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 XXXX : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX 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 XXXX 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, credit repair services, or other personal consumer reports

Experian credit bureau is doing a very poor job at protecting me the consumer. I have disputed this account ( XXXX ) with Experian before and it has never been resolve. This account is falsely reporting negative information on my credit report. On my Experian credit report it shows updated payment history and I did not make any payments on this account. If I did may any payments why the balance owe did not go down? 7 years of this account will be up this year and I believe this company is updating payment history so the date of delinquent payments will start over meaning the 7 years will start over also. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

There are multiple addresses, inquires, and misspelled names that are attached to my credit report.
Product: Mortgage

Last XXXX I closed on a house I purchased using my VA home loan. Normally when your a second time VA home loan user you pay a VA funding fee. I used Premier Nationwide Lending for my home purchase. I sent my Certificate of Eligibility from the VA to my loan originator who put it in my package to build my loan. I also used my XXXX monthly income from the VA to get approved for the loan. I am XXXX by the VA. At closing I asked what was the XXXX dollar closing fee for the VA and my originator told me that it was a VA funding fee and that since it was my second time using the VA home loan I had to pay it. Fast forward to Monday of last week, I now work for a bank as a banker and I was talking to a former veteran also our mortgage guy for the bank I worked at. In passing we talked about my loan and proceeded to talk about how much I had to give the VA. My mortgage guy told me that since I was XXXX I should n't have paid that funding fee and showed me the VA reference guide saying that " while its true that second time VA users pay a funding fee, XXXX vets are exempt. I pulled my HUD my COE and sure enough I was exempt. Last Monday I contacted the loan originator I used at premier nationwide lending and complained to him and sent the documentation showing they made a big mistake. After a few days I texted him on Friday of last week and he said he would get back to me Monday or Tuesday this week. Well today is Thursday and I have had enough. This is a serious matter, I paid money I should n't have paid and now am paying interest on that money I should n't have paid, not to mention closing cost were built around the overall amount of the loan. I still have not heard from premier nationwide lending 's compliance, or even the loan originator unless I text or call him first. For me this is ridiculous and as a XXXX veteran it is very distressing to have this financial burden and uncertainty hanging over me and my family. I feel as if no one cares enough to keep me informed or to even let me know if this is being resolved. This is wrong whether it was intentionally done or unintentionally done. This loan is 30 years of my life and if I would not have caught this error I would have paid much more than XXXX dollars over 30 years. My loan currently cost more than my home would appraise for because of that funding fee. Please contact me immediately.
Product: Credit reporting or other personal consumer reports

CAPITAL ONE AUTO FINANCE Account number XXXX Under the provisions of the CARES Act, which aims to protect consumers affected by the pandemic, I am requesting that you consider removing this late payments from my credit report as a gesture of goodwill. I am confident that this isolated incident does not accurately reflect my creditworthiness or financial responsibility. The late payments in question was an anomaly caused by the unprecedented financial strain I faced during the height of the pandemic. 
The late payments listed were during the pandemic XXXX XXXX XXXX days late XXXX XXXX days late XXXX XXXX- XXXX  days late XXXX XXXX days late XXXX XXXX XXXX days late Furthermore, the reporting of the late payments is inaccurate, a payment can not be considered XXXX  days late XXXX months in a row. This isn't factual reporting and is a violation of my consumer rights. According to 15 U.S. Code 1681- Congressional findings and statement of purpose, all information must be reported accuracy.
Product: Debt collection

Moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Called XXXX  in XXXX to set up cancel date and ordered service for my new home. Needed internet service at the old house ( XXXX XXXX XXXX ) to overlap with service at the new house for about a week. Completely emptied the house first week in XXXX and there was one week before buyer was closing on the house ( I believe the date was XX/XX/XXXX ) Got a call from XXXX  on XX/XX/XXXX stating someone was trying to order new service for XXXX XXXX XXXX to start the next day. I approved and stated service should have been turned off a week prior. Because the date they shut off service was one day into a new billing cycle they have charged me for another month. Spoke with 3 different people at XXXX and everyone of them will acknowledge seeing the notes on when I called in to cancel service prior. 3rd person was a manager and mentioned I got a discount on my new service because it wasn't set up has a transfer. I agreed to pay back the difference on the discount for new service ( around {$80.00} ) if they removed the bill for $ XXXX. Called manager back the next day and she stated she could not get that approved. I feel I did everything I should to notify them of cancellation ( and they acknowledge that ) and I should not be responsible for their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to remove this inaccurate account ( XXXX # XXXX ) I have sent them all the documentation as to WHY this account is reporting inaccurate I dont have this problem with XXXX  they REMOVED this account and I sent them the same Documentation What makes TransUnion so special I would really like to know? I have attached PROOF of this account being removed from XXXX. XXXX no longer owns this account and its reporting on my TransUnion report as with Past Due balance which is a clear violation
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that these accounts are fraudulent though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
ACCOUNTS : XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX.
Product: Credit card or prepaid card

Every transaction for the CitiBank issued credit card was transacted by XXXX XXXX, Founder and CEO, on behalf of XXXX XXXX XXXX. The card was issued under the name XXXX XXXX XXXX, yet CitiBank was already aware of the card 's intended use and the card was obtained for XXXX XXXX XXXX. XXXX XXXX sent an initial message to the Head of Customer Service and received a response that was an outright lie that his account number could not be located. XXXX XXXX sent a second message noting the applicable illegalities with the only " legal '' option being account closure with any further contact being illegal. The communication of only ( 2 ) messages is easily retrievable. CitiBank called ( 3 ) times within only 5.5 hours on XX/XX/2018. I would like them to never contact me again, but it seems they believe laws of the US do not apply to their organization. Apparently, the majority of financial institutions engage in incessantly intrusive and harassing activity for personal enrichment.
Product: Credit reporting, credit repair services, or other personal consumer reports

my experian credit report is showing i owe XXXX XXXX XXXX XXXX dollars.?? 

but i dont understand how i owe XXXX XXXX any money if the car was repo and sold at auction cause i saw this car was sold on XXXX so the balance should be XXXX 

i do not owe XXXX XXXX any money..
Product: Mortgage

Arvest Central mortgage company, I had sent in extra monies to go towards my principal. I have not missed any of my monthly payments I am on auto pay. 
XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$8000.00} XX/XX/2022 they received {$6000.00} Total of {$22000.00} has still not been applied to my account. 
I have called and had this escalated, someone calls me on a weekly basis now to tell me it's not been done yet. They also told me this has been happening to other people. 
This is not OK that they are tying up my money for so long, and they are just telling me that they are backlogged.
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. 

Account name : XXXX XXXX  XXXX XXXX XXXX, Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX Acct # XXXX, Account name : XXXX XXXX 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 a account without my written instructions 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 item 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.
Product: Debt collection

I keep receiving emails that threaten to take me to court my name isn't attached to this email and they asking for me to wire transfer XXXX to settle this case. If not I will be prosecuted for 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION ( 4 ) ELECTRONIC FUND TRANSFER
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all employers from my credit report. Incorrect information reporting as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As My last Report XXXX is still reporting my information inaccurate after I made a complaint through you before. The information is different between the XXXX and XXXX. This is a violation of my Rights according to the FCRA. My report has to be 100 % correct.
Product: Student loan

On multiple occasions the department of Navient / XXXX XXXX placed my account into forbearance. I received emails from their employees that said respond yes to this message to place your account into forbearance. Me not being able to afford the outrageously high payments being offered I agreed to the forbearance and responded yes. I have accrued several thousands of dollars in interest over the last 5 years without them attempting to set me up with feasible payments. Im questioning the legality of what they are practicing. Do I qualify for the class action suit against Navient? Should I seek legal representation? Im aware of the multiple forgiveness programs available now but thats after the fact that Navient caused me to accrue roughly 10,000 to 15,000 dollars in additional interest. Please explain to me what my options are. Thank you for your time.

Sincerely, XXXX XXXX
Product: Mortgage

I believe Georgia law has not been followed concerning a Foreclosure. I believe I am going to be victim of a Wrongful Foreclose as of XXXX/XXXX/XXXX. I dispute the lender Calibur Homes sending a current notice that specify the default, action required to cure the default, 30 days notice to cure the default and that failure to cure may result in acceleration of the sums secured by the Security Deed. The notice shall further inform me of the right to reinstate after acceleration. Caliber Home Mortgage attorney provided me today XXXX/XXXX/XXXX with a letter from XXXX/XXXX/XXXX when the loan was with Vericrest stating an amount to be paid of {$3900.00} to be paid by $ XXXX/XXXX/XXXX to cure the default may result in acceleration. A chapter XXXX was filed as they had ignored the attempts at modification that had started with XXXX, then sold to Vericrest and I had to start the modification process over again and then sold to Caliber over a one year period. Caliber ignored my attempts and cont. to harass me by stating they did not have correct documentation, which was not true, and started the acceleration process, unless I could bring the loan current. I converted to a chapter XXXX and was discharged in the fall. Caliber Homes has accepted payments since the letter from Vericrest on XXXX/XXXX/XXXX and exceeded the amount of {$3900.00}. Caliber homes never notified correctly as I believe XXXX states. I do not feel I have appropriate time allocated to pursue a potential buyer whom has interest, or to have been given an specific dollar amount that needed to be paid to reinstate my loan. Thank you
Product: Mortgage

I Applied for a loan modification and was approved but the interest rate stayed high at 4.25. Before i applied for a modification my interest rate was 3.75. What Ocwen did was offer a second loan and not charge interest on it but it will still be due at the end of the loan term. 

I am one of the affected home owners for the ocwen settlement and I demand that My Mortgage gets the proper loan credits that I am entitled to as per the settlement I am entitled to demand a permanent principal reduction of XXXX XXXX on my loan as a complete loan forgiveness. When I was under a review for modification my account escrow balance was changed several times and i filed several complaints back then. 

I demand under federal laws that my Loan gets credited XXXX as well as my Interest rate to be dropped as low as 2 % for the remaining term.
Product: Debt collection

Source Recievable Management debt collector company acting on the instructions of XXXX reported to the 3 credit bureaus on account of a debt of {$300.00} against my name. The debt does not belong to me as I had no contact with XXXX. I called the Source Recievable Management and XXXX demanding corrections to be effected and reports withdrawn from my credit the have declined and continued to damage my credit report.
Product: Debt collection

XXXX financial calls my aunt 's house frequently looking for me. Caller ID identifies based off company name, that XXXX is a debt collector. Upon answering, voice recording says " if you are not " my name '' hang up, if you are " my name '', please press one. '' This identifies to anyone who answers that I owe a debt to XXXX financial. This is a violation of fcra and privacy laws surrounding debt collection. 

Upon pressing 1 to try to speak with them the phone rings several times, but no one answers, and eventually the line goes dead. 

They are not calling to communicate with me ... or they would answer the phone after pressing one. Instead they are announcing to anyone who answers the phone that I owe them a debt, with no intention of actually communicating with me about said debt. This is a violation of the fcra and laws surrounding communication tactics allowed by debt collectors. 

I provided an image of caller ID, and what info can be found out by anyone who does a XXXX search of the company name. Associating my name with their name tells anyone who answers the phone when they call that I owe a debt collector a debt which is in violation of " The Fair Debt Collection Practices Act says that absent express permission from the debtor, a collector may not communicate with anyone about a debt other than the consumer, and certain people such as attorneys. '' Just by calling and identifying themselves and playing a recording of my name to anyone who answers, violates my rights. Whether they identify as a debt collector in the recording is irrelevant because of the information age, a simple search reveals their intentions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called each bureau about fraudulent inquiries on my report Experian removed some XXXX said they would be removed after 24hrs but they still remain on my report. XXXX was not helpful or cooperative with me about removing the fraudulent inquiries. Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent practice without validation by XXXX XXXX XXXX XXXX hereafter referred as XXXX.

I spoke to a rep at XXXX 2+ months ago when we received an email in our junk folder, no mail, what kind of company does not send a collection letter via mail.

Regardless, I called XXXX and spoke to them about the issue. The issue here is that XXXX   decided to do collection for XXXX XXXX situated in XXXX for maintenance fees of the timeshare. I explained to them that when I called XXXX XXXX in XX/XX/XXXX, every employee I spoke to, they said that we no longer are the owners of the resort because it's under new management. They kept telling me that our ownership was with XXXX XXXX that went in bankruptcy and the takeover by new owners, XXXX XXXX, does not extend club ownership to XXXX members.

So what was baffling is that they insisted I should make maintenance payment because we have privilege to use the club without ownership. Well frankly, we'd like to sell our timeshare if we still have the ownership and this is what I was unable to achieve in XX/XX/2017 if we could confirm that we still owned it. Doing some online research, I came across forums and prior XXXX owners all had the same concern on loss of ownership.

I explained this to XXXX   rep and she promised me to get back with confirmation of ownership but didn't. A month ago, I was left a voice message saying XXXX is calling back but no details were left in the voice message. I called back immediately but ended up leaving a vm since their lines were coming busy.

Till date, XXXX has not provided a valid reason to place a debt collection on our credit report of my wife and mine. This seems to be very unfair practice by XXXX XXXX  to place a debt collection on our credit reports.
Product: Checking or savings account

Chime XXXX powered by XXXXXXXX XXXX XXXX XXXX XXXX defrauded me on XX/XX/XXXX by penalizing me ( - {$32.00} ) without any actual financial violation committed by myself nor any accounting record to justify the overdraft penalty. The customer service reps sought to gaslight me the primary accountholder and fabricate illogical fallacies & mathematical impossible scenarios as a reason for the negative balance in my Checking account which was not in the negative prior to the midnight ( XX/XX/XXXX ). All my purchases the day prior ( XX/XX/XXXX ) were debit and paid-in-full with sufficient balance in checking accounts funded by my Savings account prior to transactional charges. And these foreign-accent sounding reps were heard laughing in the background whike listening in to my complaint. They were behaving like XXXX XXXX. Insulting my intelligence and disregarding the transactional facts recorded in my account transaction list ; which proves the existence of the egregious error of an embedded malicious algorithm programmed to place accountholders in the " red '' injustifiably & irregardless of real cause. There is & was no actual financial violation committed by the accountholder. I am a victim of financial institutional skimming, a petty & subtle financial fraud practice.