23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On the XXXX of XXXX I sent CMG mortgage a certified check for our mortgage payment. I sent it USPS certified mail with a tracking number. CMG received the payment on XXXX XXXX. I have a copy of all the paperwork. CMG claims to not have found the check and have done very little about it. They refuse to give us a direct line to call and continue to try and collect XXXX payment. We paid our mortgage for XXXX but even though there is an investigation and we have submitted all requested paperwork they have submitted claims of late payment to The credit bureau and we have late fees. Refuse to give us a timeframe for the resolution of this matter or any written or emailed document stating that they are in fact investigating it. 

We have faxed all this information to CMG and been calling regularly.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX XXXX through XXXX, and this was the funding company that they provided to fund my loan. I have been attempting to sign my loan documents for a couple of days now with no luck. The problem was with the authentication method, and I just needed to be sent a new way to authenticate. I was instructed through the docusign system to contact the lender which I have tried over 12x through the 2 emails provided on their website. My emails are coming back as undelivered. I tried to call them several times and the numbers are all giving busy signals. I wrote them on XXXX thinking that would be a faster line of communication and they have an automated response. I went to their reviews on XXXX and A LOT of ppl are having the same problem as me but for a longer period of time. And never receiving their funding but their status being : FUNDED and they havent been, And their communication isnt there! Im confused and I dont want to be a victim of any type of scam when I really need this money for my business! I have payroll coming up and this was the whole reason for applying! Im just needing some clarity, on what I need to do and to speak with someone in their office to walk me through getting my funding and not having weeks of misunderstandings and no funding, when its stated that Im almost funded. Please help!
Product: Debt collection

I received a debt collection letter from Jefferson Capital, stating that I had a collection for XXXX XXXX. I have never had an account with XXXX so I dont know how I would owe them anything. 
I called XXXX, but they would not speak to me about an account the is in collection.
Product: Credit reporting or other personal consumer reports

I implore you to devote the necessary time and attention to expunge the late dates and negative remarks from my credit report. In the current economic climate, I can not afford the repercussions of inaccurate information negatively affecting my credit score. I anticipate the receipt of an updated copy of my credit report that reflects these vital changes within a period of thirty ( 30 ) days. XXXX XXXX XXXX XXXX - I have consistently made timely payments and have never been delinquent. I insist that the late payment notations be promptly corrected to accurately reflect my payment history. I demand the removal of the late dates and a status update to " paid/never late. '' Please note that I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Product: Credit reporting or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Late Payment on Credit Report Dear TransUnion, I, XXXX XXXX, am writing to dispute a late payment reported for XX/XX/XXXX on my XXXXXXXX XXXX  account ( Account number : XXXX ). I have never missed a payment on this account. As such, I request that you provide documentation to support the claim of a late transaction related to this account. 
If you are unable to provide proof of such a late payment, I request the immediate removal of this incorrect entry from my credit report.

Furthermore, under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late on an open-ended consumer credit account if the payment was made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX Hospital, XXXX XXXX XXXX XXXX XXXX, WI was dispatched to my home, where I had fallen. For which the total cost is now showing on my credit report as a delinquent amount of {$3000.00}. As recent as of XX/XX/XXXX and to remain till XX/XX/XXXX. Is now in the hands of Alliance Collection Agency. I would not have known this outstanding derogatory bill was on my credit report Except I began the process of buying a home. I have had XXXX XXXX since XX/XX/XXXX. Some how XXXX, XXXX XXXX Hospital deemed me responsible for the bill, for which I explain to them XXXX would take care of it. However it did not. On XX/XX/XXXX I contacted XXXX Supervisor XXXX XXXX XXXX ( XXXX ). He advised me to talk with XXXX in billing. Both had explained to me there was no longer a balance due and XXXX explaining that XXXX ( XXXX XXXX XXXX XXXX XXXX ) who assist in medical where XXXX does not, Had taken care of the balance, according to XXXX XXXX, this mater was handled on XX/XX/XXXX. I have also spoke with the Alliance Collection Agency and it seems as though the matter is getting worse. There are two other matters on My Credit Report as well for which I have satisfied but have not yet been deleted as resolved. However I am filing complaint one at a time, this one being the largest and most difficult. I hope I have included all that is needed for this matter to receive your attention. Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve these issues with the companies but i have not been able to get anywere. The following account are not mines : XXXX XXXX/XXXX  {$210.00} XXXX XXXX/XXXX   {$260.00} XXXX/XXXX {$310.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX/XXXX XXXX {$760.00} XXXX XXXX XXXX  {$890.00} XXXX/XXXX {$0.00} XXXX/XXXX  XXXX {$1100.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1100.00} XXXX XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX XXXX {$600.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX  {$380.00}
Product: Debt collection

I have already disputed the initial letter that I received from this debt collector thru on the phone and with certified mail. Please STOP sending me repetitive letters to collect debt over and over. I have a lot of pain and suffering already since last year I had been scammed big-time. The detective 's name that handling my fraud case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Then, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. XXXX of the FBI Special Agents called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Please see attachments as evidence. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the XXXX in XXXX XXXX, California whose handling my fraud case currently. 

Thank you very much for your understanding and consideration, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a request to XXXX, Equifax, and I can not submit a dispute with XXXX ( due to always having error of submission for the past week ), a request under section 609 ( c ) of the fair credit reporting act to send me XXXX a copy of the original contract that I have signed from the creditors. I have not been able to complete any dispute with XXXX, they always seem to have problems with completing any type of dispute. XXXX is only doing what they like to do, which is submitting a request to verify if the account is accurate and coming back with the same message. I did not ask any of these credit agencies to verify with the so-called creditors, I AM ASKING THE CREDIT REPORTING AGENCIES XXXX XXXX AND EQUIFAX TO SEND ME THE ORIGINAL CONTRACT THAT I SIGNED WITH THE CREDITOR THAT YOU AS A COMPANY REQUIRED TO HAVE IN YOUR DATABASE ACCORDING TO FCRA SECTION 609 ( c ). IF YOU ARE CLAIMING THAT THESE ACCOUNTS ARE VERIFIED AND ACCURATE, BY LAW YOU ARE REQUIRED TO POSSES A COPY OF THAT CONTRACT.

I AM REQUESTING FOR THE CREDIT REPORTING AGENCIES TO SEND ME THE ORINIGAL CONTRACT UNDER FCRA SECTION 609 ( c ) from your database system.

I am requesting for proof THAT YOU ACTUALLY VERIFEID EACH ACCOUNT according to FCRA SECTION 609 ( A ) ( 1 ) ( A )
Product: Credit card

Hello, I am writing this due to a late payment being reported on my credit report. The late payment being reported was XX/XX/year> for a self-lender account XXXX. As a courtesy for a consumer with an exceptional payment history I am asking for a late payment being reported on XX/XX/year> during a pandemic to please be reversed to paid as agreed. During this time, I could have been dealing with covid. 

Due to the late payment being reported during a pandemic which was a difficult time for the world, it was not my intention to send the payment late. I'm not sure what the disconnect was that month. From my history you can see there was no late payment prior or after that date. So as a courtesy which I know can be given, I am asking for the late payment to be reversed to paid as agreed as it is hurting my chances of getting approved for other credit cards. 

I know and understand a courtesy can be provided and I have never asked for a courtesy in the past. Please find attached a copy of my exceptional payment history.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$0.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

I filed a dispute on ( XXXX, XXXX XXXX XXXX XXXX  ) Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of { house, car, etc }. Experian violates my rights as a consumer, as well as federal laws.
Product: Debt collection

I would like to complaint a bout this Debt Collectors companyRESURGENT CAPITAL SERVICES L.P., located in XXXX, SC XXXX XXXX XXXX XXXX, phone XXXX XXXX XXXX XXXX. I've been harassed by them since XX/XX/XXXX, in less than a month they have sent me five notifications about an old credit card debt from the year XXXX for {$18000.00}. I haveverified that the Statute of Limitations for enforcing this type of debt through the courts in Texas has expired.Also, in their notifications, they act like they already have contacted me before the first one dated XX/XX/XXXX, which is a lie. 
I have been responding to all five notificationsas they've arrived because they keep saying if I don't respond to dispute this debt in 30 days, they'll obtain a copy of judgment. In order for me to respond to them, I've to expose myself ( I'm XXXX years old ) and others to this deadly XXXX  XXXX every timeI have to go to print the respond letters, and the Post Officeto mail them.In all my responses I've disputed this debt and I've asked them to stop contacting me at least they want to pursue this matter in court, but they haverefused to do it bycontinuing sending me more notifications.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$1700.00}
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX 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 my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 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 XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022 an unauthorized transaction for {$250.00} came out of my account. I tried to working it out with the merchant in question. They refused. I spent countless hours dealing with my bank and they also acknowledged it was fraudulent and would not refund the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification on my Experian Credit Report on XX/XX/2018 that one of my creditors had decreased my limit on my XXXX 's credit card. I was not notified of this before the action took place. I had missed a payment by 8 days and paid it immediately when I found out that I had missed said payment. My payment was due on XX/XX/XXXX and was paid on XX/XX/XXXX. This is the first payment, in the 4 years that I have possessed this line of credit, that has been late. My available credit went from {$7400.00} down to {$3000.00} without any type of notification that my payment was missed or that they would be decreasing my credit limit. This was immediately put onto my credit report and shows now that my credit usage on this account is 97 % and dropped my credit score by 14 points.
Product: Checking or savings account

through my bill pay account I have XXXX TD Bank credit cards XXXX is XXXX, and the other is XXXX. 
XXXX different account numbers, I instructed to Pay the XXXX account they applied it to my XXXX account different account numbers. 
I call and asked to have it applied to the other account the request was denied and the bank agent was rude. 
I asked to reverse and send put the money back in my account so I could pay the right ac count. 
they will not do it
Product: Vehicle loan or lease

I want to file a formal compliant against ALLY FINANCIAL as they had reported me 30-59 days late for XX/XX/2017 when i was assured by their representatives that this would not happen. I had called their service number multiple time to inform them that my XX/XX/XXXX statement was missing and they had informed me that it was not an issue and I would not be charged any fees and a payment was processed and I was told I would be getting a new ones sent out. When the new one came I paid as I usually do and kept that process going as I always have until the car was paid in full. I am saddened and confused by why they reported me 30-59 days past due and caused my credit score to drop over 100 points! This is so horrible and not fair at all. I do not appreciate being lied to and I am a great customer. This account is closed and paid off an don one in customer serve is reliable or helpful to me in alleviating this issue. Please can someone investigate this and help me with the false late that is tarnishing my credit report?
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to express my continued frustration and disappointment with the persistent presence of fraudulent items on my credit report, despite multiple attempts on my part to rectify this situation. I have submitted multiple disputes, provided supporting documentation, and taken all necessary steps to address the fraudulent activities affecting my credit history. 

The fraudulent items in question have been a source of considerable distress and financial hardship. Despite my diligent efforts to follow your established dispute resolution process, I have not seen a satisfactory resolution to this matter. I have enclosed copies of my previous dispute letters, supporting documentation, and any relevant correspondence for your reference. 

I understand the importance of thorough investigations in cases of identity theft or fraud, and I appreciate the complexities involved. However, the prolonged existence of these fraudulent items on my credit report is adversely impacting my ability to secure credit, obtain favorable interest rates, and maintain financial stability. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I have a right to accurate and fair credit reporting. I urge you to conduct a comprehensive review of my case, expedite the investigation process, and take immediate action to remove the fraudulent items from my credit report. 

I kindly request regular updates on the progress of the investigation and prompt resolution of this matter. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateSep XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry dateJan XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquiry dateXXXX XXXX, XXXX Delete these unconfirmed inquires lacking certifiable evidence unless physically certified verified proof is demonstrated per US CODE 15 U.S.C . 1681 ET SEQ. Section 604 of Fair Credit Reporting Act. These inquiries were made without authorization and without legitimate business purposes. Remove Immediately off my credit report. 
Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Thank you, XXXX XXXX
Product: Checking or savings account

Iam writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized l was charged fees due to lagged posting of charges and credits this issue aligns with the recent CFPB finding against Navy Federal for similar practices.
Product: Mortgage

Freedom morgage bought my morgage XX/XX/XXXX and from second month they stared sending letter letters say I didn't pay my morgage payment Then six months later I started getting letters stating I was several months behind .i called and asked what months and then twice sent copies of front and back of canceled checks for those months and both times they said they didn't receive them after phone calls over several months of there personal just wanting to know when I was going to send payment XX/XX/XXXX I called and informed them I would be late on XX/XX/XXXX payment because of death in family and would pay extra each month to make it up.then I received five letters for five different single point of contact when I called was told they were no longer employed They started forclosure at end of XX/XX/XXXX I sent five copies documents for modification and they rejected all I've got canceled checks for several months they say never received Had a court date of XX/XX/XXXX and on XX/XX/XXXX received letter from there attorney canceling the motion and court date. On the XX/XX/XXXX I received lazier from master commissioner for sale date of my home motion was dated XX/XX/XXXX I was never informed of second court date or not e they started forclosure again. I have all bank statements and Morgage statements with other issues like missing funds from escrow I'm 100 % XXXX and a DAV and this home is all I have An you help
Product: Prepaid card

I purchased a {$100.00} XXXX Debit card issued by U.S. Bank National Association from XXXX XXXX XXXX on XX/XX/2023 pursuant to a license from XXXX USA for a gift. As soon as my mom tried to use it, it did not work. I called the number on the card, and the agent indicated that they de-activated the card AFTER I purchased it since their records showed someone else had tried to check the balance of those numbers in XXXX before I ever touched the card as it was in a rack in the store at that time and I was not there. Apparently thieves take large card numbers and keep checking them to see if they have been activated so that they can drain them after someone else purchases them, while the purchaser doesn't know they have the number. The agent at US Bank National Association they said all I could do was send my driver 's license and pictures of the card to a fax number XXXX XXXX XXXX. I asked to verify that fax number or if there was an email or if I could speak to a supervisor, but the two agents did not accommodate the request. I XXXX  that number, and many cases said that it was a scam. People have reported that the bank does that to get your personal information, and many people send that information and never get a new activated card. I have case numbers from my two calls to USB if needed. I asked if there was an email that I could send to verify that my information would be secure, and they said no. I really want my {$100.00} back! I called XXXX where I purchased it also, and they directed me back to the bank phone number on the card so I called the second time for the second case number that I can provide. If they can see that the card has been de-activated and no money has been used, why can't I just send them the card back with my mailing information or receive a digital card. Why do they need my government ID with no proof that they will protect my information? This is not my fault! I did nothing wrong. This should not be allowed as it has happened to many people.