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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX Inquiries : XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction.

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those
transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168XXXX. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I do not know any of these companies and I did not authorize them or anyone else to use my social security number. These are fraudulent inqiuries
Product: Credit card or prepaid card

I have a few charges from XXXX to my American Express credit card and i was unauthorized it on XX/XX/XXXX right immediately to Amexrican express company with the amount is {$2700.00} {$2700.00} {$100.00} $ XXXXThey did done investigation and credit me back but i told them there are still have another {$2700.00} it was double charged with it the same amount ( {$2700.00} ) and ordered id.I have confirmed do you have to pay for it and the agent clearly answers me that was a pending adjustment and i am fine now don't worry about it.So i was thought it was done and wasn't pay attention on it.However I was checking my last year stament on XX/XX/XXXX and find out there was and extra charge still there and confirmed by Amexrixan express customer support representative the amout {$2700.00} is outstanding balance.
Product: Credit reporting

I wish to make a formal complaint about entry errors on my Credit Report. I wish the following entries investigation as I believe they occurred before my Bankruptcy filed XXXX XXXX XXXX and discharged XXXX XXXX XXXX. 
Collections : XXXX for {$290.00} XXXX XXXX XXXX XXXX XXXX AZ XXXX for {$290.00} XXXX XXXX XXXX for {$250.00} XXXX for {$210.00} Public Record : XXXX / Recorder Reference # XXXX Filed : XXXX XXXX XXXX Amount : {$12000.00} I wished these entries investigated and removed from all XXXX credit bureaus. 
I have a perfect payment record since my bankruptcy and I feel this is unfair to my credit standing, and these negative remarks of my credit reports does not truly reflect my credit worthiness to date. 
In light of this information, I feel all XXXX credit bureaus should delete these potentially negative records to avoid further confusion to potential creditors in the future. 

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

The only name that should be reported on my credit report is XXXX XXXX XXXX. 

No other name is correct. I have tried time and time again to resolve this.
Product: Vehicle loan or lease

XX/XX/XXXX - Went to Honda of XXXX XXXX to purchase a new vehicle after my car was stolen during a home invasion. I chose this dealership because a close friend worked in parts & service, and was able to get me the friends and family discount. However, on the date I went to the dealership, they had sold the original vehicle I came to look at. Regardless, they stated that a similar one was in transport. They agreed to sell me the car at invoice - XXXX. Stated they would text me when the vehicle arrived. 

XXXX - Received notice via text from XXXX XXXX that my vehicle had arrived. I should note that XXXX is not the business manager who I completed my paperwork with. 

XXXX - I went to the dealership to purchase the vehicle. The on the road price agreed upon was {$38000.00}. I put down {$8000.00}. Per the retail installment sale contract I signed on XX/XX/XXXX, the terms were as follows : -- Amount Financed : {$30000.00} -- Finance Charge : {$6900.00} -- XXXX APR for 72 months -- Monthly Payment of {$510.00} XX/XX/XXXX - Received welcome email from Honda Financial. Logged on to see that the monthly payment amount was {$85.00} more than the agreed upon price. I doubled checked my copy of the contract and confirmed XX/XX/XXXX - I reviewed the contract submitted to the finance company. Upon review, I noticed that the amounts were different, and the contract was dated 2 days after my purchase date and the signature on the documents was not mine. Below are the changes : -- On the Road Price : {$42000.00} -- Amount Financed : {$35000.00} -- Finance Charge : {$8000.00} -- 6.9 APR for 72 months -- Monthly Payment of {$600.00} Same date, I reached out to a consumer lawyer. They mentioned filing complaints with the AG 's office, MVA, and CFPB. 

I also reached out to Honda Financial, who stated there was nothing they could do, despite the documents that the dealership submitted being falsified and fraud. 

XX/XX/XXXX - Filed Complaint with AG 's office. Case # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXXXXXX XXXX XXXX, account number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A, states I have the rights to privacy. 

15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

My name is XXXX, I have been trying to contact Statebridge for way too long now. I need my pay off in writing as soon as possible. I will be paying my balance when I receive this information. 
It is impossible to speak to a person ... 
I 'm at my wits end, and I 'm ready to move on. This company has been a nightmare from day one, when my old bank sold them my loan. 
Not happy .... thank you, XXXX
Product: Credit reporting

XXXX XXXX XXXX was removed off my credit now its back on my credit and its damaging my credit score with Equifax. 

It was reinserted with no knowledge of information that it was going to be reinserted. I am a victim of identity theft and I advised them of that it was not reinstered on XXXX nor XXXX, but on Equifax. 

I would like for it to be removed
Product: Mortgage

My hazard insurance for this property expires XXXX XX/XX/2018 and of course, my premium has increased so I am in the market for another company to service this requirement. Sometime in XXXX I called Freedom Mortgage, the mortgager, and gave them this information : do not pay the current insurance bill since I am actively pursuing quotes from other companies. I do have a quote I intend to accept but I am awaiting results of a wind mitigation inspection I decided to purchase in hopes of reducing my premiums even more. I went online to my mortgage account today to let Freedom Mortgage know that a new policy was forthcoming. However, it seems this mortgage company has disregarded my request to withhold payment to current insurance company and paid them the increased insurance premium. Now I will have to pay the new insurance out of pocket which is what I wanted to avoid. I know I should get the paid amount refunded but that could take weeks and I am on a strict budget. Freedom Mortgage has been an absolutely horrible company since day 1 when my original mortgage was sold to this organization. WHY don't consumers have the right to select their own mortgage company? Because Freedom Mortgage would surely go out of business as I know many other veteran homeowners who are as frustrated with them as I am. While writing this I am on hold with Freedom Mortgage waiting for customer support. The recorded message claims they are handling calls from hurricane affected people but the hurricane is still active. I can see an insurance company being overloaded with calls but a mortgage company? This early in a hurricane? Come on! You are supposed to be a consumer protection agency yet NOTHING is done about Freedom Mortgage from what I can tell. They should in the very least be barred from providing, administering and servicing VA Home Loans!
Product: Money transfer, virtual currency, or money service

On XX/XX/year> my son XXXX XXXX XXXX me {$150.00} for my birthday present! I got the email that said " XXXX XXXX has sent you {$150.00} - well is did not show up. So I called the bank and asked Where is my birthday present of {$150.00}. to my surprise, Citizen, my bank said " we don't know ''. 
Citizen did the very same thing to me last year on my birthday, and I raised sand with them about my birthday present of {$100.00} that should be available immediately. Then they all of a sudden found my {$100.00} from XXXX and I was allowed to get my birthday present out of the bank " the same day ''! 
Well this year, they had the nerve to tell that I have to wait until XX/XX/year> to see if I can get my {$150.00} then. I was told by Citizen Bank that XXXX is a money apt that allows you to get money sent, on the same day. 
I am tired of Citizen playing with my birthday presents everyday, especially when XXXX is " suppose to be '' a cash app!
Product: Payday loan, title loan, or personal loan

After realizing that most of the monies paid to Mobiloans weren't going to paying off the principle, I had to quit making payments and wrote them to try to work out a fair repayment program.I can not continue to pay excessive fees.I am on XXXX and cant afford.I never borrowed more than 400 at anytime and made payments but principle never seems to go down.Just need help arranging fair repayment plan, and stopping excessive fees.They have already damaged my credit after 30 days.They have ignored any requests to lower and set up payments that I can afford.
Product: Mortgage

The mortgage company failed to submit my property tax payment and I made the required payment from other funds and included {$150.00} of interest and administrative costs. I requested that the escrow account be closed and balance sent to me. I also requested the additional payment of {$150.00} charged to me because of their error. This occurred in late XX/XX/2021 and I received the escrow balance in mid XXXX. The company has yet to pay the additional fee after repeated promises that it was approved and will be processed shortly. Most recently XX/XX/XXXX they informed me that they are seeking payment from the previous service company because they were not informed of the required payment dates. In my opinion, this company should not be licensed to service mortgages to anyone. They lack any commitment or communication to their customers. Thanks
Product: Credit reporting or other personal consumer reports

Subject : Request for Correction of Credit Report Information Removal of " Dead Name '' Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue regarding my credit report that requires your assistance. I recently became aware that my credit report contains outdated and inaccurate information associated with my former legal name, commonly referred to as my " dead name. '' I have legally changed my name, and the court has officially recognized me as [ XXXX XXXX XXXX ]. The issue arises from the fact that my " dead name '' continues to be linked to my credit report, causing potential complications and concerns for my financial well-being.

Furthermore, my personal information has been compromised due to the XXXX security breach, which exposed my details to the dark web and hackers. I am deeply concerned about the potential misuse of my outdated information, and I believe it is crucial to rectify this situation promptly. 

I kindly request the following actions : Removal of Dead Name : I request that you promptly remove any references to my former legal name from my credit report. Please update the information to reflect only my current legal name. 

Verification of Identity : To ensure the accuracy of this correction, I am willing to provide any necessary documentation to verify my identity and the legal name change.

Investigation of Security Breach Impact : I would appreciate it if the Consumer Financial Protection Bureau could investigate the impact of the XXXX security breach on my personal information and take appropriate measures to safeguard my financial data.

I have attached a copy of the court order confirming my legal name change for your reference. Additionally, I authorize the Consumer Financial Protection Bureau to access any relevant information needed to address this matter.

I understand the importance of accurate credit reporting, and I appreciate your prompt attention to this issue. Please inform me of the steps being taken to rectify this situation and provide updates on the progress of the investigation.

Thank you for your time and assistance in resolving this matter. I look forward to a prompt resolution of this issue.
Product: Payday loan, title loan, or personal loan

I have on numerous occasions contacted this company to work out a resolution on a charged off account that was dismissed in a Chapter XXXX bankruptcy, this personal loan was refinanced on four occasions and a set of interest was added, bringing the overall amount due to be unrealistic, I had talk to the manager in XXXX, Mississippi, and was plainly told that he had already signed a garnishment against me and under the federal Jones act, for maritime seamen, this is invalid, I was directed to the branch manager and I did try to reaffirm the loan in return for them to remove the negative remarks and report it as such, I have to try to make this account right, and I am seeking a resolution for them to remove the excess interest, and to reaffirm the debt out of the chapter XXXX, and I will pay this account if they will stop at the threats, and I asked for my credit report to be corrected with a letter stating such, upon both parties agreeing on the reaffirmed account, I am not only protected from their threats of garnishment by the Jones Act, Federal law ( 46 USCA 11108 )  exempts seamens wages from garnishment, and in the process thereof, immunizes the employer from any liability for refusing to honor any such garnishment. This account is also past the Mississippi statue of limitations of 3 years for court filings, but yet I am awaiting a written response from this company as to a fair resolution and a correction to my credit report immediately, this account is scheduled for deletion in 11 months but I am willing to do the right thing if this company will also do the right thing. This matter was brought about for a situation beyond my control with two major events, divorce and XXXX XXXX, and I think we can reach a fair resolution if this company so desires.
Product: Mortgage

JPMorgan Chase Bank , N.A . XXXX XXXX XXXX, XXXX, OH XXXX. Notice of Substitution of Trustee was filed XX/XX/2015. On XX/XX/2015 lender did n't get order and has not moved forward. The homeowner has been gone for over a year & the property is in bad shape. Would like to know why it is taking so long to foreclose on this property. The HOA is having to report the property to the City to see if they can do something.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Mortgage

The Servicing Company to my mortgage - Nationstar Mortgage is attempting to illegally foreclosing on my personal home by selling it at auction on XX/XX/2105 in direct violation of HBOR law. Nationstar Mortgage failed to complete a review of my loan modification submission and request for relief. In addition, they have failed to offer any alternative to foreclosure programs like short sale. Nationstar Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for me. They have mishandled my documents and file several times and failed to properly communicate with me throughout the process. They simply violated HBOR specifically under the " dual tracking '' clause. Nationstar Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX XXXX to illegally start foreclose on my property.
Product: Mortgage

Caliber Home loan is delaying payment processing time online to collect late fees or processing fees over the phone. The company grants you a 15 days grace period to pay your mortgage but I logged online to their website at XXXX EST on Friday morning, XXXX/XXXX/2015 and it states that the my check payment will not post today but rather Tuesday, XXXX XXXX which will in turn cause a late fee. I have processed several payments online for loans, like credit cards and car payments and the check payment is posted the same day and will be pulled out 5 days later on average. I do not understand if I make a payment on Friday Morning why would it take 3 business days to be posted to my account. Friday is a business day and what happen to Monday. The company selected Tuesday because a {$34.00} late fee would apply to your account. Late fees are " Extra Income '' for the company and I am sure that this is where the company 's bonus is coming from. To avoid a late fee charge, I called to make a payment over the phone which is a {$15.00} fee. I used the same checking that I was going to use online so why is n't there a delay over the phone? The company is not working for the best interest of their customers or creating a win-win for their customers but rather working in the best interest of their shareholders. I do understand that this is a company that operates off of capital but I do think that they should be fair and ethical. They are working the system and it 's unfair and needs to be stopped or the company needs to be fined!!! I would like my {$15.00} credited back but also for Caliber Home loan to change their payment posting delay online because I know that they could have posted that payment on Monday instead of Tuesday.
Product: Payday loan, title loan, or personal loan

Speedycash deposit XXXX in my account and they said it will not affect my bank account so now I have a overdraft in my account it was at XXXX now it is XXXX overdraft they should be responsible for this not me there phone is XXXX XXXX XXXX name is XXXX XXXX ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # XXXX has violated my rights. 
XXXX XXXX XXXX Acct # XXXX has violated my rights. 
LVNV Funding LLC Acct # 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 an account without my written instruction.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I am also asking for a copy of the original contract, payment history, proof of ownership of these accounts, and original creditor information.