23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I REVIEWED RECENTLY MY CONSUMER REPORT, I HAVE SEEN INACCURATE INFORMATION AND ACCOUNTS STILL REPORTING THOUGH IT WAS ALREADY DISPUTED SEVERAL TIMES. I AM SO FRUSTRATED BECAUSE UNTILL NOW, NO ACTION ARE BEING TAKEN BY EQUIFAX, XXXX AND XXXX. 

STILL REPORTING IN EQUIFAX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX OF XXXX - XXXX Update the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
CAP XXXX - XXXX Please remove from my report. 
This inquiry is not authorized : XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX OF XXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXXXXXX - XXXX Please remove from my report. 

STILL REPORTING IN XXXX Incorrect information reporting : Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, NV, XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX SERENE AV, XXXX XXXX, NV, XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Account status is not correct : XXXX OF XXXX - XXXX the account status. 
The following account is not mine : XXXX - XXXX Please remove from my report. 
XXXX XXXX - XXXX Please remove from my report. 
These inquiries were not authorized : CAPITAL XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report. 
XXXX XXXX - XX/XX/year> - This inquiry is not authorized. Please remove from my report.
Product: Credit card or prepaid card

I used my Citi credit card to purchase a XXXX XXXX flight ticket through XXXX on XXXX XX/XX/XXXX with the amount of {$1200.00} Due to flight cancellation by the airlines, XXXX XXXX has issued me a full refund of {$1200.00} to the original form of payment. XXXX has also confirmed the refund was processed on XXXX XX/XX/XXXX. However, I was unable to receive the refund on my citi credit card account, after multiple attempts to contact the customer service team. In XX/XX/XXXX, I requested a dispute be initiated to correct the refund error ( Attachment 1 ) but citi dispute department has refused to do so, with the reason being the transaction occurred too long ago ( Attachment 2 ).
Product: Credit card or prepaid card

Citibank-Bestbuy is not allowing me to apply payments to the balances with higher interest rates. The company applied my payment of {$300.00} to promotional balances with 0 % due to expire on XXXX XXXX, XXXX versus the revolving balance with 25.24 % interest due to start charging on XXXX XXXX, XXXX. I called the company on XX/XX/XXXX at XXXX XXXX and spoke with XXXX and asked that my {$300.00} payment above the minimum due be applied to the revolving amount so as not to incur interest charges that are set to start on XX/XX/XXXX. I told them I was aware of my promotional balance offer due to expire on XX/XX/XXXX and would be paying that balance off prior to the date since I still had several weeks. They refused to apply the amount to the revolving and said that any additional amounts sent in would be applied first to the expiring balance before the revolving balance. Those actions by the company forces me to pay off my promotional 0 % interest balance weeks before it is set to expire to have any additional payments be applied to my revolving 25.24 % interst balance. The company will be charging me interest beginning on XX/XX/XXXX on my revolving balance and still be applying my payments to the promotional balance that is still in effect till XX/XX/XXXX. To avoid interest charged on my revolving account, I have to first pay over {$1000.00} to apply towatds my promotional balance before XX/XX/XXXX and then pay the nearly {$300.00} of the revolving balance. My revolving balance is near {$300.00} and that is set to incur interest on XX/XX/XXXX yet I will have to pay near {$1300.00} by XX/XX/XXXX in order for that revolving not to incur interest. This will also force me to pay off my promotion balance by XX/XX/XXXX when that is not due till XX/XX/XXXX, nearly three additional weeks.
Product: Debt collection

I am the guarantor for a lease on an apartment that my son occupied in XXXX XXXX, California until XXXX of 2020. After he moved out, the landlord, XXXX XXXX sent us a message claiming that we owed {$930.00} in unpaid fees, including cleaning, water, sewage, trash, and carpet cleaning. None of these utilities were listed in the lease, and the apartment was vacated in good, clean condition. Under California Civil Code 1950.5, landlords may not charge tenants for any of these expenses. I attempted to communicate with XXXX XXXX directly in 2020, and they refused to take my calls. I wrote to them several times via email, first class mail, and certified letter requesting documentation, and their response has been only to have debt XXXX from Genesis call me on the phone and sending me emails repeating their claim and threatening to report me to credit agencies. I believe this is an illegal scheme by XXXX XXXX and Genesis to collect fees not owed to XXXX XXXX through coercion.
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. 

Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX  Account NumberXXXX has violated my rights. Or a 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 or other personal consumer reports

I recently obtained a copy of my credit report and noticed a series of late payments being reported. I immediately contacted Transunion and XXXX because the late payments being reported are inaccurate. The late payments showing on my account from XXXX and XXXX were covered during the pandemic and covered by the CARES ACT. I contacted creditors directly when affected with my hardship to setup an accommodation to ensure my credit would not be affected. Both accounts have been paid as agreed and closed. I was assured that my account status would remain " current '' during this period. 
Furnishing the late payments to my profile is in direct violation of FCRA law 15 USC 1681 s-2 ( f ). I'm assuming this is billing error, but this also further violates my consumer law specifically 15 USC 1666B. I have requested verification from Transunion and XXXX with no response. These late payments showing from XXXX ( XX/XX/XXXX ) and XXXX ( XXXXXXXX XXXX  ) are inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX XXXX, OH XXXX XXXX XXXX Social Security Number : XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Removal of Closed, Paid-Off Account from Credit Report Dear Capital One Credit Department , I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management.

I am writing to request the removal of a closed, paid-off account from my credit report. This account has been fully satisfied and closed, and I respectfully ask that it be deleted from my credit report to reflect my commitment to responsible credit management. 

Below are the account details for your reference : * Account Number : XXXX XXXX Digits of Card Number : XXXX * Account Opened : XX/XX/XXXX, XX/XX/XXXX Account Closed : XX/XX/XXXX, XX/XX/XXXX I FILED A FTC REPORT PLEASE REMOVE FROM CREDIT REPORT Please confirm in writing that this account will be removed from my credit report or inform me of any additional steps I need to take. 
Thank you for your time and consideration. 


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

I have been fighting with several credit reporting agencies and XXXX about my credit report. I filed chapter XXXX and included them and even though I have supplied ALL documents needed to show they were included and DISCHARGE, they continue to report. They even went so far as to SELL the bad debt to XXXX, who ALSO is trying to collect on the SAME student loan and is ALSO reporting to my credit bad/late payments. 

SO ... when then I find out that this is NOT the first time, they have violated CFPB laws. I have been complaining and NO ONE listens to me .... but this says it ALL! 

Student loan servicer XXXX illegally deceived borrowers, judge finds Last Updated : XX/XX/XXXX at XXXX XXXX. ET First Published : XX/XX/XXXX at XXXX XXXX. ET By XXXX XXXX 3 Borrowers and their parents and grandparents were among those who suffered when XXXX violated a state consumer protection law, the court ruled. 

https : XXXX Comes as no surprise to me, but maybe NOW someone will take me seriously. 

ALSO, even if NO ONE believe me, how is XXXX or XXXX  being allowed to report LATE PAYMENTS or COLLECTIONS on a FEDERAL STUDENT LOAN, given COVID?? 

THIS VIOLATES the Cornavirus and Forbearance Student Aid that took effect XX/XX/XXXX and is STILL in effect until XXXX, XXXX. WHICH MEANS, THEY CAN NOT REPORT LATE/COLLECTION to my report. 

I WANT ALL THE LATE/COLLECTIONS FROM XXXXT AND XXXX  REMOVED.
Product: Credit reporting or other personal consumer reports

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXXXXXX is violating my right per fcra please delete off my credit report attach is the court order
Product: Mortgage

XX/XX/XXXX From : XXXX XXXX RE : Caliber Home Loans XXXX XXXX Account # : XXXX SS ending in XXXX To whom it may concern : My husband and I are filing a complaint against Caliber Home Loans. We purchased our home in XXXX of XXXX. We have made each and every payment on time. We are now in the process of trying to refinance our mortgage and take cash out. The loan is in my husbands name, XXXX XXXX XXXX. On Stanleys credit report, Caliber is only reporting payments starting with the XX/XX/XXXX payment. There is nothing reported for XXXX, XXXX, XXXX or XXXX. This is preventing us from being able to do a refinance and take cash out. We have asked Caliber to please report these missing months, only to be advised by them that RESPA laws, in place to protect us, do not allow them to report any information for the first 60 days of the loan. Our mortgage was originally with XXXX XXXX, however, Caliber purchased our loan as of XXXX/XXXX/XXXX. Because we want cash out, we must be in our home for 12 months to do so. Although we have been in our house for the required amount of time, the credit report fails to accurately reflect that. We have asked Caliber via telephone and in writing to please update the credit report to show that all payments in the non-reported months were in fact made and made on time. Our prospective lender has requested them to do the same. To no avail. They continue to say they are not required to report those months based on RESPA laws, of which neither my husband nor I are familiar. Caliber has provided a letter to our prospective lender, verifying that we have been in our home since XX/XX/XXXX and that we have not been late nor missed any payments. I have attached the letter as supporting documentation. By not accurately reporting this information to all XXXX credit bureaus, Caliber is causing distress to us and they are also negatively affecting XXXX credit score. By having all of the months accurately reported will only help to increase the score, making the amount that we pay for the loan we are seeking less. Our prospective lender has tried to run our application through the automated XXXX XXXX and our application gets a Referral with caution and this will not allow our application to even be considered for manual underwriting. We have asked if they will include this information in the next update to the credit bureau, which according to Caliber is XX/XX/XXXX. We were advised that they would submit a request to their credit department for review and that this process can take up to 30 days. They are not willing to provide the updated information to the credit bureau, despite our repeated requests to do so. The resolution that would satisfy us is if they would immediately update XXXX credit report with the missing information for XXXX, XXXX, XX/XX/XXXXand XX/XX/XXXX payments. Very kind regards, XXXX and XXXX XXXX XX/XX/XXXX
Product: Debt collection

Ford motor credit and I had a lease agreement together. 

In XX/XX/XXXX  we entered into an agreement for a voluntarily early termination of the lease. At this time I owed {$4500.00}. 7 months remaining of my 3 year lease. At the time I agreed to voluntarily terminate my lease. I was not in danger of repossession. I was current with my payments. 

I called and spoke to Ford credit agents cause {$640.00} a month was very hard to come by during Covid. I asked to lower my payments. Prior this the many times I called I went to dealerships and my bank to attempt to refinance it before the lease was up but they said I owed too much. 

The discussion I had with Ford was they would accept my truck back under voluntary means and auction it. 

It was discussed the equity value of the truck would be more then enough to cover what I owed left. Ive never had a lease before and I trusted what they told me, Later after the auction when they eluded that would be all set called me stating I now owed almost {$14000.00}. I was in complete shock and there is no chance owing less then {$5000.00} I would then agree to volunteer to give up my truck to pay {$14000.00} and not even benefit of the enjoyment of it being my property. 

Ford took my truck and fooled me into them getting the truck back and then getting {$17000.00} from the auction and then also trying to get {$14000.00} more from me. 

Their deception is absolutely absurd. 

This is in the courts now. This type of business should most definitely not be allowed. 

This is a huge corporation who had the power to destroy my reputation, my credit and then sue me without any options to be reasonable whatsoever, Ive disputed everything with the credit bureaus, told the attorney general who agrees, the law protects consumers from this type of abuse of power, Ive contacted consumer protection and now the FTC. 

Please help They also removed my access from viewing the record online.
Product: Checking or savings account

This was my first complaint submitted to CFPB : XXXX XXXX issued me a check in the amount of {$7500.00}. I never received the check. When I inquired about the check, XXXX XXXX stated that the check was cashed at Wells Fargo. I do not have a Wells Fargo account. I have called Wells Fargo on several occasions, but because I do not have an account with them, they told me that they could not help me. They then advised that I go to XXXX XXXX to file a claim with them. I contacted XXXX XXXX on numerous occasions. In one instance, they told me to complete a form and return it to them notarized, which I did. But when I inquire about the claim, they will give me the run-around, or worse yet, just ignore me. I have even gone down to the police station to file a claim, but they told me that they could n't help me, and to go talk to XXXX XXXX. 

Wells Fargo stated that they could not help me, and directed me to go to XXXX XXXX for help. I understand that XXXX XXXX is the one who issued me the money, but it was Wells Fargo who cashed my check to someone else. My check was not a small amount. Wells Fargo needs to do their part to find out who they gave my money to, and reimburse me because they are the ones who erred, not XXXX XXXX. Wells Fargo, needs to take responsibility for failing to cash the check to the right individual. If Wells Fargo was going to simply ignore my request for help again, why did they have me complete a notarized affidavit stating that I did not receive my money?
Product: Credit card

I opened a USAA XXXX card in XXXX. This card offered a promotion with 0 % interest on balance transfers until XX/XX/XXXX. I transferred a balance from a card with a high interest rate and paid the balance on the USAA XXXX a little at a time. When the promotional period ended, I still had a balance. I was charged interest on this balance on XX/XX/XXXX and XX/XX/XXXX. No problem. I was aware this would happen if I didn't get the balance paid by the time the promotional period ended. 

On XX/XX/XXXX I paid off the entire balance. This was the balance that was listed as the " Pay in Full '' online PER USAA. However, on XX/XX/XXXX I was charged interest. This makes no sense. As of XX/XX/XXXX the entire balance was paidthe balance that USAA listed as being the full balance owed. 

I attempted to contact USAA to try to resolve the issue and have the interest charge reversed. What I was told was that the interest charge was " a fee that USAA charges for cash advances. '' I was also told how important it is to " pay my payments on time. '' I did pay it on time. What does that even have to do with it? It wasn't a late fee. It was an interest charge. AgainI paid off the entire card based on the balance USAA was showing. If they failed to include this interest charge on the what THEY were showing as the total amount owed, that's on them, not me. How is it possible, or even legal, to charge someone interest after the card has already been paid off?
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts have not provided proof and either was removed or re-inserted without notifying me. 

XXXX XXXX was an account that was removed on XX/XX/2017 from XXXX  but both XXXX and XXXX have not removed the account, although the creditor failed to provide proof. 

XXXX XXXX has not provided any proof or account information but is reporting on my credit report. 

Enhanced Recovery was an account that was deleted XX/XX/2017 by XXXX XXXX account but re-inserted without notifying me or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out multiple letters and complaints to all 3 credit bureaus, XXXX, XXXX, and Experian. They refuse to remove this false information. I also submitted a complaint through you guys and nothing happened. They have a bankruptcy on my credit report which the person is not me, they said they recieved the information from the court which the court said they never sent that to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THELETTER OF THE LAW '' All three credit reporting agencies ( Equifax, XXXX & XXXX ) are failing to comply with FCRA laws & sections. Over the past few years I've informed them I was the victim of identity theft and numerous accounts were opened due to it. I've provided them with the required documents ( identity theft report, drivers license, address document & copies of the credit ). Each has claimed they verified the accounts without providing any verifiable proof. Since things have become so stressful, I finally ask my local police dept to take a report of the incident. I'm attaching everything again in hopes you can support me in getting the following accounts removed - XXXX XXXX # XXXX, XXXX, XXXX & XXXX. Please see the following accounts are removed/blocked and/or discharged from the original creditor
Product: Debt collection

I DO N'T KNOW WHERE THIS DEBT IS COMING FROM.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX 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
Product: Money transfer, virtual currency, or money service

COINBASE. company name trades XXXX. Transfer {$250.00} FROM MY CREDIT CARD to trade XXXX. Transferring to them and trade coins has no problem. But you ca n't take money back from them. Its blocked in all possible way. No customer support Im trying to reach for 2 weeks. No reply. Cant take my money back. They made process hard to get out. Verifying my wire bank is a one of them. I do n't understand how can I verify my wire bank? They do n't explain. They simply not answering. they have all wire info from my ( chase ) bank. Nothing more you need to accomplish this task. Looking at the complains online I found similar problems with lots of people, and Im wondering how in the world they still there scamming people? Please take some steps to investigate this fraud. thanks
Product: Debt collection

XXXX sold my info to a XXXX party integreated recovery services out of new york. I tried giving them the money I owed but they put my credit card info through wrong. Now they are contacting my ex-husband and telling him that the sheriff will be coming to our door unless this is settled. In the initial contact they threatened me with having someone serve me papers at my work location and that I would have to pay {$2000.00} in attorneys fees plus the {$700.00} that I owed and be charged with criminal offenses. They continue calling my ex-husbands cell phone and harrassing him on a daily basis. I have never gotten a written letter from them except an email after I told them I would not pay until I got written confirmation.