm resolution. 
At this time I am seeking assistance to resolve this payment dispute.
Product: Credit reporting or other personal consumer reports

INPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without mv written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Please update the following accounts and paid, never late.

15 USC 1666 USC 1666B 12 CFR 1026.13- Billing Error- Late payments XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

Dates that need to be updated to paid, never late. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please correct/update this inaccurate information on my credit report to paid, never late.
Product: Debt collection

Tried on several attempts since XXXX to get debt verified. Now that its XXXX No response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th Endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) # Credit Bureaus are required to remove any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ;
Product: Mortgage

My loan is currently serviced by CMG Mortgage. They keep telling me that my loan needs to be seasoned or at least five years old before they can remove PMI. Otherwise, my LTV needs to be 75 %. I tried to do a loan modification on my loan, and they gave me the runaround. They also did an appraisal, and the value of the home came back where I would have 80 % of equity. I would like my PMI to be removed. They are unwilling to help me, and we are paying a lot of money for this insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On agust XXXX The background check company Checkr Is sharing information about a XXXX XXXX XXXX conviction. 
The conviction is from XX/XX/XXXX Arrest date XX/XX/XXXX According to New York state fcra rule background check companies have a 7 year limited scope to screen potential job candidates. 

This has never been a problem with other background check companies, checkr is the only one causing adverse actions against 11 years later.
Product: Checking or savings account

XXXX  XXXX was bought out by XXXX. My phone was scheduled to stop working but stopped working over a month before that date. After calling multiple times, speaking with atleast 10 different people each time and being on the call for atleast an hour each time, they said they would issue a refund for the monthly charges as well as the data add on that I purchased. I received a refund for the data add on but never for the month of service. Everytime I tried to call back each person would tell me something different, most of them blatantly lying to me. So I disputed the transactions since I did not receive service for the month in which I had paid, I was promised a refund, did not receive it, then was lied to and told they never provide refunds even though I had already been refunded for the data add-on. I disputed the transaction on XX/XX/XXXX. I was told the merchant had 45 days to respond. Then I would receive a decision within 3 days following the 45 days if the merchant had not responded. I emailed them several times within the 45 days to see if the merchant ( XXXX XXXX ) had responded and they emailed me back the same day each time. Now since the 45 days then the 3 days have passed I have tried to contact them 4 or 5 time, both via email and through their in app support. I have not received any replies via email and when I contact their in app support they refuse to assist me stating someone will email me even though no one ever does. It has now been 60 days and I can not get anyone to assist me whatsoever regarding my dispute. I can not even get someone to respond to any of my messages or emails. I should have gotten a response with a decision without me needing to contact them in the first place. It has now become clear they are not going to proceed in closing out this dispute. So I need help resolving this matter since at this point I have done everything I can do. Also, I do want to add that I believe the information and timeline that were provided to me were inaccurate. I am not completely sure of this since I am not familiar with all of the regulation 's they must adhere to but it is something that I definitely think needs to be investigated.
Product: Checking or savings account

US Bank charged me overdraft fees even though I did not consent to overdraft protection that such protection was applied to my account. I was charged XXXX overdraft fees of {$36.00} each on XX/XX/XXXX. I was charged an overdraft fee of {$36.00} on XX/XX/XXXX. I was charged an overdraft fee {$36.00} on XX/XX/XXXX. 

I called US Bank today, XX/XX/XXXX, and spoke to a representative from US Bank. I told the representative I did not consent to overdraft protection that such protection was applied to my account. The representative told me the overdraft fees will not be waved.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent out letter to Equifax XXXX XXXX regarding inaccurate and false information on my credit report. It has been over 60 days and I have not received and type of response yet. I feel as if Im being taken advantage of, and my disputes are being ignored by the credit these three credit reporting agencies. Section XXXX XXXX a ), it clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has gone over the 60 days and these items should be immediately removed and deleted promptly. I demand these accounts be deleted immediately. If these items are not removed I will be forced to file for litigation due to stress that has been caused because of this. My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. I believe that I am a victim of identity theft and these agencies refuse to acknowledge my cries.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : {$4000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies made unauthorized inquiries on my personal credit report. I listed below the names and the dates the inquiries were made. Since I did not authorize these companies to obtain my credit report, I demand that these inquiries be deleted as soon as possible and my credit score be adjusted accordingly : XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Chase : ACCT # XXXX XXXX. Inaccurate Payment History and Overall Amount Reporting 2. Status should reflect as PAID IN FULL! 
XXXX. Remove more than 180 Days
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was still charged fees due to lagged posting of charges and credits. This issue aligns with the most recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX and I am writing to you about a past account with XXXX XXXX XXXX that was settled with XXXX XXXX XXXX XXXX. with two payments ; first on XX/XX/XXXX of {$110.00} and the second on XX/XX/XXXX of {$110.00} in acceptance with XXXX XXXX XXXX. To this day I still see a charge off and the derogatory mark with other negative remarks on my files with the credit bureaus. This is further ruining my credit and considered unfair business practice. I have been harassed with phone calls and threatening letters that say it will make it hard for me to get credit ; this affected my health very badly. I don't know how the credit bureau takes on this kind of information. I have a good history of making my payments on time with any creditor on my credit file, and have been a good customer to XXXX XXXX XXXX with the lease of the XXXX XXXX XXXX since XX/XX/XXXX, making my payments until XX/XX/XXXX, when I purchased another car from XXXX XXXX XXXX. XXXX XXXX XXXX did the payoff for the last six months and I was told there are no outstanding amounts at the signing of the new contract. This was not the case, as XXXX XXXX XXXX through XXXX XXXX XXXX has been attempting to collect a turn-in fee that was first {$370.00} that was later reduced to the two payments of {$110.00} that was turned over to XXXX XXXX XXXX XXXX. and which was then settled, after XXXX XXXX XXXX ruined my credit over a turn in fee which has nothing to do with the lease amount and is a separate fee. XXXX XXXX XXXX did not close the account and did not show paid in full, until this fee was paid then showing a charge off, and like it shows in my original contract from the XXXX XXXX XXXX, this turn-in fee is not part of the monthly payments. Please help me because I would like to see these negative remarks from XXXX XXXX XXXX taken off my credit reports. Thank you. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I established an online account with PayPal on XXXX XXXX, XXXX. Shortly after, I was informed that my account had been temporarily limited on XXXX XXXX, XXXX, and was requested to provide additional information to verify my identity. I complied - and provided a copy of my U.S. passport, only to be told that PayPal had decided to close my account due to some " security issues ''. This is ridiculous - I 'd been using the account normally and PayPal could n't even provide an explanation to justify its decision. The reference number for PayPal 's request for my identification is : XXXX XXXX.
Product: Credit card

Refer to the attached documents. I request the bureau to initiate an investigation into these accounts that incorrectly report me as late, despite my punctuality.
Product: Credit reporting or other personal consumer reports

NOTICED ERRORS ON CONSUMER REPORT AND MADE APPLE CARD/GS BANK AWARE AND THEY CONTINUE TO REPORT AND NOT REMOVE THESE ERRORS AND CONTINUE TO VIOLATE FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING 1. APPLECARD/GS BANK, WAS SENT A NOTICE OF ERRORS, AND NOTICE TO CURE FAULT, AND NOTICE TO REMOVE DEBT REPORTING MORE THAN 180 DAYS PAST DUE AND IS ENTITLED TO DISCHARGE. 

2. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT LAST PAYMENT WAS MADE XX/XX/2023 IN THE AMOUNT OF {$1800.00}, WHICH MEANS THE DEBTS 210+ DAYS PAST DUE AND IS DEEMED NON-COLLECTABLE AND ENTITLED TO DISCHARGE. 

3. LASTLY, THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB, FTC and my Attorney General.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not mine and I have no knowledge of. This is Identity theft and Id like these removed from my credit ASAP! 

XXXXXXXX XXXX Date Opened : XX/XX/XXXX Acct # : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Acct # : XXXX
Product: Consumer Loan

I closed the account XX/XX/XXXX.why is still showing on my credit report.I want to remove from the credit report.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 


XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing these unauthorized accounts, and I have before but for some reason the three ( 3 ) major credit bureaus are still reporting these unauthorized accounts, and if you can not provide me with physical documentation then as stated within the FCRA, I'm demanding that these accounts be blocked immediately from my credit report ... please remove these following accounts ( 1 ) XXXX XXXX ( 2 ) XXXX XXXX XXXX XXXX ( 3 ) XXXX/ XXXX XXXX ( 4 ) XXXX XXXX {$2300.00} ( 5 ) XXXX XXXX {$1500.00} ( 6 ) XXXX XXXX XXXX {$1500.00} ( 7 ) XXXX  XXXX XXXX XXXX {$790.00} ( 8 ) XXXX XXXX XXXX {$760.00} ( 9 ) XXXX XXXX XXXX {$150.00} ( 10 ) XXXX XXXX  ( 11 ) XXXX XXXX XXXX
Product: Credit card or prepaid card

TRACKING NUMBER XXXX wells fargo case number ; XXXX XXXX XXXX and discrimination they closed my account and credit card when i ask for a credit line increase account number XXXX XXXX XXXX XXXX i would like it opened back up with the right amount of credit other custumers that i know have over XXXX
Product: Money transfer, virtual currency, or money service

I transfer some cash for the sum of XXXX to coinbase on XX/XX/XXXX On XX/XX/XXXXi received an email from coinbase saying they could not process the money because of the currency and they would return the funds back to my bank account within 2 days.
Today is XX/XX/XXXX and i havent received anything. I have written countless amount of emails to support, did not get any reply until XX/XX/XXXX, saying my money would be returned in several days, Still nothing! Please help me retrieve my money.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account with XXXX. The debt was turned over to collections and that is how I found out that I had become a victim of identity theft. I notified XXXX XXXX, XXXX XXXX XXXX and XXXX with phone calls and letters. On : XX/XX/21 I provided all three companies with a letter stating that I was a victim of Identity theft along with ; Identity Theft Report, Police Report, Proof of Identity, Notice to Furnishers of Information. On : XX/XX/21 I sent a follow-up letter with all the previous information. On XX/XX/21 I still had not heard back or received any information. Again, I sent another letter with all previous information. I then contacted all three credit reporting agencies and sent them the information that I had sent XXXX XXXX, XXXX XXXX and XXXX. They did an investigation and found that I was indeed a victim of identity theft and removed the collection from my credit report. I believed this situation had been resolved. In XX/XX/2021 I received a phone call from AFNI Collections in attempt to collect a debt on behalf of XXXX. I explained to them that this has already been resolved and that they should contact XXXX. They sent me a packet, with a list of items, stating that I need to provide them to properly process the fraud claim. I have already spent so many hours working on this fraud claim only to have it start-up again with an another collection agency. XXXX has never provided me with an account application made on paper, online, or by telephone, account statements, signatures on applications and accounts, investigators report, and any information where the account was opened. All XXXX has done is keep sending this to a new collection agency for them to try and collect on a fraudulent account. XXXX needs to be held accountable for their poor business practices that allowed this to happen in the first place.