23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX, NJ XXXX XXXX XXXX, 2016 Caliber Home Loans XXXX, OK XXXX Account Number : XXXX RE : Request for Payoff Statement TO WHOM IT MAY CONCERN : We are writing to request Caliber Home Loans provide us with a Payoff Statement pursuant to 12 CFR 1026.36 ( c ) ( 3 ). For the record, we continue to dispute the validity of the alleged debt. 

" PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling, a creditor, assignee or servicer, as applicable, must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time, but in no case more than seven business days, after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you. 
Sincerely, XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I FILE AND EARLIER COMPLAIN ON THIS ISSUE AND THE ISSUE HAS NOT BEEN RESOLVED. ON XX/XX/XXXX MY CAR LOAN WAS PAID OFF AFTER I TRADE MY XXXX XXXX XXXX IN FOR A DIFFERENT CAR.. I WAS INFORMED FROM A REPRESENTIVE THAT MY BALANCE ON THE ACCOUNT IS XXXX AND PAID IN FULL. I SPOKE TO THEM REGARDING I WAS STILL MISSING PAYMENTS ON THE MONTHS THAT IS STILL NOT LISTED ON MY CREDIT REPORT AND ONCE AGAIN I WAS INFORMED THAT I WOULD HAVE TO TAKE IT UP TO THE CREDIT BUREAU. THROUGH OUT THE 15 MONTHS IVE BEEN DEALING WITH THIS ISSUE AND THAT IS ONE OF THE REASON I CHOOSE TO GET THIS CAR LOAN PAY EARLIER I CAN SEE IN GOING THROUGH THE NEXT 5 YEARS OR SO DEALING WITH THIS SAME ISSUE. SO LAST FAST FORWARD ON MY XXXX XXXX CREDIT REPORT I AM MISSING PAYMENTS THAT I HAVE MADE AND IT DOESNT SHOW ON MY XXXX XXXX CREDIT REPORT. EARLIER I DISPUTE THIS AND THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND ONCE I FILE DISPUTE ABOUT IT IT WAS PUT BACK ON MY CREDIT REPORT. THAT IS WHY I CHOOSE NOT TO GO DIRELY THROUGH XXXX XXXX AND DISPUTE I DONT WANT THE SAME THING TO HAPPEN AGAIN. ONE OF THE REASON WHY IT WAS DELETE IS BECAUSE CREDIT ACCEPTANCE DIDNT GET BACK TO THEM WITHIN THE 30 DAYS OF THE DISPUT PROCESS AND THAT WHY IT WAS TAKEN OFF. SO I WANT THIS ACCOUNT UPDATE TO SHOW ALL OF MY PAYMENT THAT I HAVE MADE ON THIS ACCOUNT. IT SHOULD SHOW PAYMENT FROM XX/XX/XXXX THROUGH XX/XX/XXXX WHEN THIS ACCOUNT WAS PAYED IN FULL. THE BALANCE SHOULD BE A XXXX BALANCE AND IT SHOULD SHOW PAY IN FULL NOTHING LESS THEN THAT. I AM MISSING PAYMENT HISTORY ON THE FOLLOWING MONTHS ON MY XXXX XXXX CREDIT REPORT PAYMENT FOR THE MONTH OF XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND THE ACCOUNT WAS PAY IN FULL FOR XX/XX/XXXX.  WHEN YOU COMPARE MY CREDIT REPORT FROM XXXX AND XXXX IT SHOWS A DIFFERENT ON EACH REPORT. REGARDS OF THAT ON MY XXXX AND MY XXXX  CREDIT REPORT IT SHOULD SHOW A XXXX BALANCE AND PAY IN FULL NOTHING LESS THEN THAT. ON MY XXXX CREDIT REPORT I AM MISSING MY XXXX PAYMENT AND IT SHOULD SHOW LAST PAYMENT MADE IN XX/XX/XXXX. FINALLY THIS ACCOUNT IS PAY IN FULL SO IT SHOULDNT BE ISSUE IN GETTING MY PAYMENT HISTORY UPDATE CORRECTLY WITH THE BALANCE. I UNDERSTAND THEY UPDAT ONCE A MONTH ON THE XXXX DATE OF EACH MONTH. I ALSO UNDERSTAND THE ACCOUNT WAS RECENTLY CLOSE BUT I PREFER TO GET ALL OF THIS ISSUE RESOLVED WHILE THEY ARE GETTING EVERYTHING CLOSE OUT
Product: Credit reporting or other personal consumer reports

Experian is reporting the status of the following accounts as XXXX through Bankruptcy XXXX XXXX. They removed an unverifiable bankruptcy from my report therefore these accounts should not show bankruptcy in the status. 
XXXX. XXXX XXXX please remove bankruptcy XXXX. 
XXXX. Bank XXXX XXXX please remove bankruptcy XXXX XXXX. 
XXXX. XXXX XXXX- please remove bankruptcy XXXX They are reporting inactive on XXXX XXXX  in status. Please remove the Inactive for this account.
Product: Mortgage

On XX/XX/2021 I paid PHH mortgage for an Appraisal in the hopes of refinancing my home with PHH Mortgage. The amount paid was {$770.00}. The appraisal took place and was conducted XXXX week later at my home. I received the formal appraisal report in an email around XXXX. Since that time I determined I would like to use a different Lender ( not PHH Mortgage ) to provide my home refinance. I have gone through all the underwriting approvals with the Lender I am going with ( XXXX XXXX XXXX ). The only thing holding up approval on my refinance loan is the Appraisal. I provided PHH mortgage a copy of a simple 1 page Transfer or Release of Appraisal form to Switch the appraisal to my desired lender. After many weeks of no replies, being put on lengthy phone call holds and getting the run around from PHH Mortgage, I was told from them today that they would not transfer the Appraisal? I am not sure what to do here as I personally paid for the Appraisal and the desired Lender ( XXXX XXXX ) has all the needed documents to close my loan other than the appraisal report. Please help!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ALSO THESE INQUIRIES ARE NOT MINE XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX Inquiry from  XX/XX/XXXX All Banks XXXX XXXX  Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Mortgage

My mortgage went up {$600.00} a month due to property taxes and we paid the overages for XXXX months. The problem was rectified and then the mortgage company got the updates but said our mortgage will remain at this impoverishing amount until maybe XXXX. 

If we pay on what we cant afford them of course we wont pay on time because we do not have it- they are going to throw fees on top of monies that we dont owe that wasnt paid in a timely fashion. 

This is unfair as our mortgage is an important bill and I am the mother of twins and simply can not pay the overages just because a company is too lazy to make changes effective now. This is unfair and it is deceptive because when I was giving them the new information they told me that it would be ready by the time XXXX mortgage is due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an investigation request to Experian on XX/XX/XXXX. I was supposed to get a response within 30 days, but I have not.
Product: Credit reporting or other personal consumer reports

THESE INQUIRES ARE FRADULENT I HAVE BEEN DISPUTING SOME OF THESE FOR QUITE SOME TIME NOW. 15 U.S. Code 1681i PLEASE REMOVE THESE INQUIRES. I HAVE NOT APPLIED FOR A LOAN. 

XXXX XXXX XXXX XXXX Installment Loans XX/XX/XXXX Experian XXXX  Installment Loans XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX Experian XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Auto Loans XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX Experian XXXX XXXX Auto Dealers , Used XX/XX/XXXX Experian XXXX XXXX Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX  Auto Financing XX/XX/XXXX Experian XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX Experian RECENTLY XXXX STATED THEY HAD A BREACH AS WELL AS XXXX XXXX XXXX THEY MUSTVE TAKEN MY INFORMATION
Product: Debt collection

I tried/signed up for a phone plan with XXXX XXXX back in XXXX of 2020. I never received the SIM Card in the mail after 3 times calling and them saying they sent it. I could not utilize the phone or service during this time and was never able to use the service because I never received the SIM card to activate the plan. After hours of time trying to get help I was unsuccessful. Finally I got so frustrated I canceled the plan and signed up with XXXX. 

I kept receiving bills to my e-mail from XXXX and called more than 3 times and was assured the plan was canceled and not active and I should disregard the bills. Well they never stopped coming and I called/chatted/etc ... at least another 3 times and kept getting the runaround. Well sure enough I recently received an email followed by 2 letters from a Collection agency called Convergent Outsourcing Inc . I watched my hard earned credit score plummet XXXX Points!! 

This is an outrage, I tried and tried to call XXXX but that call everytime is routed to Convergent where they give you the same runaround. After asking for a supervisor etc I was once again assured this will be dropped and go away. Well surprise I got a " Final Determination '' letter in the mail the other day saying " This debt is valid, attached is verification of the debt. What was attached were the bills I kept receiving from XXXX even though I had never used their service not even for one minute! 

You simply CAN NOT speak to a person at XXXX unless you are signing up for a new plan. Other than that you are on your own. Horrendous experience from such a prestigious company they have gone horribly wrong. 

Please help me get them held accountable.
Product: Credit reporting or other personal consumer reports

XXXX  MISCHIEF ( $ XXXX {$2500.00} ) XXXX  XXXX  XX/XX/year> Is the wrong ( conviction ) I pled guilty to ( misdemeanor ) and have never received a felony. 

With court documents to prove my statement Im making now, ( I was misled by my lawyer ( XXXX XXXX ) who was the very person representing the other party. She was my girl friend ) my lack of the law and what opting into what seemed like the only options has been my biggest regret in life. I already dont get the chance to get the good jobs. Please help me with the correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. 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 creditor/CA in question. Sending out a generic form through the XXXX  system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX  # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX # XXXX 5. XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. Equifax and XXXX refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX/XXXX  on Equifax and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file XXXX XXXX
Product: Debt collection

Yes I did received the summons from court about credit card/ XXXX XXXX, XXXX XXXX always I try to negotiating to reach a payment agreement with the plaintiff and I use email contact is the only way I can have everything writing and save the communication between me and the other part. This is not the only one I already did the same process with 6 debts and everything went well with help discount, they help me. But this company which I am talking about NO. On Thursday XX/XX/2022 around XXXX XXXX. This company and my self made a agreement of monthly payment of {$100.00} starting on XX/XX/2022. XXXX XXXX XXXX by his writing said : He will mail me an agreement to sign and return to their office so They can sent to the court of Maryland. From the beginning he knew abouXXXX XXXX XXXXXXXX  and the amount, there was not confusion. 3 days after on Monday XX/XX/2022 Paper work come home with different debt, different case number from Maryland court.. Debt I do not recognize and Maryland court also due to lack of evidence.. But He is still want me to sign and make responsible for that.. At this moment still waiting for the paper work to sign for XXXX XXXX debt.. Now I have to go to court due to them. I feel they harassed me to be responsible for the other account.
Product: Credit card

I have this credit card mercury I also have. 
A XXXXXXXX XXXX  Claiming that I'm old them a balance. Also, there is an XXXX credit credit card. There's also XXXXXXXX XXXX  Claiming that I have a an account with them with a balance. That I have to pay. And they are messing with my credit score. I asked these companies when they called for a debt validation claim I wanted full detail list of payment histories. 
I wanted to see original signature. That I agreed to sign with the original creditor. And? 
Has there been any insurance claim found on this debt or these debts?
Product: Credit reporting or other personal consumer reports

There are some errors I noticed on my credit report. I was never late on these accounts. All payments were made on time.
Product: Debt collection

Collection Service Center is reporting a debt that has been paid. I have attempted to remedy this with the Collection Service Center phone service but they have unprofessionally refuse to fix their mistake. I have attempted both of the phone numbers listed, XXXX and XXXX and XXXX has rudely hung up on me several times. 

Below I have provided evidence that this has been paid and that I have attempted to fix the issue with Collection Service Center.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my mortgage off with XXXX XXXX XXXX in 2019 however Experian is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with Experian and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never corrected.
Product: Credit card or prepaid card

I scheduled a monthly-balance pay in full payment of {$13000.00} to my Apple Card by Goldman Sachs XXXX Apparently I also accidently scheduled an additional payment for {$8300.00}. While the payments were still pending on XX/XX/2023, I called Apple Card Support at Goldman Sachs and told them I needed to cancel the {$8300.00} and only meant to pay the {$13000.00} to avoid interest. They said that wasn't a problem and submitted a " payment inquiry '' and said the {$8300.00} would be cancelled and not to worry about it. Then both payments came out of my checking account, the {$13000.00} was sent back as insufficient funds. I was then charged interest. I reached out again via Apple Card XXXX Text on XX/XX/2023 and said I was told incorrect information costing me interest. They said they will submit another " payment inquiry '' and fix it and refund the interest charges. This never occurred. I called a few days later again and they said all of that information was correct and there is nothing they can do about it. I was charged {$120.00} in interest, and another {$75.00} in interest is pending, when I never carried a balance over from a prior month before and never paid interest. I need the interest charges back and I need the balance to stop revolving. If I would have been told correct information I could have transferred money from my savings and avoided the fees. They gave me incorrect information, costing me fees. I believe this is against UDAAP.
Product: Credit card or prepaid card

On made a payment on XXXX/XXXX/XXXX at XXXX p.m. My credit card company would not let me post my payment for XXXX/XXXX/XXXX, therefore I had to select the date XXXX/XXXX/XXXX. XXXX/XXXX/XXXX was grayed out on the calendar. 

I sent the credit card company an e-mail stating that I think that it is unfair that I go to make a payment at XXXX p.m. at night and I am not allowed to make the payment for today. I had to make the payment for tomorrow 's date, therefore I will incur a late fee. My due date is XXXX/XXXX/XXXX, which is the date that I attempted t make a payment for. 

I paid the card off with that payment by the way. 

I advised my credit card company that if a fee is assessed because I was not allowed to make a payment on the date that the payment was due, I would cancel my card. 

Since the fee was not assessed, I did not request to cancel my card. 

Then on XXXX/XXXX/XXXX, I received an e-mail stating that my account had been cancelled per my request. 

I never requested for this account to be cancelled. I advised them that if they charge me an unfair fee I would cancel.
Product: Debt collection

This debt was sold to a third party who has called me 19 times in 5 days at all hours of the day including before 8 and after 9.