23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS of XXXX My boyfriend and i lived in XXXX XXXX and he lost his job as soon as we moved in so i came in to the office to make payment arrangements and cancel the lease so it wouldnt be on our credit reports after living there only XXXX3 months. 

The Property Manager then was very disorganized and wanted to have her hands in every affair but she never followed up on anything. I came at LEAST twice weekly after moving out abruptly so they rent it out to the next person to stop the bleeding of future continued payment. 

They had new renters in 3 days but the manager would never meet with us to discuss official process but I find they posted to our credit for non-payment. 

I CAME IN XXXX and XXXX for resolution but the manager was fired and they werent able to verify the debts as being mine. they even had bogus charge amounts and maintenance left defecation matter in the toilets and they never even fixed problems that existed before we even moved in. 

The electrical outlets needed fixed, the kitchen lights, the garbage disposal, floor tile and a couple other things since before we moved in they said they would have fixed before move in but never did. 

i even specified countless times for approved entry only when scheduled so someone could be there because we experienced apt staff stealing from tenants ' homes in their absence and they ONLY came when we specifically stated we werent going to be there saying they didnt find no problem and left msintenance slips in inconspicuous places like in the bedroom and closet. 

Since going in person in XXXX and XXXX and getting nowhere i filed a dispute with the credit bureau and everytime i gave information and proof they required me to furnish, they extended the creditor 30 new days but me only 10 days and never followed up. 

No one ever sent me anything from XXXX XXXX. THats why the credit bureaus say they 'll give them more time to respond. To this day i havent received anything from them. 

I came in to the office a few weeks ago and learned there was some kind of process that was supposed to be done that i had never even heard of that was not done.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX {$8600.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$2400.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I opened an account with US Bank XXXX XXXX XXXX Branch ) on XX/XX/2023 and deposited {$25.00} via debit card as required to open a checking account. On the following Friday ( XX/XX/2023 ), I deposited a physical check via bank teller at the US XXXX XXXX Branch. The check amounted to {$2300.00} from the XXXXXXXX XXXX XXXXXXXX XXXX ( My employer ). I was told by the teller that the check would be held till Tuesday ( XX/XX/2023 ) but the {$220.00} of that would be available now. I withdrew {$200.00} and continued about my day. Fast forward to today ( XX/XX/2023 ) I can see through online banking that my balance is available and I go to the bank to withdraw {$600.00}. The bank teller then proceeds to tell me that my account is frozen and pending for cancellation via the risk department. He then suggests I call customer service to speak to the risk department. I call customer service and they tell me that the risk department does not speak to customers and try speaking with the branch manager. I then call the branch and the manager tells me that she can see the issue with my account and my account did clear but she doesn't see why they would close the account. In addition, she said there is nothing she can do but look at the check and review if everything is accurate. Other than that she is unable to do anything. I'm at a lost of what to do. I unfortunately have no other income and am not sure when I will be able to retrieve the funds. No one at US bank seems to be able to help.
Product: Credit card

Dear PayPal, I am writing to address the recent dispute resolution process regarding my experience with XXXX. Unfortunately, due to their inappropriate conduct, a letter was sent by my Mayor to the State Judge in California concerning this matter. In light of this, XXXX has provided a full refund in their correspondence, which I have attached for your reference. 

I am disappointed, not only with the outcome of your resolution process, but also with the overall handling of this situation, which has led me and others to question the financial protection offered to your customers. 

I kindly request that you process my refund and reverse the payment to my XXXX XXXX account linked to my profile. Given the circumstances and the lack of fair resolution, I have decided that I will not be using your services in the future. 

Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

My husband and I recently gave a mortage to VIP Mortgage. After receiving a letter from them on how to set up my automatic payments went on line to do so. Entered the website name XXXX after going to that site I clicked on the area to set up autopayments. this took me to a web site called Earnup.XXXX XXXX XXXX XXXX & XXXX & XXXX .I could not get it to so i called the help line. Unfortunently i did provide personal information to them until i figured out i was not speaking with a VIP representative. The person i was speaking to said i hade to pay them to have my autopayments made. I told that person i thought i was talking directly to VIP and hung up the phone. I then called VIP and that rep had me put in the same website address XXXX  and the correct address came up. He said somehow this other company that had shown up when i XXXX the website was a wrong site. I did work with VIP directly and that problem is solved. i then called Earnup and told them i had given them important personal information. i was assured that the information was not kept and the account at their site was not finished. The person i spoke to was XXXX. i am very upset that companies can lure you into their site by using a valid site set up by another company.
Product: Student loan

I applied for Loan Forgiveness and was denied. My loan was {$6000.00} & now is {$8000.00}??? 

I worked 28 years as a XXXX XXXX. I've been making Student Loan payments for 15 years and my loan has gone up in Debt by {$2000.00}?
Product: Debt collection

I had applied for an Amazon store card around 2014 for the purpose of rebuilding credit. I never used the card and was very surprised that when I went to XXXX XXXX XXXX XXXX XXXX for a XXXX dollar loan, they told me that I had a bad account on my credit report that I must pay before they can give me the loan. So, here it is, I had never used the card but it was delinquent and now I must pay for something that I dont know about. So, I paid the loan, thinking that it was going to go away and it never did. So, I have been asking Amazon to send me the documents to prove that I have received goods or services tied to that card and they have never sent me any. I also contacted synchrony bank for validation and they told me that they would investigate the matter then contact me and they never did and I have continued to seek answers from the creditors and they never answer me nor provide proof that it was me who made the charges to the card or whom ever made the charges and to whom or where the packages were shipped. My whole financial world has been destroyed by these people who seems to just dont care about some one else welfare or well being. So, zircon I never used the card and the creditor cant tell me what happened, then why cant I get this thing off my credit report? Please tell me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance {$37000.00} ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have a membership with Equifax credit reporting agency. After submitting a fraud report, and having 2 separate fraud accounts removed. Equifax removed the fraudulent accounts and proceeded to lower my credit score drastically without reason. In addition they could not explain to me in detail as to why they lowered the score after improving my file by have 2 fraud ( collection ) accounts removed. In addition they locked my online credit file and i no longer have access. Equifax has abused their power by needlessly an maliciously lowered my credit which caused direct financial harm to both myself and my family. As a result of this i was denied a home loan. The denial was in fact a direct result of Equifax lowing my score with no reason. Please know i have NO ( zero ) late pays, delinquent accounts or collections on my report. The blatant and malicious acts by Equifax are simply because with documentation and legal proceedings i forced them to remove items they were previously refusing to remove. Lack of consumer protection and poor government oversight has allowed CRAs to continue to cause financial hardships and financial harm to consumers. Please investigate this matter as it is believed to be intentional acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had many hard inquiries I did not authorize I reached out to these companies got deletion letters also reached out to equifax and disputed these issue yet they wont fix the issues. Most of my inquiries are fraudulent I do have 2 out of the 10 inquiries deletion letters. But all of these are fraud not done by me and equifax refuses to remove these.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires do not belong to me and I do not recognize them please delete them. I do have accounts however the inquires from them below are not mine and since I do have some accounts with them XXXXXXXX XXXX refuses to remove them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE
Product: Checking or savings account

Complaint : Funds held by Chase with no path to resolution. 

I am writing to file a formal complaint regarding a distressing situation my wife and I encountered with our joint account. On XX/XX/2023, we visited a Chase branch to open a joint checking and savings account, depositing a total of {$74000.00} in cash and checks. 

Specifically, {$56000.00} was deposited into savings, including a significant {$20000.00} check. An additional {$18000.00} was deposited into checking, intended for transferring funds between banks. Unfortunately, both the {$20000.00} and the {$18000.00} checks were immediately placed on hold. 

On XX/XX/XXXX, when attempting to transfer funds from savings to checking, I discovered my account was frozen ( no movement in or out ). After contacting Chase on XX/XX/XXXX, I was informed that due to the check holds, the entire account was frozen, with instructions to call back on XX/XX/XXXX to resolve the matter. 

Despite my efforts, on XX/XX/XXXX, I was told the account was still frozen, and verification was needed for both the {$18000.00} checks and I would need to call back the following day. 

On XX/XX/XXXX, when I called again, I learned for the first time that the {$20000.00} check needed verification, and my account would be closed if not resolved by XX/XX/XXXX. 

When attempting to verify the checks, I was informed the writer of the {$20000.00} check has no associated phone number in a chase system, making verification impossible. Shockingly, I learned the funds would be held for XXXX to XXXX years and, if not verified, sent to the state. Despite my pleas, the representative provided no steps for verification and claimed there was nothing they could do. 

I deposited all my money, transferred my direct deposit, and now face almost a month without access to my funds, causing significant stress, inconvenience, and financial hardship. 

The lack of transparency in this process is deeply concerning. I was not informed about the need for verification until XX/XX/XXXX, with no guidance on completing this process or registering the sender 's phone number. Additionally, the threat of account closure without proper resolution is unacceptable. 

I urgently request a resolution to this matter and appreciate your prompt attention to this complaint.
Product: Credit reporting or other personal consumer reports

I just want to put a freeze on third party agencies
Product: Credit reporting or other personal consumer reports

I am submitting this complaint in accordance with the Fair Credit Reporting Act ( 15 USC 1681, section 602 ), which stipulates the need for consumer reporting agencies to carry out their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I am entitled to accurate and equitable information reporting. Upon contacting TransUnion to address certain accounts labeled as charge-offs, I engaged with a representative who corrected the spelling of my name but redirected me to another representative, XXXX XXXX , to address the charge-off accounts. I informed XXXX XXXX of the charge-off accounts and requested their removal. However, he informed me that he would not be able to fulfill this request. I proceeded to explain to him the IRS definition of charge-offs, which categorizes them as gross or ordinary income that is not reported on consumer reports, rendering the reporting of these accounts inaccurate. Despite this clarification, he maintained his stance that he could not remove the accounts. So I proceeded to explain to him the CFRs and the UCC codes and he still said he could not remove the accounts. Here are the CFRs and UCC codes below. 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I'm opting out of only the below accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX, XXXX. XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

I have called and spoke to numerous reps at Citibank/Bloomingdales since XXXX XXXX. I've been repeatedly told they would close and remove the authorized user account from my credit. They also confirmed they spoke to the card holder who also requested I be removed from the account. They removed it from XXXX and XXXX but it still reflects on XXXX XXXX thereby affecting my credit score due to them reporting her limit on it, and stating I have 2 open revolving credit accounts which I don't, I have 1. I have requested they remove her XXXX, UT address from my credit too. The card holder asked them at the beginning of XXXX to do this, they told me when I called it would be handled, then another person told me they refused to remove it, another call said they would remove it this time! 3 months later I'm having to dispute the same problem, their failure to remove the authorized account from my credit and stop reporting I have an account with them that I don't. I don't know if they're confused or what the situation is but this is not my account, I want it removed from my credit ASAP as the card holder, and I have requested numerous times. If it is still on my credit when I run my report on XX/XX/XXXX, I will proceed with suing them and refuse to settle! I'm tired of them lying about the dispute, yet doing nothing to resolve it. I have not spoken to the card holder since, when I do I will let her know she needs to get on top of this. However I don't think I will hear from her. She's not very good at keeping in touch. I've been fighting this on my own since XXXX with no follow up from the card holder or Citibank/Bloomingdales ! I'm sick of this account affecting my XXXX  and am willing to sue!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXX/XX/XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian offered me credit cards that were a high match percentage for me. If you look at my history youll see I hardly have XXXX hard credit check I believe it was in XXXX of 2023. Other than that since I signed on around XXXX of 2023 there might be XXXX in XXXX and XXXX for XXXX of this year and those are my only hard credit checks I have. 
So Experian tells me they found a travel card that XXXX a XXXX XXXX match for and I decided to go against my better judgement and thought with all its positive reviews let me go ahead and get this card. 
How was I declined based on XXXX XXXX XXXX  match for me, personally with this credit card? 
Now my credit score is going to take a hit and Ive been working so hard at it to bring it up that the XXXX time I do this I only did it because I had a XXXX XXXX match to it.