23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I got a XXXX XXXX card in the mail, it had a offer in it to get {$300.00} or {$600.00} to open a new savings and or checking account, according to the branch the account was opened at.I went to the branch in person to open the account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I thought they would be able to do their own offer with out a issue. I opened a savings account, made the deposits as required and got nothing. I called XXXX on XX/XX/2022 XXXX XXXX  the customer service line transferred me to 3 people, the last lady a supervisor said their was nothing she could do, since the error happened in a branch, it needed to be taken care of in that same branch. XX/XX/2022 XXXX XXXX  XXXX XXXX XXXX upon contacting that branch, I spoke to a vary nice lady XXXX, who said she would contact the back end and get right back to me later that day, that was 5 days ago, I called 2 more times and left messages but she never returned my call. so now I will file a complaint with the cfpb, but have zero confidence in it being resolved at this point, so I am also planning on closing the account as well. I was planning on opening the checking account as well to get the other {$300.00}, but that is not going to happen, after they made a mess over trying to honor their own offer. this complaint is for https : //www.citizensbank.com/customer-service/contact-us.aspx
Product: Debt collection

A debt collector is attempting to collect an old debt, that is past the statute of limitations. This debt is no longer on my credit report and has been closed. The collector calling me is asking for personal information which I refuse to give. I called them back and asked for the name of the company and address, and they refused to give me that information. They have called me 4 times this week, twice from the phone number XXXX, and twice from a restricted number. I belive the message said they were from XXXX or XXXX, as they spoke very fast and unclear. The voice message said to contact XXXX tp verify information. I asked them to take my name off of their calling list and they said no, we do not have a calling list. I hung up as I could see the call was going no where and decided to report them instead.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account on my credit report Experian and XXXX from XXXX  XXXX XXXX XXXX that was settled in court. As part of the settlement this account was to be removed from my credit report. XXXX removed the account but Experian and XXXX will not. I realize this account has little impact on my credit score but it is the principle that counts to me. 

I worked for XXXX XXXX at the time and they filed bankruptcy and I had to take an {$8.00} an hour pay cut with zero notice. My car got repossessed, I almost lost my house and I had to sell many of my possessions to make ends meet. But I never filed bankruptcy, I paid all my Debts. Its been 12 years and it is still impacting my credit. 

Why is it that the people who filed bankruptcy or simply just walked away from their house have better credit than the people who weathered the storm and paid their bills. 

I ask that you please remove this Item from my Experian and XXXX credit report thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of certain items in my consumer report, which I believe were reported without my written consent. I am bringing this matter to your attention in accordance with the provisions of 15 USC 1681b, which safeguards the privacy of consumer information. 

I filed a report with the Federal Trade Commission ( FTC ) regarding the unauthorized reporting of my personal information, which I believe constitutes identity theft. I have been issued a reference number for this FTC report, which is [ XXXX ]. 

According to 15 USC 1681c-2, consumer reporting agencies are required to promptly block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from alleged identity theft. I kindly request that you adhere to this legal requirement and remove the following accounts from my consumer report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor multiple times in XXXX and now in XXXX to make them aware of the inaccurate information and advise them of what I noticed on my reports. I was able to get in contact with XXXX, XXXX, and XXXX to place a fraud alert on my credit report to be cautious. I have never had a contract with ERC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. ERC states that they have validated the debt, however, I never received a copy of the original creditors contract with my signature on it. I never had an account with XXXX and the debt is not my. This is fraud and against the law to keep this on my credit report. My credit report states that this was paid after the account was placed for collection - I have never paid an account with ERC/XXXX. This is negatively impacting my file. I have been disputing this for a while now and this has hindered my credit file tremendously.
Product: Mortgage

PHH Mortgage ( Based in NJ ) - I refinanced through XXXX XXXX XXXX late 2020, my mortgage was then sold to PHH mortgage. PHH requires signed " ammendments '' to be able to make online payments. I have sent these amendments multiple times ( signed and completed ) - if you do not sign them they require a XXXX XXXX XXXX or a check ( this isn't the 90 's, I don't have a check book or time in my day to figure out XXXX XXXX  ). I have sent the amendments 3 times this month and my account is not updated. They are now calling me saying I have late fees. They will not take payment over the phone and they will not update my file. I have spent hours on the phone with them and they will not fix it. This is a common issue with PHH ( read the reviews ). This is going to negatively affect my credit score. I am trying to pay but they simply will not let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I advised Nationwide Loan consultants I will no longer be working with them. XXXX XXXX XXXX  : XXXX XXXX O : XXXX. Confirmed correspondence. 


I then hear from XXXX XXXX | Application Specialist O : XXXX. Today XX/XX/XXXX. Same company advising they would be checking my credit periodically. I told them this was not authorized. 

I terminated my working relationship with this company because they wanted me to lie to a lender and say I was not working with them. I told him I didnt wan na do anything illegal and I reported them to the XXXX XXXX XXXX Now they are threatening to periodically pull my credit. I told them I would send it any authorization and they are not authorized to do this. Can somebody help me so that they can leave me alone. I requested multiple times that they stop contacting me.
Product: Mortgage

All was well until XXXX of this year. While preparing for the Hurricane " Dorian '' my family over extended our finances. Lost of work hours, and income did not help any either. 
Knowing this fact, we reached out to our mortgage company Carrington. As an afford to pay just the principal, and interest only this would have help us out tremendously as a temporarily relief.This would have help with keeping the account current per say, and no negative reporting would have been made to Credit bureau. However, after reaching out to Carrington, without taking anything into consideration, or hear our situation we were advised that there are no such options to pay Prin/Interest only. So now we are 4 payments behind. Once you fall behind everything snow ball quickly. We understand that this is our doing, and intend to bring the acct current again somehow. We do not wish to lose our home. What we don't understand is that we are facing Foreclosure after 4 months behind. How is this possible, when we were never offered any home retention options, or even paper work to inform us. 
I thought as a customer we would be provided some home retention option or some type of Loss mitigation, a solution to keep our home. 
After several contact from us to Carrington is when I ask them to open a review for a possible Modification. 
Why was early default intervention not provided by the mortgage service. 
Because of the lack of afford on the mortgage side for us to keep our home. 
It leads me to question, where there not any State laws and Mortgage regulation violated. 
Has Carrington ( BankUnity ) violation HUD default servicing laws I feel Carrington 's actions are NOT in any way compliant with State laws and Mortgage regulation. 

Why are there mortgage servicing company that allows payments to their principal/interest as a temporarily relief, and Carrington does not. All of this stress could have been avoided.My family could be enjoying our daily routine instead we are under pressure for the holidays all because we were advised we could not make any P/I payments. 

We are asking CFPB to look into Carrington as a whole to ensure operation are in compliance with all State Law, and Regulations. We truly feel violate, and unfair service has been demonstrated with our account, and family.
Product: Mortgage

Our mortgage was recently transferred to Newrez, LLC. They are authorized to take one mortgage payment per month from our checking account via XXXX, due on the XXXX of every month. Newrez took two mortgage payments out of our checking account for the month of XXXX - XXXX on XX/XX/year> and another on XX/XX/year>. They refunded the XX/XX/year> ACH payment on XX/XX/year> via an incoming wire transfer to our bank account, and we were charged a {$15.00} wire transfer fee by our bank, even though we did not initiate or authorize a wire transfer. I called our bank who said we would need to seek reimbursement from Newrez since Newrez initiated the wire transfer. I called Newrez on XX/XX/year> and was told that this had happened to numerous mortgagors and they would refund the wire transfer fee no later than XX/XX/year>. The {$15.00} fee was not refunded by XX/XX/year>, so I called XXXX again today, on XX/XX/year>. This time they said I needed to send proof of the {$15.00} wire transfer fee. Then the representative said never mind, she already had proof that we were charged a fee, and she said the issue has been resolved. When I asked how it was resolved, she said a refund has been approved but has not been issued. I asked when it will be issued, and she said she can not tell me when because the issue affected a lot of other people so it is going to take some time.
Product: Debt collection

CCS FINANCIAL SERVICES , INC has reported an account that I am unaware of. They said they have verified the account but have not provided any actual proof that the account is mine. Without proper documentation - the original signed agreement - the company is required to withdraw their reporting inaccuracy by law. 
I am a litigious citizen and will follow through with my complaint by taking whatever path is deemed necessary. If CCS financial can prove that the debt they are collecting is actually mine, by means of an original signed document, I have no problem making a settlement. 
I believe this account to be fraudulent and without proof ask for all credit blemishes to be removed.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an important issue that I have discovered on my credit report. Upon reviewing my credit report dated XX/XX/2024 I have identified the following information which I believe is incorrect : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Cellular This inaccurate information could have significant negative implications on my credit score and financial standing. As such, I consider this matter to be of the utmost urgency. 
I kindly request the prompt deletion of this inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information in my credit report that I consider to be inaccurate or incomplete, and have the right to request its immediate removal. 

To facilitate the resolution of this issue, I have provided my contact details below. I am hopeful for a swift response, and would appreciate it if you could notify me once the correction has been made. If further discussion is needed, I am available at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX Please note that if Credit Bureau fails to promptly correct the information as requested, I may consider taking further steps to ensure the accuracy of my credit report. I trust, however, that this matter will be resolved speedily and satisfactorily, without the need for such actions. 

Thank you for your attention to this matter and for your cooperation. 
Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 15 U.S.C 1681 section 602 A. States I have the right to privacy.

( AND ) 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

my rights were violated by the three bureaus by reporting these two accounts : XXXX ( Dismissed ) and XXXX ( Discharged ).
Product: Credit reporting or other personal consumer reports

I have tried three times to complete a credit freeze with XXXX after I was notified by two of my credit card companies that my SSN was found on the XXXX XXXX following the massive data breach. I attempted this twice over the phone, as advertised on their website, on XX/XX/year>, after successfully completing credit freezes with Experian and XXXX over the phone. After entering my zip code, the auto-generated response asked for it again, then glitched and said it could not complete my request, ending the phone call. I tried again on XX/XX/year>, and again the same thing happened. I tried to use the website which I was hesitant to do since I do not have a computer currently and need to use my phone. Again, after creating a login ( providing my contact information and address ) the website informed me it could not complete my request.I am currently abroad and do not have access to the documents needed to freeze my credit via mail. I successfully froze my credit with the other two companies, but less than 8 hours later, I received 12 spam calls in 10 hours, which is extremely unusual ( typically 1-3 per week ). While this could be a coincidence, I am worried that these companies are not securing my data effectively and that by attempting to protect my identity I have unwittingly made myself more vulnerable to identity fraud.
Product: Debt collection

On XXXX a firm called Lockhart Morris & Mo on XX/XX/XXXX filed a Derogatory remark that lowered my credit score on a medical bill Collections account that was incurred in mid XX/XX/XXXX at XXXX XXXX XXXX XXXX for {$1000.00}. This account is not eligible for such a negative impact status since it is now near to 7 years of age old. XXXX link from consumerfinance.gov in order to Dispute with XXXX are broken as of XX/XX/XXXX. Also the Dispute Claim link from their website ( after member registration and Terms Agreement and then Login ) did not respond as of XX/XX/XXXX either. Today, XX/XX/XXXX member login attempts at XXXX does not even offer slots of Name or Password to fill in. When clicking the XXXX link ( XXXX XXXX XXXX XXXX XXXX ), it simply reads ... 
" The requested URL was rejected. Please consult with your administrator. 

Your support ID is : XXXX [ Go Back ] ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX, Equifax XXXX XXXX, I am writing to request the removal and deletion of hard inquiries from XXXX XXXX XXXXXXXX XXXX credit report. The inquiries that need to be removed are as follows : - An inquiry from XXXX XXXX XX/XX/XXXX 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  I am making this request under the following laws : SECTION 604 15 U.S. CODE 1681B Permissible purposes of consumer reports. This law states that consumer reporting agencies may furnish consumer reports only for certain purposes, including credit transactions, employment purposes, and insurance underwriting.

SECTION 605 A 15 U.S. CODE 1681C-1 Disclosure of investigative consumer reports. This law requires consumer reporting agencies to disclose to a consumer if an investigative consumer report was obtained for employment purposes.

SECTION 605 B 15 U.S. CODE 1681C-2 Block of information resulting from identity theft. This law requires consumer reporting agencies to block any information in a consumer report that results from identity theft.I believe that the above-mentioned inquiries do not fall under any of the permissible purposes of consumer reports. Therefore, I request that these inquiries be removed and deleted from my credit report. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent a certified letter to Transunion via XXXX ( Tracking # XXXX ). The letter was received on XX/XX/2023 per XXXX. The letter is attached. In the letter, I inquired about unauthorized hard inquiries to my report. The letter included all of my identifying information, as well as the specific hard inquiries in question. The letter cited section 609 of the Fair Credit Reporting Act, requesting all documentation and information in my file of the time of the request and the source of the information around the inquiries I asked about. The inquiries do not have permissible purpose, nor did I authorize the inquiries. 
Additionally, the letter requested that, if TransUnion was unable to provide the documentation regarding the inquiries, TransUnion should remove the inquiries from my report. 
On XX/XX/2023, TransUnion sent a letter back that stated " An inquiry is posted on your TransUnion credit report to notify you that a company has received your credit information from TransUnion. Companies can only obtain such a credit report for a legitimate reason ( referred to as a " permissible purpose '' ) ... If you have specific information that the inquiry ... does not relate to you, you can also call us at XXXX. '' This letter did not contain any accompanying information regarding the specific inquiries as requested.
Product: Credit reporting or other personal consumer reports

TRANSUNION is reporting a bankruptcy on my credit report.. I DO NOT HAVE ANY BANKRUPTCY ACCOUNTS or a Bankruptcy. this is being reported fraudulent on my credit report. Transunion responded that the bankruptcy was verified. please tell me how a fraudulent information is verified, with who. and when. and how Pursuant to 15USC1681b, I am demanding to see in writing where I gave written instruction or permission to report this erroneous information on my Consumer Report. 
A consumer reporting agency may furnish a consumer report under the following circumstances and no other with the written instruction to whom it relates. 
You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. 
All of these violations are a direct violation of 15USC1681. No consent is identity theft and these violations are Aggravated Identity theft, pursuant to 18USC1028b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed and used, without lawful authority, a means of identification of me, which is a felony punishable up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT AND REQUES.