23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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

The credit reporting agencies are reporting a bankruptcy which is against the FCRA privacy law. I don't recognize this public record so I contacted the courts and they stated that the information I gave was never furnished by them because they do not report my private consumer information. Please provide proof from the court that they provided this information because by law the credit reporting agency can not publish information from a third party or without my written consent. Therefore this public record is inaccurate and I demand it be deleted immediately for violation of my right to privacy under FCRA 15 USC 1681b ( 2 ) and the credit reporting agencies didn't have permissible purpose to furnish this information. They are also violating FCRA 15 USC 1681i Procedure in case of disputed accuracy ; if this is not deleted in 4 days I will file a ftc, XXXX and attorney general complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX transferred my loan to a new company called Mr. Cooper. Right before the transfer they did a escrow review and calculated a shortage of {$3900.00} for the year or roughly {$990.00} per month ( this was + $ XXXX/month more than previous months ) to start in XX/XX/2023. My total monthly mortgage payment went from {$1800.00} to {$2100.00} per month overall which includes principal. I've explained to both XXXX XXXX and Mr. Cooper that my taxes have not increased, in fact the actual taxes have decreased this year. I've asked them why am I still paying for a projected shortage due to taxes and insurance increasing when my taxes have decreased and my insurance has increased but not enough to justify this much of an increase. Mr. Cooper, my current lender, insists that they have done their calculations correct for the upcoming year and that is not what I'm disputing. I am concerned that I should've received a refund for the overage that I've been paying these past 5-6 months when the actual taxes have not increased, they are much lower than theirs ( and XXXX XXXX 's ) projections.
Product: Credit card

On XX/XX/year> I made a reservation for XXXX XXXX paid for in points through their website. 

On XX/XX/year> I arrived said XXXX XXXX and used Amex Card as a placeholder. 

After checking out on XX/XX/XXXX, XXXX Amex card was charged {$200.00} by XXXX XXXX. 

Confused, so I called the front desk of the hotel and they directed me to their corporate office and his email. 

On the same day, I filed a dispute for unrecognized charges. Got denied. So I called Amex and they reopened the case, and this time I uploaded all the evidence of prepaid receipts. And the hotel check-out receipt showed no extra fees charged. 

8 weeks passed by, the corporate office from XXXX never replied the dispute case, and Amex refunded the initial charge. The dispute case was closed. 

I checked on XX/XX/year> Amex credit card statement, and recognized there is a dispute credit reversal from XXXX. So I called Amex again. And they explained to me that XXXX sent all the evidence in XXXX and they have explained the decision to charge back through snail mail, which I never received. 

I am out of wit as this is an unauthorized charge by XXXX and I showed the bank the service was prepaid with hotel points the prior month. And the Amex representative pushed me away and suggested reaching out for a point refund from XXXX instead. 

I then called XXXX 's customer service line, and they found my reservation record, but it is not under the credit card that is on hold, and there was no record of the charge from Amex. The representative from XXXX gave me a case number, however, there is no further communication such e-mail confirmation, email follow-up, or phone call. And XXXX is unresponsive as if I am talking to a wall. 

Until today I still have no idea why Amex allowed this transaction despite ample proof this is a fraudulent charge. And I have no idea why my Amex card is being charged in the first place.
Product: Vehicle loan or lease

I pay XXXX XXXX monthly for car payment and I 'm having hardship because I am a XXXX attending college for the next 4 years. I pay for school and rent. I 'm XXXX/XXXX XXXX. I 'm on a XXXX income. I have a XXXX on the way. I need to lower my monthly payment so I can live comfortably with my XXXX. I applied to refinance my car at different banks and were declined due to high mileage on my car. My car is XXXX and is in a good shape.
Product: Student loan

Graduated in XXXX XXXX and moved out of state 2Months later. I opened a checking n savings account with Wells Fargo in my new state of residence in XXXX and since I deposit my check old school, always chit chatting with tellers n personal bankers here in Washington State. I got concerned that I was n't getting any notice/mail to start paying my personal student loan. I asked at least 4times on when my 1st payment was due. The personal banker here in federal way branch ( XXXX XXXX ) and in This is WA reassured me that no payment was showing in the system as due n reiterated that when the first payment was due, I 'd get a statement or something in the mail in advance. 
Reassured, I let the matter go only bringing it from time to time. You can imagine the horror when one Saturday in XXXX XXXX, I received a call on my cellphone informing me I was 2 months late!!! They 'd reported me as past due without any notification of first/any payments being due. I was flabbergasted to learn that they could n't have called my cellphone prior on missing first payment due to autodial laws or something. I asked about what about sending me delinquency notices in the mail? Long story short, they started that on XXXX/XXXX/XXXX they sent one notice informing me my payments were scheduled to start BUT that was to my former college apartment address. Apparently my current address in WA was too hard to find even though I have two accounts ( Checking & Savings ) that I get monthly statements from Wells Fargo for every single month! 
I was proactive and escalated my complaint all the way to the executive team where a team member promised resolution by erasing the reported delinquency as I was not properly notified. Needless to say, a couple weeks later while waiting for something in writing to correct that, another team member named XXXX called me back. Chest thumping started neither she nor anyone else was going to fix the mess. So here we are, I 've decided to NOT make a single payment n closed ALL my accounts withdrawing over {$7000.00} in balance that was enough to pay back over 70 % I owe till this mess is fixed. Enough is enough. Waiting for my say in court.
Product: Mortgage

XX/XX/XXXX Called PHH Mortgage Services to discuss Escrow Analysis. PHH is stating an Escrow shortage and an increase of $ XXXX beginning XX/XX/XXXX. PHH does NOT pay the Homeowner 's Insurance, I pay in full directly to XXXX XXXX XXXX The taxes on the property are only increasing by $ XXXX for XXXX. 
PHH Agent XXXX reports that PHH gets tax information online and does not receive hard copies. Agent XXXX further reports that PHH is paying more in tax than my tax bill states and I need to go to the Tax Assessors ' Office to settle the dispute. 
On the attached documents, it is evident that PHH is using the same tax amount for the XXXX Quarter taxes, {$1400.00} as was paid for XXXX Quarter taxes ( {$1400.00} ) when the actual amount owed to the XXXX for the XXXX Quarter is {$1100.00}. 
On the attached XXXX document taxes do not appear to be paid for the XXXX Quarter.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update these suspicious information. 3 Credit Bureaus must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$5400.00} XXXX XXXX XXXX XXXX Balance Owed : {$850.00}
Product: Vehicle loan or lease

I leased a  XXXX   XXXX   XXXX  fro m hann financial of N ew Jersey the lease was for 39 months, I decided to give the car back with 8 months left on the lease because my wife and I wanted to get the new  XXXX   XXXX   XXXX  in doing so we made the last 8 payments and gave the car back with only  XXXX  miles on it the car was in very good condition with the exception of a few scratches on the bumper and I believe I small Nickel sized dent in one of the doors, so we went to  XXXX   XXXX   XXXX  in new jersey and leased the new  XXXX  and asked if they would  Handel  the turning in of the  XXXX , and they agreed like I say I satistified the lease left the car with  XXXX   XXXX , we use d hann financial agai n for the new lease on the  XXXX   XXXX  we made another lease with hann for another 39 months for  XXXX  per month, would you not say at this point in time we are loyal and a good customer with hann, well about  one  month after turning in the  XXXX  we get a bill in the mail saying we owe  hann   XXXX  in damages also they say the never got the two sets of keys to the car, I left the keys with the salesman that got the car from I trusted they were in good hands what was I supposed to do babysit the car and the keys until it was picked up, so after getting this letter I called hann and asked them how is this possible that a loyal customer like myself can be charged for such petty noncence and that I had no idea where the keys were I left them with the dealership, they did not want to here about it, they wanted  XXXX  that was the bottom line, I told them your not getting a penny from me and hung up on them, how do I get sued from a company for leasing two cars spending in total almost  XXXX  in  five  years, who does this, they got a judgment against me and froze my checking account for  XXXX  leaving me with no money to pay my bills, I had to pay them  XXXX . To get out of this mess, please I hope you can understand my frustration and talk to these people and find out why they would do such a thing a loyal customer that until this day is still doing business with them in the tune of  XXXX  per month for  39  more months they sue me, come on I find this totally absurd, where is the proof they even fixed or made repairs to this car I have none how do we know they did not resell that car with out even putting a dime into it, even so again who does this, please help me
Product: Credit reporting or other personal consumer reports

My email and phone were compromised on XX/XX/XXXX and Ive been drowning ever since. Have Equifax pro and XXXXXXXX XXXX XXXX  but neither have helped and have my old compromised email of XXXX, Ive called many times. Ive tried to work with XXXX now over XXXX hours to get new phones and XXXX XXXX all compromise. My utilities - XXXX  and my security system have been compromised. XXXX out of my XXXX XXXX. They opened a new health insurance card in my name with XXXX XXXX and are stealing all my medications. Im now on some XXXX  list?? I cant get my schedule XXXX meds or any for that matters. Its ruining g my life.
Product: Debt collection

This company have been notified me not one time of the issue. They just reported it on my credit. Ive been through this XXXX times with XXXX XXXX They sold it to another creditor. They are keep putting this on my credit to XXXX XXXX. I can not afford this Im on Social Security, can this be please be removed thank you
Product: Payday loan, title loan, personal loan, or advance loan

My solar loan lender '' sunlight financialXXXX XXXX '' was making advanced payments to my contractor XXXX XXXX prior to work being completed, permits taken, inspections passing and XXXX issued.My lender also did not do their due diligence PRIOR to paying contractor. 
Now sunlight financialXXXX XXXX is demanding payments.There were many violations that XXXX XXXX violated and was obvious to Sunlight Financial.I have repeatedly spoken and emailed Sunlight financial over the past XXXX and a half years that the panels were not properly installed, no permits etc.XXXX XXXX  eventually removed all panels from my roof, leaving the connection box attached to my house and stored panels in my backyard and now my roof is leaking and mold has formed.Sunlight financial was informed of all this and they ignored me.My city is threatening to fine me for violations and i have to appear before the magistrate. 
I also have requested documents to be sent to me on my complete file, proof of installation meeting each milestone { per loan contract } and any documentation giving Sunlight financial/XXXX XXXX permission to pay XXXX XXXX in advance without my consent.
Product: Student loan

I am a government employee who qualifies for PSLF. I have been making payments on my loans since XX/XX/XXXX. There were no interruptions of payments as every month the payments were deducted automatically from my bank account. At no point did I request a forbearance nor was I aware of my account going into forbearance. Last year, XX/XX/XXXX, I submitted my form for PSLF. Once I requested to be considered for the Public Interest Loan Forgiveness program, my former lender, XXXX, transfered my account to XXXX. At no point was there an interruption of my payments as I mentioned above the payments were automatically deducted. Today, I spoke to XXXX to inquire about the status of my PSLF certification. I was informed by the rep that only one payment ( XX/XX/XXXX ) qualified for PSLF out of all the payments I made between XX/XX/XXXX-XX/XX/XXXX because of an administrative forbearance that was placed on my account without my consent. Again, I have been making monthly payments on my loans the entire time. When I asked the rep about the forbearance she stated it was placed by XXXX from XX/XX/XXXX-XX/XX/XXXX. I asked to speak to someone who could assist me in this and she informed me there was no one to speak to but she can send my PSLF application for review. This infuriates me. I have been paying off my student loans diligently and I don't want to get screwed by this lender. Please have someone get in touch with me asap because I do not trust XXXX and XXXX to take care of this. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of Company : XXXX Name of account : XXXX XXXX  Account # : XXXX I asked the credit bureaus to do a verification of everything on my credit report, which they stated that they verified/updated the information. I did my own research and have still found improper inaccuracies on my credit report even after they stated the information is verified/updated. 

The dispute letter I sent to the credit bureaus on XX/XX/22, which I have the XXXX receipts for. They sent me back the response on XX/XX/22. 

The inaccuracies are in Date opened and Date last active, all showing different information, even after their investigation. Even the high credit and credit limit portions are showing differing information. 

In accordance with the Fair Credit Reporting Act XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

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

Midland Credit Management charged my bank account XXXX times during a dispute. Also, they charged XXXX different bank accounts for different amounts during the same month.
Product: Vehicle loan or lease

As a federally protected CONSUMER I requested an extension of my credit from XXXX for family and household purposes and they processed the transaction with Santander. Santander fraudulently required me to put a downpayment to receive my extension of credit. Not only did they do that, but when I found a car for less money, they raised the down payment amount to {$21000.00} making the terms of the credit transaction impossible for me to move forward with. Santander is in violation of TILA. Santander has unauthorized use ( XXXX5 usc 1602 ( p ) ) of my credit card in which they received my number but of no benefit to me. It has only harmed my chances of bringing home the car. I am fully prepared to exercise my right to remedy under TILA and will avoid going through the normal channels, but to the trustee indenture, then court. This is not a full reflection of violations against me and actual damages have been experienced by not being able to bring home a new car. 15 U.S.C. 1602 - ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX there should be no other names listed on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX any other address is not mine and is not deliverable by the United States postal service so therefore it should be deleted immediately. Since XXXX, Experian, and XXXX sell personal information this incorrectly reported information can only be obtained through monetary transactions so who is providing this information as accurate as I have a right to examine it to see if it is correct.
Product: Debt collection

Notified lvnv funding that debt was not mine and they are still trying to collect i would like the debt removed from all three credit burros and stop all attempts to collect
Product: Credit card or prepaid card

Citi shut down my double cash rewards account a couple months ago and under the circumstances feel I am entitled to the cash back of approximately {$220.00} I earned this statement period Citi had shutdown a savings account that had over {$100000.00} in it a couple months ago that was never overdrawn for no reason. My credit card got closed with no notice and the only explanation they gave me was that they decided they didn't want to do business with me after closing the savings account. 

This account was never late and paid in full every month. In the five years I have had this account I didn't pay any interest. 

My complaint is that I made a couple large purchases that would have gone on another card had I been given notice they were closing the account as opposed to giving Citi the transaction fees. They conveniently close the account mid-period with no notice so I couldn't get the rewards I earned. I feel they should have given given my notice and closed the account after the cashback posted. 

I feel citi should have to give me the cash I earned this billing period seeing the account was not past due and ALWAYS paid within their terms and they closed the account without reasonable cause. If I decide I don't want to do business with Citi anymore and close the account before the statement closes, I am still expected to pay citi for the charges incurred those days the card was open and Citi should be expected to the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mines these unauthorized accounts are fraudulent and even in ligation so therefore I'm demanding that these accounts are removed immediately from my credit files. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX  {$180.00} 3. XXXX XXXX {$570.00} 4. XXXX XXXX {$170.00} 5. XXXX XXXX {$810.00}
Product: Credit reporting or other personal consumer reports

I rented an apartment from the XXXX at XXXX XXXX in XXXX, TN. I completed my original lease agreement, but requested a few days for an extension. I was moving my mother to TN from a nursing home because she was being abused and I finally found an apartment that could accommodate her and my son and handicapped  accessible. She refuse to honor my notice and said I have to pay a full additional month of market rate of about {$3000.00}. I had to buy my mother 's medicine until Medicaid kicked in for over {$2000.00} for XXXX. Therefore, I had a delay with paying the bill because I was also paying the other rent because she refuse to extend the original dates for a few days. I even explained the situation ahead of time. If she had accepted the 60 day notice and extended a few days out, this should have only cost about {$300.00}. 

However, when I went to settle the debt, she said the amount is now {$4200.00} because they added a collection fee. This is extortion and unethical. They refuse to negotiate a lower amount and now this is on my credit and I can not find another rental property to rent because this cause a denial.
Product: Mortgage

Our mortgage lender caused us to almost have to terminate our deal twice due ti lack of communication, follow up, and due diligence. He cause us to push closing twice and did not do anything to try to resolve the situation - working with the HOA to properly resolve questions to finalize the loan. We were personally approved, but were awaiting HOA approval from the lender. I'd like to file this complaint specifically against XXXX XXXX of Edge Home Financing.
Product: Debt collection

American Express has repeatedly called several of my family members. The have contacted my father two times  leaving voicemails stating the nature of his call and left for specifcally adressing me not my father, the last call/voicemail was left on XX/XX/2019. They have contacted my brother XXXX XXXX twice and left voicemails stating the nature of their business and specifically adressing me not my brother. The most recent phine call/voicemail to my brother was on XX/XX/2019, also during which he stated that i have failed to address the issue with him several times now. It is the same person named XXXX? who claims to be my senior account manager. I spoke to a person with American Express in early XXXX and discussed my financial situation and that i could not pay the debt currently. They have now chosen to harrass my family members and attempt to tarnish my image with them.