23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I went down to the courthouse and spoke to the clerk personally. I verified with her and she agreed that the judgement listed on my credit report was not mine. I asked how was that possible since you report this information to the bureaus. She stated that they do not report any information to the credit bureaus. So how is that Transunion was able to gain access to my inaccessible information? 
According to the FCRA, the credit bureaus must verify personally with the creditor. The clerk of the court in this instance would be the creditor. I would love to know with whom you spoke to, their title and date you called. I think you should be able to provide this information forthwith as performing a verification is what you do. Since the information may have been obtained by other means and not directly with the court and as I am an intelligent man, I respectfully request that you remove the judgement from my file.I believe that if I were to take this matter to my attorney that he would concur with me and suggest a lawsuit against your company we would win without a hitch.
Product: Debt collection

Collection Agency refused to remove debt from credt file after amount that was reported was paid off.
Product: Mortgage

My FHA mortgage # was issued in 2009. According the HUD website, the monthly insurance premiums may be cancelled after 5 years ( if the mortgage terms exceeds 15 yrs ) and the LTV is 78 % or less ( based on origination appraisal ) and on time payments. I meet all requirements. I asked my mortgage company over a month ago to cancel this. They send they were 'sending a form. I have n't a word since. I want this cancelled
Product: Vehicle loan or lease

I have repeatedly asked this company not to call or email me, not to call or email my references. They are threatening to repossess my vehicle that is not even 30 days delinquent. And they forwarded my personal information to another one of their customers I have multiple emails 50 to support this claim. Please help me. 


_______________________________________________________ From XXXX  XXXX prizm Financial Pay   your car payment. That's how you avoid emails. It's in your contract. Again if payment is not received by the end of the business day tomorrow, your account will be sent to our Repossessions Department. 

Thank you -- -- -- Original message -- -- -- From : XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : ; Cc : Subject:XXXX REPOSSESSION XXXX, Your account is being transferred to our Repossessions Department for further review if a payment is not received by the end of the business day tomorrow. 

Thank you XXXX XXXX -- -- -- Original message -- -- -- From : XXXX XXXX Date : Wed, XX/XX/XXXX XXXX XXXX To : Cc : Subject : Re : CALLING REFERENCES AT XXXX TODAY XXXX XXXX, I appreciate your feedback. We tried reaching you by e-mail, home and work to no avail. If we do not have a payment or arrangement to pay we will be forced to contact your references in hopes tor each you. Please be advised that in the state of Ohio your car could be repossessed after being only one day past due. 

Thanks, XXXX XXXX XXXX Prizm Financial XXXX XXXX ** Effective XX/XX/XXXX our office will be relocating to : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, OH XXXX ___________________________________________________________________________________________________________________________________________________________________________________________________ ( XXXX XXXX To : you Details XXXX To XXXX XXXX Cc Bcc _________________________________________________________________ Hello This was sent to me last month ( forwarded by XXXX XXXX but I believe this is in regards to your account. You may want to contact them or an attorney in regards to the security/privacy of your account. Your email/account status is suppose to be confidential and should not have been sent to me, another customer of Prizm. This company and most employees are very unprofessional and I just wanted to make sure you knew your account info was shared ( even if in error ) as I would want someone to do the same. 


Thanks Sent from XXXX XXXX  for XXXX
Product: Credit card or prepaid card

This complaint is about American Express didnt make any effort to investigate my dispute ( XXXX XXXX. XXXX ). I also tried to resubmit the dispute, however American Express continues neglecting my dispute and mark it closed on its own end. 
The merchant in this dispute - XXXX XXXX XXXX XXXX XXXX is a fraudulent XXXX ; I was overcharged for {$120.00}, which is clearly proven in my XXXX XXXX statement - patient responsibility section. I have submitted all the proof and communication between me and the merchant through American Express manage disputes portal. The merchant has already acknowledged they overcharged me {$120.00}, but I have never received the refund.
Product: Debt collection

Sometime within the last month Midland Credit Management ( Based out of XXXX XXXX, CA ) has  been contacting my best friend and discussing my debt problems with him. The caller has discussed how much I owe and how Ive paid so far.
Product: Credit card or prepaid card

I never received my Benefits card when I called BofA the claim representative said the card had been used and we're gone and to put in a claim they would send out a new card and return the stolen funds as a courtesy. I received new card with no funds and still no funds. Bank of america said for me to prove that I didn't do transactions. Well if I didn't do them how can I get proof that's insane. But furthermore the claims rep said the funds would be replaced but I have yet to receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I least a vehicle going back in XX/XX/XXXX They claim I had left a balance of {$550.00} and I requested documentations and I never received it I filed a dispute with XXXX XXXX and with Honda financial services to remove my derogatory Item on my credit report I requested document ations from them why they claim I owe them {$550.00} but with no success they never sent me out any documentation regarding that charge
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARMAX AUTO FINANCE XXXX XXXX XXXX
Product: Mortgage

I applied for a refinance on my home on XXXX XXXX. I was provided a pre-approval, and proceeded to provide close to XXXX documents to underwrite the loan. I provided all docs, and then was conditionally approved in underwriting requiring me to provide XXXX more docs. 

This was close to 2 months ago. These documents were provided, and then Amerisave came back XXXX additional times requesting new documents ( each supposedly going through underwriting and each taking days ). I have now uploaded over XXXX documents ( and many of them were repeat requests ). 

It is now XXXX and my loan has still not closed. Now, I was contacted this AM telling me that my application numbers were not correct ( for a rental property that I own ), but these were numbers that I NEVER provided on my application. They actually created the document, and when I raised they were incorrect on XXXX XXXX, I was told that they would be rectified through the documentation process. All docs ( taxes, insurance, mortgage ) have been provided, yet they are still " miscalculating '' the numbers ( not in my favor ). 
I have never experienced such poor service with any business, and I am stuck using them since they already pulled my credit ( which would count against me now elsewhere ), and I paid for a completed appraisal - which came in fine.
Product: Credit reporting or other personal consumer reports

I have account that are not accurate and possibly fraudulent as to I have never done any business with the following companies : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX. I have requested documentations and proof of claims from all of the above companieswhich I have no records of ever doing any business or establishing any contracts for business with the above Third Party collections agencies. Pleasedelete the account at once.
Product: Mortgage

As of  XX/XX/2016    my ( {$38000.00 } ) 20 yr.  mortgage loan was suppose to be paid off with CIT/Caliber Home Loans. They are now telling me that it is a simple interest loan and interest is accrued daily on top of the interest and I still owe {$15000.00} even though I have made the 240 payments that my promissory note states. They do not give me a timeframe of how long this will take, because of the daily interest. My interest rate for the la st 20  yrs has been 10.85 % and payments have been made in a timely manner to them. I originally got a loan from  XXXX   XXXX  and then it was sold to  Caliber Home  Loans. I have contacted them many times the last few years telling them that at the rate I am paying, this loan will not be paid off when loan states even if it all went to the principle amount. They just kept telling me it would be. Now that it should be paid in full, they say it is because of this daily simple interest charge, which I do not see anywhere in my contract. I dont feel I owe them anymore money and am at wits end trying to solve this. I have talked to someone about refinancing just to drop the interest rate but they too feel this should be paid in full and gave me this website to maybe get some help in resolving this matter.
Product: Credit card

On XX/XX/XXXX I noticed XXXX small charges come through on my Capital One credit card. I called Capital One to let them know these were not my charges and Capital One forwarded my call to a scammer. The scammer said he was from XXXX and that my identity was compromised. I called the Capital One phone no. that was on my Capital One credit card. I was scammed out of {$250000.00}. 

I have attached the Capital One statement for XXXX. I have circled the XXXX small charges that came through on my credit card on XX/XX/XXXX that I called Capital One a out. It doesn't look like they were removed.
Product: Mortgage

XXXX  mortgage statement with amount due that was different from the original loan amount due. Called the mortgage company concerning the different amount. Transfered to a loan consultant only to be placed on hold after waiting for XXXX from the first time this happened after each inquiry following the monthly billing cycle.
Product: Debt collection

I was told by their secretary at the time that my insurance was included in their group and my XXXX would be {$40.00} which I payed at the clinic
Product: Money transfer, virtual currency, or money service

I hold an account with Chase Bank and am encouraged to use XXXX payment system. When using, there is NO consumer information stating that you should only use with trusted sources. I made a payment and it was received by a " scammer ''. Chase and XXXX have the information of the person that falsely took my money and refused to contact the other bank and retrieve my funds. 

I sent {$300.00} by XXXX on XX/XX/2019 to XXXX I have the cell number of that person as XXXX I tried to stop the payment but Chase and XXXX said with " realtime '' they were unable to help me. 
The transaction number was We sent money from TOTAL CHECKING ( ... XXXX ). 
Print this activity Email address XXXX Transaction number XXXX I then sent a request to return my funds ; Email address XXXX Date requested by None Date declined on XX/XX/2019 Declined reason None I have also made a report with the XXXX Police Department I was told that the same people and email have collected many fraudulent funds. How is their account and email able to have XXXX if it's theft? When I asked, no one could answer. 
There was no warning and no other " disclaimer '' on payments
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer Financial Protection Bureau, On XX/XX/XXXX, I mailed a letter including a copy of the correct monthly payment amounts of my XXXX account reported by XXXX to XXXX and Transunion and XXXX requesting that the incomplete reporting of my XXXX  account information be changed to reflect the correct XXXX reporting of my XXXX account.

I have not heard back from XXXX XXXX XXXX. Transunion and XXXX mailed me a letter on XX/XX/XXXX that the account information has been verified with XXXX  and updated as needed on my credit report. However, the correct monthly payment amounts are missing and not being reported accurately by Transunion and XXXX, but are being reported correctly on my XXXX credit report.

My request is that XXXX reports the same information to Transunion and XXXX it reported to XXXX to give a complete credit reporting of my monthly payments.

Thank you.

Concerned Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, As you can see from my previous complaint - I simply asked Experian, XXXX and XXXX to update my loans/credit cards as paid in full. Without my consent, Experian has removed XXXX XXXXXXXX XXXX which reflects my credit worthiness to other bureaus as showing I am able to pay in full. Im not understanding why these bureaus exist if they never do anything right. I find myself filing a complaint at least 3 times a year. Im also not understanding why they would think its a great idea to remove a file that shows someone credit worthiness. In addition, Im certainly not understanding why they remove items without the consumers consent. 

I repeat : I never gave them permission nor did they have my consent to remove XXXX XXXX XXXX. I simply wanted them to mark as paid in full and I provided the letter showing it was paid in full. My request was simple and straightforward. Im not sure how they can misunderstand such a simple request, and its written. No where in the comments did I say remove. I simply asked for an update regarding payment status.
Product: Credit reporting or other personal consumer reports

I tried disputing this account. I lived in the apartment building but moved out and my ex sign a new lease via docusign without my consent. I tried disputing it. I saw it says off the record in XX/XX/year> it is still on there and it doesnt show that anymore
Product: Student loan

The interest rate went from 5 % to 12.5 % and they will not work with me to decrease it or help with reducing my payments. I paid off the other two loans and they applied the amount paid to the lower interest loans instead of the highest interest loan I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
Product: Debt collection

I was contacted by phone from XXXX right before or around the 7 year date of past due payment to Citizens Bank VISA. I owed approximately {$9000.00}. They did n't tell me I had a right to dispute. They offered for me to settle with them at a reduced rate, of which I had no funds to provide. They said I could work out a payment plan monthly. I told them I could n't afford to pay much back in payments monthly because since XXXX I had been on XXXX. I also told them I know it is my responsibility to pay it back. I wanted to pay it back too. Then I told them I was n't working and had no idea when I would be returning to work. I have n't had substantial earnings having tried several places of employment only to have symptoms return and have to quit the job. Holding employment PT for 6mo or less. I 'm working now since XXXX of XXXX at only XXXX a week as that is all my XXXX and I know that I can manage. 
For the month of XXXX XXXX XXXX did n't take my auto-pay payment and did n't contact me. This payment is taken on or about the XXXX of each month since, I think, XXXX XXXX. I have paid back close to XXXX already. They may have not taken auto-pay because in XXXX I reported a lost or stolen debit card and the XXXX sent me a new one with different debit card #. I called to explain this to XXXX on XXXX/XXXX/XXXX after receiving my XXXX statement but I could only leave a message as the call was n't taken from me. In addition, I called to let XXXX know that I have recently found out that they can not collect XXXX for payment of collections. I am fearful they will take more money from me now that this month of XXXX XXXX the {$150.00} garnishment from my Bank account was not processed, which they may believe is intentional on my part. This would break any phone agreement we made in XXXX. 
I 'm also contacting you to ask, " Can they take this money from me legally? '' And, " Who can represent me if they are n't allowed? '' Thank you for reviewing and responding to my concerns.
Product: Credit reporting 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 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 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 Sections 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: Credit reporting or other personal consumer reports

A person name XXXX XXXX XXXX thats on my criminal background check has my social security number on his information. Me in him. It the same person I dont know him. I need him removed off my criminal background
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following XXXX XXXX XXXX  XXXX credit card account : XXXX thats listed on my XXXX, XXXX and Trans Union credit report, is a fraudulent and unauthorized account. The account is not mine. I never applied for a credit card account with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Dear Equifax, This Notice is a Good Faith attempt to resolve the inaccuracies being reported on my Consumer Report. It has come to my attention, that Pursuant to the Fair credit Reporting Act you are Responsible for assuring Maximum Accuracy of the reported information. However, the XXXX thats stored on my consumer file is inaccurate, incorrect and inequitable. The Reported data is Unsecured Credit representing a Debt that the Creditor XXXX has failed to RECLAIM for the use, continuation, and expansion of this Credit Account. I am being personally Effected by the XXXX XXXX Unfair actions of the inaccurate information being Reported. Based on the lack of Good Faith by XXXX Creditor is at Fault for Failing to show Respects to the Account in providing Adequate Performance to the Terms and Provisions needed for Applicable and Governing laws to be applied for this Consumer Transaction. These actions are unfair, inaccurate and not genuine based on the material misrepresentation of the Credit Account. Please update and make the necessary changes to the Consumer Report by VALIDATING the completeness and accuracy reporting a Credit Account or Delete the false, and inaccurate Reporting of this Account. 

SincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I signed up for the Citi XXXX Card in XXXX and the advertisement said there was a XXXX points sign up bonus after {$4000.00} spending within 3 months, with the condition that " Bonus XXXX XXXX are not available if you have had a XXXX XXXX, XXXX XXXX or Citi XXXX card opened or closed in the past 24 months '', as still posted on Citi 's  XXXX sign up website. 

I met the spending requirement in XXXX, and i never have a XXXX XXXX, XXXX or XXXX XXXX before. However, I never receive the XXXX bonus points, and upon my inquiry to customer service, they said I am not eligible because I closed a XXXX XXXX card in the past 24 months. I asked again where was the language about the XXXX XXXX card posted in the website or in the terms in I received in the card application, they replied that " The offer to receive bonus XXXX points is not eligible for any card products which previously earned XXXX points and were opened or closed within the past 24 months. ''
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX : {$130.00} XXXX XXXXXXXX Balance : {$390.00} XXXX XXXX XXXX : {$130.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$130.00} XXXX XXXXXXXX Balance : {$400.00}
Product: Mortgage

On XXXX XXXX, 2016 I received a phone message from XXXX XXXX stating she wanted to go over some things regarding the previous complaint. I returned the call, spoke with XXXX, after verify all our loan information, she asked how she can help, I told her I was returning a call from XXXX. ( once again the representatives do not know why we are getting calls ) XXXX told me XXXX is a investigator and does not take calls. ( Then why call us asking to call back if she does n't take calls ). XXXX then put me on hold to discuss with XXXX why she called us. XXXX got back on line to say that they are missing YTD information on the pay stubs that we had already submitted. Every one of the pay stubs have YTD information. My husband, XXXX who is the loan holder talked with XXXX and explained where the YTD information was on the pay stub. XXXX understood, took note for the underwriters. XXXX admitted there was " a issue going on '', I talked to XXXX mentioning it did n't make sense we received a multiple letter stating SPS had the received the documents, it also showed on the website under our account that they had received all documents needed and the modification was be reviewed. XXXX told us she would talk to XXXX to figure out what was wrong and call us back. Today, XXXX XXXX, 2016, I checked the website and our account, it now states they need YTD information. We received letters on XXXX XXXX, 2016, XXXX XXXX, 2016 and 2 letters on XXXX XXXX, 2016 stating they have received the documents needed. I have attached scanned copies of each letter. To this date, no one has called us back.