23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2000.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

A Truist Bank official check was sent to me payable to the Estate of XXXX XXXX. I took the check to the XXXX XXXX  XXXX and they issued a Final Order to pay over to XXXX XXXX XXXX Personal Representative ( documents will be attached ). On XX/XX/2023 I went to the Truist Bank XXXX XXXX XXXX XXXX in XXXX XXXX. The representative told me a manager was not there so she called a manager at the XXXX XXXX XXXX which told her she could not do what the Final Order instructed. She emailed the legal department and she told me they said it could not be done. I understand with our large banks this is happening. I'm a XXXX XXXX XXXX XXXX XXXX  and go back and forth with our XXXX services department with these XXXX XXXX XXXX  XXXX orders because the associates are not comprehending. 
Our interstate banks have to abide by the court orders of each jurisdiction they operate in. Please see attached documents. Thanks
Product: Credit reporting or other personal consumer reports

Under Article 9 of the Uniform Commercial Code ; depts from a debtor to a creditor must have XXXX XXXX  This is proof there are no statutory liens or depts in my name. This is a clear violation of my rights. XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.
Product: Credit reporting or other personal consumer reports

The reporting of the late payments from account XXXX ACCT # XXXX Is affecting me by reporting negatively on my consumer report and disallowing me the ability to use my positive history to obtain stability. The PAYMENTS ON THIS ACCOUNT WERE NEVER LATE! AS ITS ILLEGAL TO REPORT ANY TIMIMG OF PAYMENTS THAT INCURRING ON FINANCE CHARGES. So now it's in VIOLATION OF MY CONSUMER RIGHTS UNDER 15 U.S.C 1666b. 
Which also allowed the credit agencies XXXX XXXX, XXXX, AND EQUIFAX TO COMPROMISE MY IDENITITY. I DID NOT UNDER ANY CIRCUMSTANCE GIVE MY PERMISSION FOR THIS ACCOUNT TO BE FURNISHED ON MY CONSUMER REPORT IN THIS MANNER!! WHICH IS ALSO A VIOLATION OF MY RIGHTS UNDER 15 U.S.C. 1681c2.

I WILL PURSUE THE FULL LENGTHS OFTHE LAW UNDER 15 U.S.C.1611 FOR WILLINGLY AND KNOWING VOLATING THE LAW!
Product: Credit reporting or other personal consumer reports

In 2017 my XXXX XXXX XXXXXXXX credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. XXXX XXXX XXXXXXXX keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by XXXX XXXX  XXXX to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. 
I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.
Product: Money transfer, virtual currency, or money service

Very confusing they take money and give money at same time .it 's scamming us! Tell customer to be careful and watch closely
Product: Credit reporting or other personal consumer reports

Im reaching out because Ive discovered multiple errors on my credit report that need to be corrected immediately. I strongly believe these inaccuracies may have resulted from a data breach, and they are unfairly affecting my financial situation. Here are the items in question : Employers : XXXX XXXX XXXX : XXXX XXXX Despite my repeated effortssubmitting disputes, providing documentation, and following upnothing has been done to resolve these issues. Its incredibly frustrating to keep dealing with the same errors, and its taking a toll on my financial well-being. 

As a consumer, I have a legal right under the Fair Credit Reporting Act ( FCRA ) to an accurate credit report. Im requesting that you promptly verify and correct these inaccuracies. If they can not be verified, they must be removed in compliance with federal law. I appreciate your immediate attention to this matter.
Product: Mortgage

To whom it may concern On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX transferred my mortgage to Citimortgage Inc as per letter XX/XX/XXXX from citimortgage. 
On XX/XX/XXXX I pay off above mentioned mortgage account # XXXX for coop at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. 
Prior to selling my XXXX , on XX/XX/XXXX I emailed request for stock certificate to XXXX. It took me 3 months to get an answer from company. I sent multiple emails and made calls to citi bank customer service and finally on XX/XX/XXXX I got response from lien department. It stated : " The original stock certificate and proprietary release would have been returned to you following the loan pay off in XXXX. We have conducted a thorough search of our records but due to the age of the account pay off we are no longer able to provide copies of that mailing ". 
To receive a new stock certificate for closing on XXXX XXXX had to pay {$600.00}. Citimortgage lost my stock certificate or perhaps even never got it from New York mortgage company during transfer of my loan XXXX XXXX mortgage company got it during purchasing of coop as they were my primary loan company. But I'm not responsible for proper transferring all documents between 2 loan companies because I didn't even initiate that transfer. Citimortgage didn't have any proof of mailing this document to me. I didn't receive document either. I kept all documents and letters related to my mortgage from start in XXXX to the end in XXXX but there is no stock certificate or letter that mentioned about mailing me stock certificate. 
I tried to resolve this issue with Citibank in person with branch manager XXXX XXXX XXXX, branch address : XXXX XXXX XXXX XXXX XXXX NY XXXX but after a while of his attempts to help me, he received the same answer as email I got on XX/XX/XXXX that certificate was sent to me but no record of it found. 
I would like to get a compensatory refund of {$600.00}, money I had to spend out of my pocket for document lost by mortgage company.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments : Account Name : XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX I remember paying this account on time. I am not sure how I was late in XXXX, XXXX, and XX/XX/XXXX, it didn't even match the creditor 's records. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XXXX, XXXX, XX/XX/XXXX I do not recall being late in those months. This was paid on time, I am not sure how the credit bureaus do their investigation but I've disputed this account a couple of rounds of letters now and the bureaus are still not updating the reporting of this account. 



Account Name : XXXX XXXX Account Number : XXXX Dates of late : XXXX, XX/XX/XXXX I do not recall being late in XXXX and XX/XX/XXXX. My statements could have been delayed during these months, but this has always been paid on time. 


Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXX Dates of late : XX/XX/XXXX and XX/XX/XXXX I was not late in those months. I have paid this on time.. This needs to be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$870.00} ; XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have repeatedly requested Equifax to remove fraudulent activity from my credit profile. They respond by telling me i should contact the company that requested it. they cant help me. its a circle
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. i did not provide written permission for the identied transaction to be reported on my consumer report. i am demanding that the information be locked and deleted. my request to block is not being made in error, nor is my request to block the identied transactions as information related to any transaction by XX/XX/XXXX
Product: Credit card or prepaid card

This is a XXXX XXXX credit card service provider. XXXX XXXX and XXXX XXXX XXXX XXXX both promote 0 % interest for 12 months on purchases over a certain amount. I qualified for this 12 percent interest. The only reason I applied for the credit card was because of the 0 % interest for 12 months but somehow I am still being charged the highest interest rate at 26.99 %. I called customer service for both XXXX and XXXX and could not get this resolved.
Product: Debt collection

I recently applied for a car loan and discovered IC Systems place a delinquent debt on my credit report. I was never notified of any such debt. I didn't even even have a chance to have them validate the debt. They need to remove this from my credit report and then notify me by mail at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OH XXXX. Then we can proceed from there.
Product: Credit reporting or other personal consumer reports

I received notice on XX/XX/scrub>XXXX XXXX  that someone tried to open up a credit card in my name and social security, which caused an alert of an inquiry on my credit report. 
They first tried on XX/XX/scrub>XXXX XXXX 
I have a credit score of XXXX plus and this has dropped my credit score. 
Please delete the inquiries ASAP.
Product: Mortgage

this lady XXXX XXXX XXXX ; They are giving out fraudulent documents where I never gave them any paperwork. They are trying to follow the same process to foreclose on my home loan and I never spoken to this lady XXXX XXXX XXXX nor did she show up for the first appointment and I ended up speaking to an in placement case manager by the name who is XXXX XXXX who was very helpful and answered all my questions ask and was insightful I feel comfortable speaking to her. MS XXXX XXXX XXXX was late for the second appointment she call back but by that time I had to leave. It seems like a setup and they are a fraudulent company where this lady left a very squeaky message hard to understand as well understood and not good for me and to speak too. They Are seems to be doing the same thing as Ocwen mortgage did. After I sent them an email as requested to change my relationship manager they refused to. You can tell by the transfer that the investors never review the loans they bought them in bulk fraudulently. They did not check to qualify the loans for transfer. 
I have been " impacted by the coronavirus covid 19 '' / pandemic-related financial hardship. Also, " NOTED '' it does not matter the status of the loan. current, delinquent or foreclosure status or to file bankruptcy XXXX! I ask for my loan to be place under the Protection of the " cares Act ''. I have included my letter sent to Phh Mortgage and the letter of response that they receive it on XX/XX/2021. For I spoke to a XXXX at XXXX mortgage and had a very lengthy conversation and he stated to me that he was going to send a email to the other department concerning my complaint and have someone reach out to me concerning my concerning my complaining to change relation manager and who ever is reading these emails seems like they are looking for certain customers to call and give them a series of excuses as not to help fix or change the status of certain loan for i find that very very rude by the constant rejection to whatever i ask for they just send out rapidly to me please fix this whole situation please. etc etc etc etc!
Product: Debt collection

I got a {$1500.00} debt notice from a bank Regional Finance who I never did business with in the first place.
Product: Money transfer, virtual currency, or money service

I have set up an account on Coinbase and used it to sell Ether coins for a value of {$5000.00}. My phone later stopped working, which lost me access to my account, as I had been using 2-Factor Authentication through a secure app. 

As it happens, I live in a different country than the one who issued my ID. This is one of the use cases for which Coinbase does n't offer a way to regain access to your account, as described here. https : //support.coinbase.comXXXX The customer support has not been responding to any of my emails since then, for a month now. My account is still unaccessible and my funds are locked away. I am now demanding access to my account or full transfer of the funds to my bank account.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX Upstart : Account # XXXXXXXX XXXX XXXX : Account # XXXX XXXX  : Account # : XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX BALANCED {$0.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX BALANCED {$1900.00} XXXX XXXX XXXXXXXX BALANCED {$560.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

CFPB XXXX Complaint in response to Carrington Mortgage Services response to complaint dated XX/XX/XXXX, and supplement response by CMS dated XX/XX/XXXX, sent by XXXX to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX, Consumer Advaocate at CMS. 

Re : Loan # XXXX Case # XXXX Borrower : XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX To Whom It XXXX Concern at CFPB, I am filing a third complaint against Carrington Mortgage Services because of the response sent by XXXX XXXX to my lawyer and the CFPB being in a manner that is inconsistent with the truth and facts that are provable with evidence. The response from CMS is so disturbing to me that I feel it necessary to address each area of concern separately, so it is given the attention to detail needed in the matter. 

This complaint concerns the XXXX HUD loan that was modified into a regular FHA mortgage in XXXX of XXXX. My original mortgage was with XXXX  XXXX XXXX, and my loan closed in XXXX of XXXX. My loan was sold to Carrington Mortgage Services, who subsequently sold it to XXXX  XXXX, who uses Carrington Mortgage Services as its mortgage servicer. 

After my modification was recorded in XX/XX/XXXX, I have made regular monthly payments on time. Suddenly, after filing a complaint against Carrington Mortgage Services with the CFPB about incorrect credit reporting, my XX/XX/XXXX payment was returned to my bank account electronically after they held on to it for 11 days. I immediately sent the payment out again. Carrington Mortgage Services just returned my XX/XX/XXXX payment for a second time. 

I am deeply disturbed and concerned about this uncharacteristic mortgage servicing behavior. I believe Carrington is trying to make me miss a monthly payment on my modification so they can state that I violated the terms of the modification within the first year so they can proceed with either the acceleration clause or start pre- foreclosure processes. 

I have contacted my lawyer that handled my civil suit against the XXXX contractor to ask for a referral in this situation. I have also reached out to the HUD counselor I worked with, XXXX XXXX XXXX that helped me with the modification process, the HAF application and NJERMA. 

I am very concerned that Carrington Mortgage Services will send out a work order to a subcontractor to break into my home and change the locks again while I am at work. I have prevented this from happening the last five months on four different occasions since my modification was recorded in XX/XX/XXXX. I have each subcontractor on video, which is dated, and time stamped. 

I am at a loss as to how to notify XXXX  XXXX and make them aware of what their mortgage servicer is doing to their customers without their knowledge. I will be reaching out to a basic customer service banking line to try and get through to their mortgage department on Monday. The Dept of HUD needs to be made aware of the actions of this company as well. I would appreciate any and all help or guidance this bureau can provide me in this very serious matter. 

Best Regards, XXXX XXXX
Product: Credit card or prepaid card

First National Bank of Omaha ( XXXX ) has a BP credit card ( XXXX XXXX ), that my parents have been a member of for the better part of XXXX  years. 

I applied for my own card XXXX months ago and was approved and used the card for that amount of time. A hold was placed on my account, I called and they claimed that they randomly choose accounts to put a hold on and have an employee review them, then take them off after. I asked to have the hold removed and they said they could not move any faster than whoever was tasked to reviewing my account. 

XXXX weeks went by and my card was still on hold, they never emailed me, messaged me, or contacted me at any point about the hold, I had to call them. 

They then mailed me a letter saying my account is closed because of unnecessary risk and exposure to the bank. I have never missed a payment, always paid the entire balance weeks before the due date. This is unacceptable and terrible business operations, my credit score will take a hit as a closed account will be reported, I need answers as they claim they can not re-open the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, XXXX XXXXG account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX BANK account # XXXX, and XXXX XXXX XXXX XXXX  account # XXXX, BXXXX  OF XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account XXXX XXXX. XXXX XXXX account # XXXX, TXXXX XXXX XXXXXXXX XXXX account # XXXX, XXXXT account # XXXX XXXX and XXXX XXXX XXXX XXXX  account # XXXX XXXX have violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy. 

15 U.S.C. 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States 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 furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submit proof of investigation according to FCRA chex systems did not provide need to delete information on credit report.
Product: Credit reporting or other personal consumer reports

I woke up to find mistakes on my credit report, and I cant figure out why this is happening. I always review my credit report regularly, and its been accurate until now. These discrepancies appeared out of nowhere. I even refreshed the page, hoping it was a mistake in the system, but nothing changed. Please, I need the documents Ive sent to be examined thoroughly so I can put this nightmare behind me.