23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was sold to Carrington MS LLC by XXXX. Issues from day 1, including no notice from them that they 'd purchased my loan. They made making payments difficult and basically forced me into missing a payment, the 1st and only payment that was ever missed in 7 years. Last year they sent me a letter falsely attempting to say I was required to get PMI. When I called they said it was a standard letter sent to all customers ; the letter said it was required due to loan type, it was not an informational letter. It took me 2 separate calls to get someone to send me a letter stating that I, in fact, did not need PMI. My concern now is that they are withholding my money. My home was sold in XX/XX/XXXX and the mortgage therefore paid off. I had to make somewhere between 5-10 calls over the course of 2 months to them in order to get a refund of my escrow, each time getting a different excuse as to why I had n't received the check and that they could n't tell me what the escrow amount was. When the check finally came, it included no information related to how the escrow amount was reached. I was told last month that the refund for my final mortgage payment ( XX/XX/XXXX ) was mailed to me on XXXX XXXX. I was told I 'd get a separate check for mortgage payment refund by XXXX separate agents, but told they could n't provide the exact number. I called today and was told that the check I received for the escrow refund included the final mortgage payment as well. The agent told me the amount of the check I received for the escrow refund. I asked for a breakdown of the escrow check, he said he would mail it. I asked that he tell me, to which he said he could n't discuss numbers over the phone. Even though he 'd just given me a number. In any case, the escrow refund is only for the amount I had in escrow, it does not include any additional monies as he tried to state. I asked my I was told by XXXX other agents on 2 other calls that I would be getting a refund for the final mortgage payment. He said they were incorrect. He all but refused to transfer me to a supervisor, then finally sent me to a general voicemail. It has been over 3 months since they were paid off for the loan. They are withholding monies that do not belong to them. I can not see where I have any recourse and do n't know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are five accounts on my credit report that are not mine I have gone thru this with XXXX XXXX XXXX  but they are still reporting these fraudulent accounts and I have opened an ftc I have called and been disputing this since XXXX XXXX XXXX I need these accounts off my report because they don't belong to me. 

XXXX XXXX XXXX - XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  - XXXX Inquiries XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I got denied a credit from ally for a car loan. Their letter states they used XXXX XXXX. 
As the letter writes, I called to obtain my credit report from them. When I called no one picked up the phone and was instructed to request my report online on their website. When on the website, I was told to call instead. I called again trying to speak to a representative but you can only leave messages on a voicemail.
Product: Debt collection

I was contacted today ( XXXX/XXXX/15 ) by a representative from National Enterprise Systems trying to collect on a payday loan which is likely past the statute of limitations and illegally issued. Legal action and arrest were threatened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was removed as an authorized user account has since been closed. Ive contacted both transunion and XXXX and the bad information is still on my profile. Id like the account reported as closed and removed as it is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

There was fraudulent activity ( of only {$9.00} ) in my XXXX XXXX account resulting in delinquency which significantly impacted my credit since earlier this year ( XX/XX/2023 ). I wasn't aware of this at first since I haven't used this card in years, let alone haven't banked with XXXX XXXX after switching banks, and also was distracted by personal matters like being laid off and in the middle of moving. I contacted XXXX XXXX and they've acknowledged this as a fraud, credited the account and closed it, and then instructed me to dispute this to TransUnion. After disputing about three times to TransUnion with unsatisfying results, they told me to report this fraud via FTC/CFPB and spare 7 business days to hear back from TransUnion. The TransUnion file number for the dispute results is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In summary, I need to know why my credit score dropped 78 points overnight. It was XXXX yesterday and it is now XXXX. 

I am a XXXX year old XXXX who is living with XXXX XXXX. I have a career, work hard every day and have never once in my life been in debt. 

I havent had a credit card account since about XX/XX/XXXX ( a very low-limit department store card ) and the only type of loan Ive ever had was to build credit, 6 years ago it was paid off & every payment was on time. That loan was with my credit union ( who Ive been a member with for going on 15 years ). 

Ive read all the articles, asked all of the questions that I could think of and did my best to figure out the cause of my score to drop almost 80 points in a single day, but to no avail. I have gone through my credit report thatIve obtained from XXXX, Transunion, XXXX, and XXXX ; it didnt take long, as the entire report could comfortably fit on to one page, and there is absolutely nothing new. 

I understand that having little to no credit keeps your score low and makes it virtually impossible to be approved for any type of credit card but78 points in 24 hours? What caused this? And why, after hours of research and calls and e-mails and studying practically-nonexistent credit histories am I still sitting here with more questions than I started with?

As a taxpayer, a good citizen and someone who is having a hard enough time as it is trying to move forward in life without having credit history, I ( at the very least ), deserve an explanation as to why my credit score dropped close to 100 points in a day. 

This is a complete exploitation and injustice ; what if I needed to accomplish something in the near future that requires a credit inquiry? Well, theyd see the XXXX credit score along with barely any credit history and then move right along to the next applicant. 

That is my complaint. Thank you.
Product: Debt collection

American Coradius International LLC sent me a physical letter saying I owe XXXXXXXX XXXX 

When I called XXXX they said this is a fraud. They do not work with this company. 

Can you please tell me if this is a legit credit collection agency? 

Thank you
Product: Credit reporting or other personal consumer reports

I mailed certified letters to the credit bureaus on XX/XX/year> containing a complaint about the accounts on my credit report along with a copy of my state ID, SSI card and a utility bill. I received a letter from the credit bureaus asking that I provide a copy of my ID, proof of address, and SSI to prove my identity and other said the information was factual.
Product: Checking or savings account

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

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Se

ction 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit card

Absolutely the worst consumer experience! 
Greeted with the utmost disrespect. Staff inside the branch yell at customers and are extremely inefficient. Absolutely unacceptable. Unprofessional. 
I frequently expand my collection of credit cards and I applied for the TD Cash Credit Card. They printed me a TD Cash SECURED Credit Card ( in the branch ) and refused to come to a resolution in any way. Dismissed with XXXX figure it out yourself. Cancel your card, not our problem your credit score will go down because of our error. Never had such a terrible experience with any other banks. Staff not trained properly. Bank manager not helpful. 

TD Bank Branch Location - XXXX XXXX XXXX, XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXX and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has a closed account on the Equifax account. The other 2 agencies do not have it appear on the report after it was challenged and successfully disputed. Equifax still has it for the THIRD time and it adversely affects my credit score. No one can be this sloppy, this is intentional.
Product: Credit reporting or other personal consumer reports

I am a victim of the equifax data breach and they have not updated my credit report since XXXX. Ive called and requested my credit report several times.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
EQUIFAX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX 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: Credit card or prepaid card

I used my Citibank Credit card to pay for services on XX/XX/2023. The credit card was accepted for payment without a problem. On Monday, XX/XX/2023, I was advised by Citibank that my credit card account was closed because of 15 months of inactivity. I explained that I had used the credit card prior to the closure of my account. Citibank stated that the charge had not posted. I explained the charge had not been denied on XX/XX/XXXX when the card was utilized. I asked if they were denying the charge and they would not answer my question. Now my charge has been in a pending status for 3 days and they will not post the transaction. The closure of the account will adversely impact my credit score. In addition, I am not sure the services I purchased are void or not because of the pending status. Please help as this charge is still in limbo.
Product: Credit reporting or other personal consumer reports

This is a 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 accounts 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 accounts/inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX, XXXX XXXX XXXX Date XX/XX/XXXX.
Product: Credit card or prepaid card

I ordered a couch from XXXX XXXX online and the couch was never delivered. I never received the couch and my Citi credit card company would not open a dispute and they are keeping the money. No one will provide me with a refund because XXXX delivery service is holding the couch and has cancelled my delivery order. I would like to hold both CITI and XXXX XXXX accountable for this fraudulent activity.
Product: Credit card or prepaid card

I am complaining about Citi Bank. 
The Citi Bank card which never has been activated was fraudulently charged. 
The Citi Bank refused to investigate fraud and closed the card instead. 
Ruined my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying since XX/XX/2021 by certified mail on several times requested TransUnion to validation this collection that appears on my report ( XXXX XXXX XXXX Opened XX/XX/XXXX {$540.00} With no account numer ). I have no knowledge of this collection and have requested full validation for the credit to show proof that this collection belong to me. I have asked for signed copy of the contract with my signature. I have no problem fulfilling my obligation but wanted to ensure it is mine to pay especially when it shows up on my report without an account number. Please have Transunion ASWER my letters. I have attached copies of all my requests for this action.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices, for which violate the Consumer Financial Protection Actr ( CFPA ). Especially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts vulnerable and unprotected.

Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX I have proof that TransUnion received my letter disputing negative items that are listed below. And after several calls ( since XX/XX/XXXX ) the dispute was not entered even after being told that they received my dispute letter and that I would need to wait 5 business days for the documents to be uploaded ( After speaking to TransUnions Special Handling Department on XXXX XXXX ). 

Now this is XX/XX/XXXX and I will show proof that TransUnion is in violation. I also have made several attempts since XX/XX/XXXX, to have TransUnion correct inaccurate information on my credit report. TransUnion has responded since XXXX that these disputes are VERIFIED and I have attached proof that TranUnion is lying! 

XXXX XXXX XXXX Account # XXXX Remove the late payments from the Payment History because TransUnion reports, XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ) XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ). XX/XX/XXXX ( 120 days ). 

XXXX reports, XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ). XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( no reporting ) XXXX reports deletion on XX/XX/XXXX Delete Account! 



XXXX XXXX XXXX XXXX Account # XXXX Remove the late payments from the Payment History because TransUnion reports, XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( no reporting ) even though on their report TransUnion is showing Last Updated XX/XX/XXXX???? 

XXXX reports, XX/XX/XXXX ( 60 days ), XX/XX/XXXX ( 90 days ), XX/XX/XXXX ( 120 days ), XX/XX/XXXX ( no reporting ) even though the XXXX report is showing Last Update XX/XX/XXXX???? 

XXXX reports deletion on XX/XX/XXXX Delete Account! 

Collection : XXXX Account # XXXX {$11000.00} Delete the account immediately because I was never given any contract ( or proof ) that this is my account. And I have never had any account or services from XXXX or XXXX XXXX XXXX. 

Furthermore, TransUnion allowed XXXX to re-report a closed account as an OPEN ACCOUNT. Finally TransUnion reports Date Opened XX/XX/XXXX XXXX reports XXXX as a CLOSED ACCOUNT. 

Experian report deletion on XX/XX/XXXX Delete Account! 


I will attach proof to show that these accounts should be removed because of the above violations and additional inaccuracies from TransUnion and XXXX. 

XXXX XXXX XXXX
Product: Checking or savings account

I have never done business with this bank and I have contacted them many times and they still don't fix the problem.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed.

Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00}
Product: Debt collection

Couple months ago I have the same issue with collection agency but now is a collection company named SEQUIUM ASSET SOLUTIONS for a charge amount of {$280.00} from XXXX XXXX XXXX XXXX. Once again I do not own any amount because the address in the original charge is a different one from my actual address. Somebody else is using my information.
Product: Credit reporting or other personal consumer reports

This CFPB compliant has been filed to request pursuant to FCRA 605B This CFPB compliant has been filed to request pursuant to FCRA 605B Under 15 USC 1681c-2c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within XXXX business days of receiving a complaint consisting of the information below XXXX XXXX XXXX XXXX {$25000.00} Credit collection XXXX XXXX {$350.00} Credit collection serv XXXX {$79.00} XXXX XXXX {$0.00} XXXX bank DXXXXe {$0.00} XXXX XXXX XXXX {$0.00} XXXX card XXXX {$210.00} XXXX card XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} XXXXrt XXXX {$0.00} XXXX XXXX {$0.00} XXXX Financial XXXX XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX co XXXX XXXX XXXX XXXX co XXXX XXXX XXXX accounts XXXX XXXX XXXX and hard XXXX XXXX XXXX XXXX of identity theft and fraud.
Product: Mortgage

Re : Ocwen Loan Servicing. Loan was modified less than a year ago. I was told by several people that committed a lot of fraud. XX/XX/XXXX filed national UCC. Uniform Commercial Code 1 & 3 with state of Colorado. I have a commercial lien and agriculture lien on the property. The note was tendered 3x and accepted. But ocwen continued to bill me. Now Im in foreclosure. I have sense filed XXXX & XXXX to prove that house was paid for. I have changed my name. I went back to my birth name. My givin name. I have. Drivers license and ssn in my name. I gave and submitted to ocwen and XXXX XXXX but they never updated paperwork. They submitted foreclosure in my old name. I am a XXXX XXXX. XXXX. The United States is a profit Ferderal Corporation, is bankrupt and has to pay our bills. XXXX XX/XX/XXXX, a bank emergency was declared by President Roosevelt because of the insolvency bankruptcy of the U.S. Executive order 6073, 6103, 6111, 6260 ;  Senate Report 93-549, pages 187 ; 594 ; XXXX. New money promissory notes is is issued to the banks in return for government obligations, bill of exchange, drafts, notes, acceptance. My birth certificate was registered. Besides I didnt know about mortgage notes sold & securitization.See Senate document No. 43, 73rd Congressional record, 1st Session. XXXX XX/XX/XXXX. Since XX/XX/XXXX we have been in a state of national emergency. Under UCC Im able to discharge debt. I tendered the mortgage 3xs. I have recently learned that their is 2parts to a mortgage. And the note is continuously being sold. And then their securitization that no body tells you about. Your mortgage has a cusip number, your house is being traded on the stock market and they get the money. Everything you thought belongs to you doesnt because they have cusip numbers on everything that you thought you owned. This is all fraud. My name, my all caps letter name, my straw man is a business along with my birth certificate being registered with Secretary of State.
Product: Credit card or prepaid card

Kohls department store charged me late fees on XX/XX/2021 for {$64.00}. I had paid off the Kohls card months and or maybe a year prior to this and wasnt late with my payment but still got charged. I called Kohls to resolve this issue and they took off one late charge but I still had to pay {$24.00}. I shouldnt have to pay nothing because I already paid off my credit card I told the Kohls rep. I still had to pay. After all this I got a delinquent account on my Credit Report and it was from Kohls. This drop my credit from XXXX to XXXX. These bogus charges hurt my credit report that I worked hard to maintain. Please help.