23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hi, I filed this complaint because I don't want carrington mortgage services llc to change the loan contract. On XX/XX/XXXX I received a letter from Carrington mortgage services, L.L.C. ( Disclosure statement annual disclosure notice to mortgagor ) copy attached.On the letter says the amount reflected below is the outstanding on the loan for prepayment, also says that amount is subject to further accounting adjustments, and I don't know what they talking about further accounting adjustment, the loan contract is very clear, copy attached, and carrington can not, should not change what the loan contract says and can NOT breach the contract .XXXX  XXXX XXXX XXXX  , XXXX. signed on the year XX/XX/XXXX, then XXXX transfer the loan to carrington, .The letter also include the annual disclosure for FHA/MIP cancellation  notice to mortgagor.This is not the first time I file a complain against carrington , because or they try to breach the contract and change it to their own rules or try to increase the mortgage payments for not reason.If somebody ask me to recomend this company, I will say NO, this company doesn't even deserve one star. 
Also I'm enrolled in another program at XXXX County, that if I live 5 years in the house and no missing any payments, I got a credit, but this program doesn't have anything with carrington and I don't want them to mees with it. 
What I want CFPB to do? : Look and read the XXXX contract and carrington letter, and look if carrington is trying to change the loan contract or breach the contract.., also if carrington doesn't have copy of the XXXX bank contract, they can see it on the complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Need to delete Inq : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the following accounts as they were opened without my knowledge, consent or authority. I contacted the companies and they said to file the FTC affidavit. Please dspute the following accounts. They were opened wihtout my knowlege, authority or consent. 

DEPT OF EDUCATIONXXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

Recieved letter in mail on debt. I pay my bills! XXXX crefit score over 50 years. Talked to lady said that was paid two years ago and not my debt. Insurance handled. She got mad hung up. Two days later showex as collection on my credit report. Malicious and illeagal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN REVIEWING MY CREDIT FILE AND HAD NOTICE SOME ERRORS AND FRAUDULENT ADDRESSES. THE FOLLOWING ADDRESSES ARE NOT MINE. PLEASE REMOVE THE FOLLOWING ADDRESSES THEY ARE INACCURATE : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX THESE NUMBER LISTED BELOW DO NOT BELONG TO ME. PLEASE REMOVE FROM MY CREDIT FILE. : { 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: Vehicle loan or lease

I've contact the westlake financial when I discovery someone else used my information to get a loan, they make a late payment and my credit report was coming down, I had so many phone calls also I sent an email requesting an evidence about that transaction, nobody answer my email, just today XXXX someone else contact me since XXXX
Product: Student loan

MOHELA/DEPT OF ED has 6 accounts currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputationMOHELA/DEPT OF ED The account is as follows : Acct XXXX 6 times
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). The negative items on my credit report have had a detrimental impact on my credit score, making it difficult for me to obtain credit and loans. 

My name is XXXX XXXX, and the following are the details of the negative items on my credit report : XXXX  Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent, I want it removed from my credit report immediately. 

XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX  Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely. 

XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

XXXX XXXX XXXX XXXX XXXX. 
Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away. 

Under the FCRA, you are required to investigate my dispute within 30 days of receipt of my request. I am requesting that you promptly investigate and take appropriate action to correct or remove any inaccurate or incomplete information from my credit report. 

Thank you for your attention to this matter. 

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

THIS IS NOT A DUPLICATE REPORT It contains items submitted today to government entities that Trans Union will not address and accept. 

Trans Union REFUSES to remove hard inquires from my report that are fraudulent. I did not apply for a XXXX at any time, and two accounts listed ( XXXX XXXX XXXX XXXX XXXX ) still remain. The other agencies have removed these. 

I was denied housing, one of the reasons was THESE HARD INQUIRIES as stated on the adverse action. 

ANOTHER was the fact that they continue to list the last fraudulent account out of 25 or more that were made while I was medically incapacitated and LEGALLY unable to make decisions for myself or take out loans etc. 

This was done DIGITALLY and since the person had access to ALL of my personal information and bank account, I had no idea it was done, had been done, or received any monies from the transaction or goods - or could have know of their existence. 

These items need REMOVED. 

XXXX is also reporting the XXXX XXXX account and refuses to remove it. 

XXXX refuses to remove two items, including a XXXX account and the above mentioned XXXX XXXX account. The XXXX account was taken out during the same time frame in XXXX, but as many others did my LEGAL NAME was not used when opening it. I have asked for a SIGNED copy of the report, but it does not exist. The vendor stated " it was digitally signed. '' This fact made it EASY for someone to open this and over 25 otrher accunts as all they needed was my information and bank account info. NO attempt was made to contact me to verfy, or ANY other type of verification. This behavior is and continues to be reckless, and the company has nothing to lose as it then harasses vicitms to repay the monies taken out illegally, compounding the problem with PREDATORY behavior. In their own words ( and XXXX XXXX SAID THE SAME ) " we don't care who pays it someone will - whether they took out the loan or not. '' They are revictimizing people with this behavior. 

FURTHER, the XXXX account was opened with a false name I do not use, and had charges made XXXX miles from where I live in a short period then apparently thrown away. 

I have attached all the needed documents to do remove these and identify me. 

I AM NOT MAKING THIS DISPUTE IN ERROR. 
I AM NOT MISREPRESNTING FACTS. My XXXX through XXXX and the documented reports from LAW ENFORCEMENT ( APS ) verify both the injuries, circumstances, and the crimes committed against me. 
I HAVE NOT RECEIVCED GOOD OR SERVICES AND AS A REULT OF MY DISABLING INJURY COULD NOT HAVE BEEN AWARE OF ANY GOODS, MONIES OR SERVICES RECEIVED. 

The agencies CONTINUE to send CANNED responses simply stating I did one of the above. 

IT IS NOT THE CASE. 

I HAVE SUBMITTED FTC ( newly filed today ), CFPB ( NEWLY FILED TODAY ), XXXX, and LAW ENFORCEMENT ( APS ) files to the agencies. XXXX IS A LAW ENFORCEMENT AGENCY AND HANDLES VULNERABLE ADULTS LIKE MYSELF.
Product: Credit card or prepaid card

XX/XX/2023 {$5900.00} I was traveling in XXXX at this time and someone stole my wallet and my phone. 
I reported to the police and they called me in that they found my phone. Then I checked my phone and realized that they used my card and my phone to make a purchase via XXXX XXXX 
I called the Discover bank to let them know what happened and they started investigating On XX/XX/2023 I called in to check the status regarding the fraud that occurred amd they told me that it was denied. 
I told them that I didn't have the phone with me when the purchase were made with my phone. 
And they started re investigating. 
On XX/XX/2023 I called again for an update and thay explained that the dispute was denied due to the purchase being via XXXX XXXX and the Discover app was opened. 
I again explained that that is not possible because I didn't have it with me when it happened. But they said that they only do 2 investigation and once it's denied it can not be opened again unless there's any supported documents. 
On XX/XX/2023 I sent the police report that I filed which in XXXX with the translation. 
However not surevif the claim will be reopened so I wanted to do anything to solve it.
Product: Debt collection

I spoke with the collector agency and they said that they have already reported to the credit burue about this issue in my credit report and they are the ones that are not removing this from my credit
Product: Bank account or service

On XXXX XXXX, 2016, I went into my Chase Branch on XXXX XXXX XXXX in XXXX to deposit cash to my account via the ATM. The ATM rejected the deposit stating that this was not an allowed transaction. Thinking something was wrong with the ATm, I went in to make the depoait at the XXXX. The teller prepared the documents for deposit and then told me that the account was restricted and I needed to speak with the Officer on the floor. I went to speak with XXXX, the Officer on the floor that day and he looked up the account and verified that this was the case. He asked me to get ID and then he called the XXXX # on the screen and they proceeded to tell him that they could not advise him why nor could they tell me the reason but that I should wait for a letter. The letter never came that explained why they restricted my account, no advice prior, no notice and I had outstanding transactions against the account. XXXX verified that I could remove the funds that were in my account, which I did, and then I paid my rent by depositing cash to my landlords account instead of Chase pay like I normally do. In the interim I also had XXXX other bills that I paid via debit card and there was funds to cover ALL transactions with the deposit that I was making that day. Instead, they cleared the outstanding transactions the next day with no funds in my account and had the audacity to then charged me an overdraft fee too. They the closed my account on XXXX XXXX and sent me a letter stating that the account was closed due to an overdraft situation, which never would of occurred had they not forced me to remove my funds due to the unknown restriction on my account. Furthermore, prior to my going to the bank that afternoon I would not have known that this was the status of my account. I want to know the reason WHY????? the account was restricted, which was the status on XXXX/XXXX/2016. Not the reason that they put on the letter because that was an after fact - dated XXXX/XXXX/2016 after they made the mess that I am now in. They then turned the account to collection immediately after this all happened without any explanations. I want the negative reporting removed from my account as they did not even give a chance for any restitution but took adverse action to cover their mistake and lack of reporting.
Product: Debt collection

I am unaware of the debit made to my credit and i am receiving abrupt phone calls and text messages. the name of the debit collector is SUNRISE CREDIT SERVICES, XXXX XXXX for {$2600.00}. I would like to have this removed from my credit.
Product: Credit reporting or other personal consumer reports

CONSUMER ADJ CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX Has reported a collection action to the CRA 's. The company referenced above has never contacted me via phone or mail to allow the opportunity to rebutt. 

When challenged with XXXX, XXXX has reported that the debt was verified by the company. 

This violates several consumer protection acts and I demand the entry be removed from my credit reports immediately.
Product: Checking or savings account

XX/XX/XXXXBank of America has overdrawn my checking/savings for {$800000.00} Made call to bank was told to go to bank. Bank closest to my home is closed from pandemic. For health reasons I can not travel further away.
Product: Mortgage

I was told I needed {$2200.00} for my down payment/reserves. Now they have changed it AGAIN and are now requesting {$3000.00}. This company keeps changing how much I need. And have done so multiple times. My original amount included my homeowners insurance and now they are jacking up how much they need. This is like the 4th or 5th change in how much I need to close. I am supposed to close on the XX/XX/XXXX and now because they are pushing for more money, I will not be able to close in time. I have the XXXX. Because that 's what I was told I needed. Im seriously getting sick and tired if being XXXX around. I have reported this company to the FTC. And will continue to file complaints because what this company does to clients is absolute garbage.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  -- LATE PAYMENT REPORTED dating back further than XXXX  years XXXX XXXX  -- -Late payments reported dating back further than XXXX years XXXX XXXX XXXX Late payments reported dating back further than XXXX years reported to XXXX XXXX and Experian to correct -- deletion of late payment history
Product: Credit card

I noticed that there was a credit report on my chase account this XXXX. It came from XXXX for a balance of {$700.00}. I have never used XXXX in my life. I contacted the lender and they mentioned an email address that never belonged to me. The report was ran today. They placed my account on alert and will go ahead and dispute this report but I will need to provide information.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH I, XXXX XXXX, being duly sworn, do hereby make this affidavit and state as follows : Introduction : I am a resident of [ Your Address ], in XXXX XXXX of [ XXXX XXXX ], and I am of legal age to make this affidavit. This affidavit is made based on my personal knowledge and belief regarding the violations of 18 U.S.C. 1028A ( Aggravated Identity Theft ) that have occurred in relation to my personal information.

Violations of Law : I hereby declare that I have been a victim of aggravated identity theft as defined under 18 U.S.C. 1028A. Specifically, [ describe the nature of the identity theft, how it has occurred, and any relevant details that demonstrate the misuse of your identity ].

Request for Action : I am formally requesting the removal of any fraudulent accounts associated with my name and Social Security number that have been opened without my consent. This includes, but is not limited to, [ list any specific accounts or creditors ].

IRS Fraud : Furthermore, I am demanding the issuance of a 1099-C form related to any fraudulent income reported to the IRS in connection with this identity theft. I will not tolerate any further fraudulent claims against my name. 
Racketeering Charges : I assert that the actions taken against me constitute a pattern of racketeering activity as defined by federal law. I will take all necessary steps to enforce appropriate racketeering charges against those responsible for this identity theft and related fraud.

Final Notice : This document serves as your final notice to rectify this situation. I demand immediate action to remove the fraudulent account and all associated claims. Failure to comply will result in my pursuing all legal remedies available to me, including, but not limited to, civil litigation and criminal charges. 
Affirmation : I affirm that the statements made herein are true and correct to the best of my knowledge and belief. 
Dated this XXXX, XXXX, XXXX. 
XXXX XXXX XXXX
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have a loan with BMW FIN SVC. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments were posted but no successful resolution. There was definitely an error on their part. Please report the payment status positive and update all late from reporting on this account.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 with a balance of {$16000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I have filed several disputes with all XXXX credit bureaus and each XXXX is still reporting XXXX XXXX incorrectly on my credit report. This bill was paid off XX/XX/XXXX. Each credit bureau which includes : Equifax, XXXX and XXXX are still reporting delinquency as of XX/XX/XXXX.
Product: Debt collection

XXXX failed to go through. Since the company Affirm has been calling my phone nonstop 3 times daily.
Product: Mortgage

Wells Fargo Mortgage Has yet to provide me proof to the on going issues with California All purpose Certificate of acknowledgment. It seems I ask for one thing to be answered and they send documents or some solution that has nothing to do with the issue of a Forged Document that makes the loan legally binding by the instrument to the Deed of Trust. 

I have requested to why some one forged my name or said I appeared before them when I did not nor had any knowledge of the document. I was never informed nor sign nor agreed for Wells Fargo Mortgage/ Notary to act on my behalf to power of attorney or correcting any documents. 

Notary can not notarize His/her own witness signature to execution of documents require both signer and witness personally appeared before the notary where the document is to be sign. 

Signer must be physically present face to face. I did not appear nor sign a California All Purpose Certificate of Acknowledgment as it states on the document. 

Wells Fargo Mortgage not ever informed me to no such document nor did they ever present it to me. If so why would the notary sign as me and say I appeared before her. 

Wells Fargo Mortgage/Notary took it on there behalf to act on my part to make the Instrument being the deed of trust a legal binding contract with out my permission and nor did I give any anyone power of attorney to correct or act for me with out informing me to making the loan legal. 

Wells Fargo Mortgage solutions department does not address this direct issue and there is nothing discuss to the matter of this when requested. It is always the run around to the issue at hand to the document to make the instrument/Deed of trust a legal binding contract The lady name XXXX never address the issue at hand its always the run around with the problem to one fact not a bunch of botch up documents that has nothing to do with the issue at hand. 

Nothing has been solved nor agreed upon by me with with Wells Fargo Mortgage XXXXommitting FRAUD FRAUD I 'm very aware of Wells Fargo Mortgage committing fraud threw out there loan documents and other various practices that Wells Fargo Mortgage does not want to address the issue.

Document is attach that is the issue with no explanation by Wells Fargo Mortgage