23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I never received a bill due XX/XX/XXXX from XXXX Comentity Visa and was told nothing was sue for that date. I had paid the bill due XX/XX/XXXX in full but was charged interest because the credit card company had not received it in time, although I had mailed the payment on XX/XX/XXXX. The credit card company removed the interest charge for XXXX because I argued that it invites payments by mail and I can not control the speed of the mail delivery. Similiarly, it is not my fault that I didn't receive the XXXX bill and even though I called the credit card company, they said nothing was due. I disputed the bill XX/XX/XXXX and only paid the amount that I calculated was due. I was later mailed the bill that was actually due XX/XX/XXXX weeks later. 
Because I did not pay the full amount due for XXXX, even though I questioned the bill and was not provided a full itemization of charges until a copy of the XXXX XXXX was sent, I was still charged interest. 

I demand that all interest penalties and late fees be returned to me and that the credit card company report to all credit rating bureaus that all of my payments have always been current.
Product: Credit reporting or other personal consumer reports

XX/XX/year> webpage has XXXX  while customer is XXXX illiterate term XXXX  from XXXX with a state issued legal name and perfect credit file. I am not able to delete account or webpage and reapply with legal name. XXXX migrated a credit report of a one party system name to US legal name file and I don't believe one party system staff of forbidden name can comply with banker 's legal name correction and refuse to allow finances for US citizen and XXXX  illiterate  term XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX. 

You Deleted the item from my report, and then you allowed the company to report it again which is a violation of the FCRA, to prevent legal action please promptly remove the item from my credit report as it was before the item was deleted and I have records of that including but not limited to the letters of communication sent to you that resulted in the deletion of that item from my credit report. 


The item is fraud and resulted from identity theft And was deleted due to those circumstances and the investigation proves that correct. You must delete the information promptly to avoid the penalties of violating the FCRA. 


Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

The current situation is causing me a great deal of distress and XXXX.
Product: Debt collection

I have paid XXXX XXXX XXXX in full. Credit Management is still collecting on a debt that they know I have paid in full directly to XXXX XXXX. I called Credit Management to inform them that this account was paid in full ; however, is still reporting on my credit negatively. I am not sure how they are able to collect on a debt that has been paid in full to the original merchant XXXX XXXX XXXX XXXX. 

When I made the payment with XXXX XXXX, I was told that since I was paying my debt in full that it would be deleted from my credit report, as I do not owe anything else.
Product: Mortgage

Started : called my phone I had as a contact marked " House '' my mortgage payment phone number. XXXX Told me they could modify loan 1. Pay escrow 2. Three trial payments in 2 months period 3. If meet then I would have new payment amount new interest rate and added to back of loan. I had signed up for forebarance with specialized and they ( scammers ) told me the dates correct XXXX to XXXX and they are calling in XXXX seemed right. Told me taxes were XXXX they needed XXXX XXXX prepaid cards. I bought 3 for XXXX each at XXXX he waived XXXX for my fee on buying cards. Then XXXX first payment of XXXX but again he said XXXX is fine and waived for fee. I asked for confirmation he sent to my email had mortgages logo on receipt. 2nd payment I was having car problems and they started rushing me to get prepaid card and when would I be calling it in they needed it by XXXX called several times that day. I Final got mad at them told them I didn't think they were legit. There were two different men I talked to XXXX XXXX supervisor and XXXX XXXX case manager have phone numbers and extension. My mortgage company was out of Colorado ( XXXX XXXX sold it ) one of the area codes they called from was XXXX ( XXXX, tx ) and other was XXXX. Was told from my true mortgage call center that they did their own debt collection he wouldnt take any of the scam numbers to check out just sent me forms to fill out for help on mortgage I think to modified payments what all started with the scammers. I also received envelope from XXXX XXXX XXXX  XXXX. XXXX, tx XXXX saying they are debt collectors area code ( XXXX ) again and they have my info. I asked specialized about this name and was told he was not aware of such. I so confused what and where to send and who is legit or fake. I lost {$1900.00} to these creeps and still owe taxes and back payments I am going to lose my house and have been here since XXXX  paying on mortgage I have XXXX XXXX cards and receipts even though they told me to cut them up. I know it is now XXXX but it made me utterly sick and dealing with this on my own my husband became incarcerated XXXX and couldn't help. Please help me retrieve my money I am XXXX  right now looking. Thanks XXXX
Product: Credit reporting or other personal consumer reports

The following accounts below are claiming to both own the same debt, with a balance. As you know this is not possible and also a violation of my rights. Because of this, BOTH accounts need to be removed from my credit report immediately. Due to not properly validating the information in which a company has passed to you. Please delete immediately. When the requested accounts below deletions are made and removed. Please mail me an updated copy of my credit report.

ACCOUNT 1 : ( XXXX XXXX ). 
ACCOUNT 2 : ( XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, TransUnion and XXXX are in violation of FCRA 623 ( a ) ( 6 ) ( B ) which states " If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency ''. As of XX/XX/2020 this trade line still appears on my TransUnion and XXXX   credit reports when I have on multiple occasions disputed this trade line as being opened without my knowledge or consent. On XX/XX/2020 I sent the attached letter to XXXX XXXX XXXX at the address specified by a XXXX XXXX XXXX XXXX representative on XX/XX/2020 at XXXX XXXX to reiterate this along with the attached FTC affidavit via certified mail. Also attached is certified mail tracking information which shows the letter was received on XX/XX/2020 at XXXX XXXX. I subsequently called XXXX XXXX XXXX XXXX on XX/XX/2020 to verify receipt which the representative confirmed. Per my rights under the FCRA I am considering the possibility of litigating this matter if not properly resolved. A XXXX search of XXXX   complaints for XXXX XXXX shows I am not the only person that has experienced extreme difficulties in XXXX XXXX XXXX XXXX and their credit reporting practices and this seems to be a pattern and part of a strategy to purposely report incorrect information to the credit bureaus. XXXX XXXX XXXXXXXX
Product: Credit card

I purchased an item from Macy 's and returned it before the payment was due. My account was charged a late fee and was charged for the " discount '' of the item I purchased. Later a payment was withdrawn in error from a closed checking account. When I called to inform them and asked them to stop the withdrawal they refused and attempted XXXX more causing charges from the bank. They agreed to waive the {$21.00} balance on my account and sent me an overpayment check for some of the charges. A month later I get a statement with a balance again even thought I have n't used the card. I call and they say it will be waived to zero. Today I receive a statement and the balance has doubled. I called and they said they made an error and it was n't waived and now they have charged another fee and reported it late on my credit report.
Product: Credit reporting or other personal consumer reports

They are reporting an account for XXXX XXXX XXXX as having late payments when it does not. The creditor sent XXXX, XXXX, and Transunion all a notice over 60 days ago stating a request to remove the late payments. They also sent the same letter to me as a reference. The reporting agencies have yet to remove the late payments stating they are verified, they cant be verified if the creditor requested removal.
Product: Credit reporting

XXXX, XXXX ( Collection Agency ) continues to report that I open and account with XXXX XXXX XXXX XXXX and claims that I owe {$1100.00}. I never open account with XXXX XXXX XXXX XXXX. I have dispute item with Equifax several times and requested that Equifax obtain documents from XXXX showing that I had or requested services from XXXX XXXX XXXX XXXX such as a signed installation order
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a complaint to Transunion that I am a victim of identity theft. In response to Transunion, I XXXX XXXX Give authorization to Transunion to continue working and investigating my claim of Identity theft.
Product: Debt collection

This company has not responded to the original complaint I filed through CFPB in XX/XX/XXXX. Yet, since then they have updated my credit report several times, increasing the balance every single time. Everytime I have had it investigated through XXXX, they respond to XXXX stating they have " corrected the balance ''. They never actually " correct '' the balance, they add bogus charges and it passes XXXX 's dispute process because they claimed they've corrected their error. 
This is such a fraudulent, conniving and manipulative practice and I can't believe they are still getting away with it.
Product: Debt collection

The home depot has closed my account according to XXXX, XXXX and XXXX. My home depot card has not been working since last year. 15 USC 1681 section 602 ( A ) States I have a right to privacy. 15 USC 1681 section 604 ( A ) section 2.It also states a consumer reporting agency can't furnish an account without my written permission. I know they have violated the Truth in Lending Act. Under Tila consumers are protected against deceptive practices of misrepresentation, failure to disclose, unfair credit practices, and unfair credit billing, charges made in the wrong amount, charges that appear on the bill but where not actually processed by the consumer. Also referred to as unauthorized charges. Credit Card companies are ordered to provide statements for credit accounts at least 21 days before payments are due. Finally, failure to properly reflect charges or payments to credit or charge accounts.
Product: Money transfer, virtual currency, or money service

Hi, Second complaint the same day against the same company : Coinbase Inc. 

Coinbase just closed the currency trade for Ethereum and Litecoin. It is UNACCEPTABLE asthe market is NOT closed and crypto-currencies have very large and fast variations. The buys and sells of those two crypto-currencies are now XXXX for an unknown reason, my money is LOCKED and ca n't be sold when i decide it that can result easily to a LOSS OF MONEY. To disable functions can be understood, but to disable to possibility to SELL is a major fault that can result to very bad consequences of money loss. 

Coinbase Inc seems to be managed by kids or irresponsible persons those days, jeopardizing the funds of its customers. This is unacceptable for an authorized crypto-currency company in the US. 

I hope and trust the CFPB will know how to resolve this. This is an unacceptable manipulation of the market. Tiding money is a fraud. 

Thank you.
Product: Credit card

I am filing another complaint from the initial complaint, XXXXbecause their reply and information provided were completely incorrect. 
Briefly explain ; US Bank stated that I only spent {$31000.00}. However, i added up all the statements from XXXX XXXX to XXXX XXXX, ( XXXX calendar year we are in subject to ) I actually spent {$36.00}, XXXX. 
If I spent more than $ XXXX, I am eligible to receive XXXX bonus miles. 

They also forget to mention that I would receive XXXX bonus miles if i spent {$15.00}. 

It is very frustrating that I have to waste my valuable time to look up all the statements and add up all the purchases. 
I have attached the total ( wrote the amount I spent each month shown on the statements ) so US Bank easily understand. And to make sure do pay attention when they reply next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

My TIAA Mortgage Lender called me on XX/XX/2019 to inform me that my XX/XX/XXXX mortgage payment was 30 days late. I explained that I have auto pay set up on my account, and they explained that it was no longer in place. I contacted a supervisor to explain that XXXX XXXX ( my bank ) experienced a fire on XX/XX/XXXX, which impeded any bank activity for three days. So, my mortgage payment was denied. I spoke to a TIAA mortgage representative who helped me make an ACH payment over the phone, but she failed to explain to me that TIAA would be attempting a second time to debit my " auto payment '' two days later. She was a new employee and was not familiar with the protocol. Given I would not have enough funds in my XXXX XXXX checking account to cover a second mortgage payment two days later, I canceled the ACH payment. TIAA was able to debit my payment via my auto payment option. Apparently, when I canceled the ACH payment, the TIAA mortgage rep canceled my auto payment option. So, I was not aware that my mortgage had not been paid on XX/XX/XXXX. ( But, I did successfully make my XXXX mortgage payment when they debited me the second time ). Also, when I spoke to the TIAA Mortgage Lender rep on XX/XX/2019, she said that they had sent me a letter on XX/XX/XXXX informing me that my XX/XX/XXXX payment was late. I explained that I had never received a letter and I open my email every day. I also never received a phone call or an email alerting me to this fact. When I arrived home from work on XX/XX/XXXX, I found a letter from TIAA telling me my mortgage was late! I also asked the representative over the phone, and she said the late payment had been reported to all three credit bureaus! I believe TIAA is behaving fraudulently in order to force me into default. I made the payment immediately over the phone to TIAA on XX/XX/XXXX for my XX/XX/XXXX mortgage payment, and it was credited to my loan on XX/XX/2019. I also pulled a copy of my credit report online and disputed the adverse reporting on XXXX. I received a notice today ( XX/XX/XXXX ) that my dispute had been addressed, but I can't tell if the adverse posting was removed. Also, I had trouble disputing it with XXXX   and XXXX  online. Their online dispute claim pages kept bumping me off. So, I am reaching out to you for assistance to remove the adverse reporting regarding TIAA on all three credit reporting agencies. Please advise. Thank you!
Product: Mortgage

I am a wells fargo non escrow customer and In XXXX XXXX Wells Fargo contacted me via mail to state my property tax payment was in default. I stated to them I was paying my property tax using a payment plan with my county tax department and that I was not in default status. I presented wells fargo with all supporting documents to show that I was on time with my payment arrangement. They stated they understood and as long as if I continued with my payment arrangement they would not interfere. In XXXX XXXX I received notification that they made my account an escrow account paying past taxes which I was paying on a payment arrangement and the current tax payment for XXXX. When I called Wells Fargo the representative stated " we made your account an escrow account as a preventive measure so you would not go into default. '' At no time did any representatives from wells fargo ever call me to discuss my account status and to see if there was a action being taken against me. After many phone calls and debates I notified executive services of my complaint with their non escrow department and my financial hardship that I have now been placed under. This hardship that wells fargo placed on me by now demanding I pay back this money in 60 months and not allowing me to refinance or go through a loan modification stating I can afford the new payment due to my GROSS earnings has placed me to consider foreclosure and has made my family in crisis My original payment I was paying was XXXX wells fargo is now requesting me to pay XXXX. This is a XXXX increase. I have pleaded with wells fargo to review my finances using my net income and expenses and to allow me to have a conference call with their underwriter to discuss my loan status I was told no that that the underwriter is not available and that no representative would talk to me. I was informed to appeal my case and submit documentation explaining my situation. I stated to the representative that I am confused and really need to speak to someone. I also told the representative I have been a good customer never late on a payment and deserve the opportunity to speak to the underwriter. I also stated why would the bank not consider extending the payment of the escrow account owed so the payment could be more affordable. I am confused why they are unwilling to work with me and have me go into default. I also was informed if I pay my original amount of XXXX they would reject the payment amount. I can not express enough the emotional turmoil this bank has placed on me for a situation they had caused.
Product: Mortgage

There were XXXX home equity loans that I had taken out in XXXX ( for US {$100000.00} and US {$30000.00} ) from Citibank. They were satisfied when we took out a XXXX home equity loan from Citibank for a larger amount ( US {$250000.00} ) that involved satisfying the first XXXX home equity loans. The XXXX home equity loan was fully paid off in XXXX and the lien has been removed from the title. However, the lien for the first XXXX home equity loans was never released and recorded with the county ( XXXX ) as was to have been done. I am in the process of selling the house, and the first XXXX home equity loans ( for US {$100000.00} and US {$30000.00} ) are showing up as liens on the house ( see attached ). I have contacted Citibank several times and have not been successful at finding someone who can help me as they are now showing any active mortgage or home equity loans. I have been transferred repeatedly and have also faxed information, but am unable to resolve the issue. I would appreciate it if you could provide assistance in having them send me the paperwork showing that the XXXX home equity loans have been satisfied as soon as possible as this is delaying the closing of my house. 

The address for the house is : XXXX, NY XXXX I have also attached the information showing the two liens from Citibank on the title.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX that my score dropped 80points within 30 days time in error. XXXX XXXX reported a XXXX late payment twice when they should have only reported once. I called the company and even got the XXXX XXXX XXXX involved. XXXX XXXX then had the missed payment removed. XXXX however has not and will not fix my score. I called them today to tell them that when a late payment is removed, I should see a good increase not a huge drop. Also, I told them I should have never lost 20 points for them reporting the same missed payment twice then when they update you and let you know theres an error on their part, it should have been a 60 point increase instead of a 60 point drop. Im trying to buy a home and this is ridiculous & XXXX me. The XXXX rep told me he didnt have to explain to me why it dropped and that the score is final no matter what because its the system meter. Nothing they do manually. This isnt right and something needs to be done ASAP because I work hard on my credit. 


-Foursight Capital/XXXX XXXX issue- I have reported for two years to the bureaus that Foursight has provided inconsistent information regarding money owed and dates of delinquency along with account closing dates amongst all bureaus. Not only that but neither company adhered to the Texas law for repossession of vehicles. Instead of all the bureaus recognizing and properly investigating these two accounts, they just reply with the same answer as account has been verified. These accounts need to be removed from all credit bureaus. XXXX is the only one that removed XXXX XXXX. Please have all bureaus remove the Foursight & XXXX XXXX. Thanks