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

I moved into an apartment complex by the name of XXXX XXXX apartments. At the time they had just becomes the new management company and had a new onsight XXXX. When I moved in there was never a walk-through. The new XXXX charged me for things that were wrong with the apartment before I even moved in. The reason why I moved out is because there was never any hot water and I had XXXX small children. Anytime I needed something fixed they never put in work orders for paper trail. They went through a handful of maintenance and managers that didnt know what was going on. I tried to explain to the XXXX that there was never a walk-through and she was new and didnt try to help. She added incorrect information and billed me for it. Now Im trying to take care of this. There is no way they can produce a walk-through. I feel that they need to go back to their records and remove Or delete it from my credit. Its been affecting me for the last XXXX years negatively and its time the properly acknowledged their incorrect information! Either they provide a walk-through with my signed signature with damages that were or were not done ( which they can not because there was never one in place ) or remove it from my report immediately! 


I dont have paperwork because its been years but I can provide some of the names I do remember. The XXXX that moved me in and knows things were already damaged was XXXX XXXX. I cant remember the in between names but it ended with a XXXX by the name of XXXX! Essentially shes the one that incorrectly charged me!
Product: Mortgage

My wife and I have made every single mortgage payment for 11 years, XX/XX/XXXX OCWEN increased our escrow amount without notification and the payment we made was short when we were notified by phone the second payment was short we have since corrected the issue and in fact was issued an escrow refund. Now after looking into the purchase of another home we find that our credit report shows 3 late pays. I have contacted OCWEN on three different occasions and they stated they would remove this from our credit report and still as of today XXXX XXXX, 2016 it is still on our credit report. This has negatively impacted our ability to refinance and get away from this predatory lender and now I am asking for your help.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, states a consumer reporting agency can not furnish an 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 and crimes which antedates the report by 7 years. 

15 U.S.C. 1681 s-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
Product: Credit card or prepaid card

I purchased tickets for myself, my wife, and my XXXX  children to travel to XXXX XXXX on XX/XX/2021, and return on XX/XX/2021 with XXXX XXXX. I used my XXXX XXXX Citi card. 
On day of return, XXXX XXXX delayed our flights by 10 hours, due to the fact that the airline did not have any crew to fly our and 4 other flights. So I was stuck in a small airport, with 800 other travelers during the pandemic. 
Finally, at the end of the night they told us given its getting close to midnightXXXX XXXX  doesn't want their pilots to fly across the next day, so go and come back the next day. 
When we returned the next day ( Sunday XX/XX/XXXX ), i was informed that XXXX can fly us to XXXX, but it could be until Tuesday before they fly us to XXXX. When i stated this is unacceptable and many calls to XXXX customer service later they finally said they can fly us to XXXX and we drive to XXXX. We eventually arrived at XXXX around XXXX XXXX missing XXXX of XXXX at home, and basically XXXX not honoring the contract they signed with us. 

However, when I contacted XXXX, they declined this, and did not reimburse me for all or part of my ticket. So I tried to dispute with my credit card, and they at first were very agreeable to it. But they filed the dispute with XXXX as service not provided, and XXXX stated service was provided, and when I asked them to re-file, their OWN investigator has reviewed the case and denied disputing. This is a case of service not provided as expected, and i need this to be disputed appropriately.
Product: Vehicle loan or lease

I purchased my XXXX XXXX Escape on XX/XX/XXXX and purchased additional protection and warranty plans from XXXX XXXX dealership in XXXX. I was told XXXX  times that these protection and warranty plans would " cover everything '' by the salesman, and the salesman kept pushing me to purchase these plans even thought I was unsure of the whole process. The salesman kept assuring me that the protection and warranty plans would cover everything and limit my out of pocket expenses, so I agreed to purchase the plans. So far these plans didn't cover anything or provide any protection, so in XXXX  I decided to proceed with canceling these protection and warranty plans. 

On XX/XX/XXXX I reached out to XXXX XXXX dealership to cancel these plans and was told I had to to reach out directly to the warranty service providers, as XXXX bad been bought out and could no longer cancel warranty plans. I called Ford Warranty to cancel XXXX  of my warranty plans on XX/XX/XXXX and was told that, according to their systems, both plans had expired and couldn't be canceled. 

One of my warranty plans, " XXXX XXXX XXXX '', has an expiration date of XX/XX/XXXX, as stated in the contract, so I should be able to cancel this plan. I called XXXX XXXX on XX/XX/XXXX and was told that the " XXXX XXXX XXXX '', despite having an expiration date of XX/XX/XXXX, was marked as " expired '' in their system and can not be canceled. 

My XXXX  warranty plan, " XXXX XXXX XXXX XXXX XXXX '', was marked for plan coverage " Used ''. Because my car is a used car, and this warranty was marked for a " Used '' car, the XXXX  date of the warranty should be XX/XX/XXXX ( purchase date ) with an expiration date of XX/XX/XXXX ( XXXX XXXX ) ; however, Ford Warranty set the XXXX  date for a new care, with a warranty state date of XX/XX/XXXX ( XXXX  years before I purchased my used car ) and set the expiration date for XX/XX/XXXX. 

I called Ford Warranty on XX/XX/XXXX and emailed copies of my warranties and purchase summary, explaining that my car was a used car when I purchased it, and thus both warranties should be calculated with an expiration date of XX/XX/XXXX, and thus I should be able to cancel both warranties and receive a refund for the unused amounts. I was told that both warranties are marked as expired in their system, even the warranty with an expiration date of XX/XX/XXXX, and they wouldn't cancel my warranties or provide a refund for unused amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a dispute letter to Transunion via USPS mail. 
On XX/XX/2022 I submitted a complaint about Transunion via CFPB. 
This will be the 3rd time that I am reporting this violation of the law.

Transunions negligence is causing me harm, since it has affected my ability to get approved for a home and a car. Transunion must respond to prevent my pursuing my legal rights under 15 USC 1681N or 1781X which requires Transunions compliance to the law. 

In accordance with the Fair Credit Reporting Act, The list of accounts below has VIOLATED my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Credit card

A credit. Add was opened with out my consent. Not me. And as a result my credit score was substantially lowered. Return my credit score to prior incident
Product: Checking or savings account

Capital One is holding my money unfairly. I have a paycheck of {$410.00} that was deposited on XX/XX/XXXX, and they refuse to release it. They are accusing me of fraudulent activities simply because I received XXXX payments, which is completely unjust. They closed my account on XX/XX/XXXX, and it has been nearly a month without any resolution. When I contact them, they act as though they can't provide a date for when my money will be returned. Despite reaching out multiple times, I still havent gotten my {$410.00}. I have actually a total of XXXX in my account and {$500.00} is a zelle payment and the other my paycheck from my part time job!
Product: Credit reporting or other personal consumer reports

I revoked all past and future consent for XXXX to report this account on my consumer report and they are still reporting the account despite my dispute to Opt out of reporting. Same goes for XXXX and Equifax.
Product: Mortgage

We are currently in the process of selling our home and have tried to receive a payoff as of the date that the wire will be received by the mortgage holder. " Mr. Cooper '' owned by Nationstar Mortgage refuses to send us a payoff as of that date. Our home sells on XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. ( This is a conventional loan, not a government loan. ) I called again to request an accurate payoff, through XX/XX/XXXX and they sent a payoff through XX/XX/XXXX. I was told that they would refund the " extra '' interest with my escrow account after 30 days of receiving the payoff. How is this mortgage company allowed to hold over {$1300.00} of my money for 30+ days. If I didn't pay them for 30 days they would be all over me for my payment. The note that I signed does not give them the right to mandate a larger payoff then what is owed to them, nor does it give them the right to hold my escrow monies for 30+ days after receiving the payoff.
Product: Checking or savings account

XXXX XXXX here ... <P/>I noticed the suit in process for TCF BANK who I 've used for 3-4 years now as my personal bank. Due to actions that reduced my income dramatically and right b-4 my discharge from My job I had gave up all my savings to help my XXXX year old brother with major hospital expenses and his personal bills etc a few years back.Then about 7 months pass and my XXXX yr old grandmother XXXX her XXXX. That completely drained me and I 've been financially drained because of this I have had several overdraft fees ( definitely more than their avg clients ) a rather large amount of overdraft fees. Here 's my problem mainly. They would honor a payment to a company I owe if I was short in my account, charge me the {$37.00} overdraft fee sometimes more than once and then they would kick or take back the payment they honored from that company ( adding more fees and problems ) and STILL CHARGE ME ALL THOSE FEES.. Never reversing them! Not even after reversing the payment they honored then after a few days took back!!! It 's embarrassing but life was much better before TCF. I believe I have a place in that case based on that. Can You let me know? TY ... XXXX XXXX XXXX ... .XXXX XXXX
Product: Credit card

I asked Citibank to cancel an account that had a {$95.00} annual fee that I was not using. They said if I wanted they could give me a {$95.00} statement credit that would be applied against future purchases. When I called a month later to see where that credit was on my statement they said I had to make the purchases first. I did on XX/XX/2016, I then received the next statement- no statement credit was found. I called and was informed I had until XX/XX/2016 to make the purchases. I was never told that! They said they could not do anything and now I am paying interest on those purchases in addition to having a annual fee that I wanted to get rid of in the first place. It is complete fraudulence on their part.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Demand for Immediate Deletion of Unauthorized Inquiries Dear Equifax Dispute Department, I am writing to formally dispute multiple unauthorized inquiries listed on my credit report. Upon reviewing my credit file, I identified the following inquiries that were made without my consent or authorization. After contacting the companies in question, they have been unable to provide verifiable proof that I initiated these inquiries or gave explicit written consent for them. 

Unauthorized Inquiries in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries have negatively impacted my credit score and are unjustly listed in my report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( 15 U.S.C. 1681b ), a consumer report may only be accessed under permissible purposes, which include transactions initiated by the consumer. Since no such transaction was authorized by me, these inquiries are unlawful and must be removed immediately.

Furthermore, under Section 609 ( a ) ( 1 ) ( A ) of the FCRA, you are legally required to verify the legitimacy of each and every inquiry appearing on my credit report by providing tangible, verifiable proof of authorization, such as a signed contract or agreement.

If Equifax can not provide such documentation, you are legally obligated under Section 1681i Paragraph ( 5 ) to delete the unverifiable information promptly.

Request for Immediate Action : 1. Immediately delete the unauthorized inquiries from my credit report.

2. Provide verifiable proof of authorization for each of the above inquiries if you choose not to remove them.

3. Provide written confirmation of the removal of these inquiries or the supporting documentation verifying their legitimacy within the time frame required by law.

Failure to comply with my request will result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office for violations of the Fair Credit Reporting Act.

I expect a prompt resolution to this matter and look forward to your written response confirming the deletion of these inquiries. Thank you for your immediate attention to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor First Franklin Pulled my credit report without authorization. On XX/XX/2022 at XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, XXXX and XX/XX/XXXX I disputed " item not as described '', " defective or non working item '' to my Chase Visa Credit card ending in XXXX and my checking account that I have never overdrawn since opening. They didnt even give me an email address to provide my documents to. I had no way to forward my photos, videos, emails to XXXX XXXX XXXX  screenshots and other documentation to CHASE. A temporary credit was given, but after 15 days my checking and credit card were REBILLED by IN XXXX XXXX XXXXT XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX. I have photo and video and my mom is also a witness due to the XXXX XXXX  making her vomit each time she visited me in that room. I also have photos of the broken XXXX unit leaking water on my property and the floor as well as the broken window, security latch and bottom door. I have photos of the XXXXXXXX XXXX contamination sharing the same wall as the leaking air conditioning unit. It is a XXXX XXXX infested with rodents and XXXXXXXX XXXX CONTAMINATION. I am trying to contact XXXX XXXX NEWS this weekend to bring attention to IN TOWN SUITES since there are thousands of other complaints worse than mine but identical complaints. I have complained to the TX ATTORNEY GENERAL XXXX XXXX AS WELL AS THE TEXAS XXXX XXXX XXXX AND THE XXXX XXXX XXXX DEPARTMENT. XXXX is interviewing my mother and I about it next week. We are XXXX and elderly and that's whXXXX XXXX XXXX XXXX  AND CHASE TAKE ADVANTAGE OF PEOPLE WITHOUT A VOICE.
Product: Mortgage

Second request : Please tell me the specific total amount of principal paid on my mortgage and the total amount of fees added to my mortgage. DO NOT SEND ANYTHING ELSE! JUST PROVIDE THE TWO TOTALS REQUESTED!
Product: Credit card or prepaid card

I used XXXX points to book a trip with chase ultimate rewards. After 10+ hours on the phone with them they finally emailed me the ticket confirmation, which says the trip is booked and no additional fees are due. That was on XX/XX/2021. That day a representative also confirmed the tickets were booked and no additional fees were due. 

On XX/XX/XXXX, the day of the trip, I took the confirmation to the airport with all my bags. The airline told me the ticket hadnt been issued, they could see the booking but it was being withheld by chase. I got chase on the phone and they dragged out our call foe 75 minutes, refusing to fix their error because it would cost them too much After the booking window closed for my flight, I was forced to beg the employees of XXXX XXXX to let me pay them on the spot to book the tickets chase said they had booked, then refused to issue. 

This cost me {$17000.00} - money I dont have, but I didnt have a choice. I am going to XXXX for a wedding I cant miss. 

Chase gaslighted me on the phone so long I had to RUN over half a mile from the XXXX XXXX ticketing desk to XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, carrying my bag. I was injured in the process but once again had to make the choice between missing an event Id been planning for months and appropriately resolving the situation. I boarded the plane sweaty ans injured for a long haul flight
Product: Credit reporting or other personal consumer reports

I disputed my date of birth three times with Equifax. Every time they falsely resolved my disputes but never updated my date of birth. 
They are not updating my current address either, even though I provided it. They keep showing my previous address as my current address and my current address as my previous address. 
I even called them. Their support said they can't update the report as they don't have any control over the information in my report ON THEIR WEBSITE. They are ridiculous to work with.
Product: Debt collection

I NEVER RECIEVED THESE REQUESTED DOCUMENTS. ONLY THING I WAS SENT WAS A threatening LETTER ABOUT SUING ME. AFTER THAT LETTER I HAVE NOT HEARD BACK FROM THEM
Product: Debt collection

XXXX XXXX was used while I was on my Ex wife 's insurance. We were still married XX/XX/XXXX. I got a bill after we were divorced stating I owed for the XXXX  ride. This was on her insurance. I got my own insurance XXXX of that year. The collection was added to my report on XX/XX/XXXX I recently had a bank inform me of the collection. 
The Consumer Financial Protection Bureau ( CFPB ) recently finalized a rule that prohibits medical debt from being included on credit reports. This rule went into effect on XX/XX/XXXX. 
What does the rule do? 
Prevents debt collectors from using credit reporting to pressure people into paying medical bills Prohibits lenders from considering medical debt when assessing borrowers Increases privacy protections
Product: Credit reporting or other personal consumer reports

Paypal is a merchant services business running multiple fraud schemes through multiple addresses. They claim to be part of Synchrony Bank and have destroyed my credit while I disputed the validity of the contract running through all the fake names and addresses. I need them to remove their information completely because they do not have a real company or contract with me. There are XXXX accounts total XXXX in unsecured credit they claim are in areas for 2000 and are late. It cost me XXXX points on my experian report.
Product: Debt collection

XXXX ENHANCED RECOVERY COMPANY placed a derogatory mark on my credit file without notifying me about this first to me. 

I have tried asking XXXX to give me the original dates this was incurred, which is outside the statue of limitations, but they refuse to give me proof. All they do is send me a copy of an invoice. My contract with XXXX ended in XXXX. I was prepaying for services since then, and switched to XXXX XXXX early XXXX. Again, I have asked for proof of when this became delinquent and all they do is send me copy of a bill. 

Now ENHANCE RECOVERY PLACED a negative mark on my credit file this past month without me knowing and it resulted on my score decreasing 100 points.
Product: Credit card

XX/XX/scrub>XXXX purchase XXXX  football jersey using my PayPal credit card. I dispute because company scam me track # bogus. Called PayPal try dispute it said would. Charge went from pending to applying my account where now Im occurring daily interest on dispute account. Called again they dragging feet said still working on it
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I sent a money transfer in the amount of {$200.00} to my cousin in XXXX via Western Union bank transfer. After 30 days, the receiver still has not received the transfer in his bank account. He has spoken to his bank multiple times and also with the local Western Union office. Both offices confirmed that the money never arrived in XXXX and did not even leave the US. 

I have called Western Union multiple times and they keep lying to me saying that " the transfer completed successfully. '' I asked them for a bank-to-bank wire transfer confirmation and they refused to give me any such confirmation. They would not even tell me their bank 's name. 

After three weeks, Western Union sent me a letter saying " we confirm the cash was picked up. '' I called to remind them I didn't even do a cash pick-up transaction. I had done a direct bank account transfer, therefore their letter made no sense. 

Please follow up with Western Union as they are neither depositing my transfer into the receiver 's bank account or refunding my money. Thank you for your help.
Product: Checking or savings account

I often asked about my why they'd charge overdraft fees throwing my account deeper into the negatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to experian two times, and I have provided them with everything they have requested ( police report, drivers licenses, passport, insurance bill ). Experian will not remove this fraudaulent account from my credit report. This is very frustrating and is a inconvience to me. Experian is reporting inaccurate information and they need to be held accountable.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, unknown inquiries on report