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

I lived in XXXX XXXX XXXX XXXX Apartments from XX/XX/XXXX through XX/XX/XXXX. During this period the staff at the apartment complex was stealing rent money from the tenants. We did not realize this was happening until we started receiving eviction notices from the court saying we had not paid 2-3 months rent. This was brought to the attention of the management team. They were aware of what was going on and was in the process of charging some of the staff with this crime. A case was filed against XXXX XXXX XXXX on XX/XX/XXXX ( this was the only case I could find, but there was 2-3 people charged with the crime ). She was convicted of the crime. 

I was evicted from my apartment in XXXX of XXXX. Because of the eviction, I could not find any of the documentation I had collected. XXXX XXXX XXXX XXXX sold my account to FMS Financial Solutions XXXX XXXX is no longer in business, XXXX XXXX now owns XXXX XXXX XXXX. FMS Financial Solutions placed {$7400.00} on my credit report on XX/XX/XXXX. And again, on XX/XX/XXXX in the amount of {$7500.00}, an additional {$90.00}. This amount includes attorney fees and court costs. It also includes interest from XX/XX/XXXX, through XX/XX/XXXX. Now let 's keep in mind I was evicted XX/XX/XXXX. So, I am being charged interest for XXXX years. 

XXXX XXXX XXXX, PC served me a " Writ of Summons '' on XX/XX/XXXX, to appear in the District Court of Maryland for XXXX XXXX XXXX XXXX on XX/XX/XXXX. On the day of the hearing, XXXX XXXX and I had a conversation about the staff stealing the rent money and the fact that someone had been convicted of the crime. He asked the judge to postpone the hearing so that he could investigate it further. 

I received a " Complaint Affidavit/Merit Trial '' from the District Court of Maryland for XXXX XXXX XXXX XXXX for XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX filed a " Line of Dismissal '' with the District Court of Maryland for XXXX XXXX XXXX XXXX. He dismissed the case. 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX FMS Financial Solutions. I asked him since the case had been dismissed would he remove this charge from my credit report. He said no. He said the case was dropped because the lawyer could not prove legally that I owed the money. But that I still owed him the money. He further stated that I owed for XXXX and XXXX. I do not agree with that, and I stated that to him. He was adamant that I owed for 2 months. I said even if that was true is that {$7500.00}? He didn't answer that question. I asked him to write me a letter explaining why he would not remove this from my credit. He refused to do so. He told me I could write him a letter is I wanted to do that. 

Case # XXXX District Court of Maryland for 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 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

In accordance with the fair credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also 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 reporting agency containing any of the following items of information, other than records of convictions of crimes with antedates the report by more than 7 years. 

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the persons know or have a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer, I am aware that you lack legal standing ; you can not hire an attorney to represent you. I will seek a default judgment, and you will join a class action lawsuit seeking damages for violations, stress, and mental anguish, as well as at least 1 % of the company pursuant to TILA XXXX  OR ANY OTHER AMOUNT OF DAMAGES PURSUANT TO XXXX.
Product: Credit card

On XX/XX/year> at approximately XXXXXXXX XXXX  I received a notification on my phone from XXXX. I opened the XXXX XXXX to see what the notification was about. All it said when it came down on my phone screen was ; there was a change to your credit file. I seen that my credit score went down XXXX points. I clicked on the Alerts & saw that there was a hard inquiry from Capital One. A Quicksilver card was opened in the amount of {$1000.00}. I immediately called Capital One where an investigation was opened, I was then told to call all three credit bureau to dispute that same hard inquiry. That inquiry is UNAUTHORIZED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this account that is not mine and i want it to be removed. 

XXXX  1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft VW CREDIT INC Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft VW CREDIT Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

Subject : Complaint Regarding Rude Customer Service, Improper Fee, Account Access Issues, and XXXX Malfunction Details of the Complaint : On Saturday, XX/XX/2024, at approximately XXXXXXXX XXXX  EST, I called Citibank to address several issues with my account, including a {$15.00} fee that I believe was improperly charged. I maintained a balance of {$5000.00} within the first few days of opening the account, which should have satisfied the requirements to avoid the fee. Despite this, the fee was charged, prompting me to call and request that it be waived. 

When I called the business banking department, the representative was extremely rude, argumentative, and condescending. They repeatedly asked for identifying information, including both my business and personal checking account numbers, and made me repeat myself multiple times unnecessarily. This prolonged the call and added to my frustration. The representative then lectured me in a condescending tone, argued with my responses, and ultimately hung up on me without resolving my issue. 

I then called Citibank 's main customer service line and asked to speak with a business banking specialist. The representative claimed they could assist me, but it became clear they were not equipped to handle my concern. After keeping me on the phone for approximately 30 minutes, they also hung up on me without providing any resolution. 

Adding to my frustration, I discovered that my account is now frozen, and I am unable to log in. Additionally, XXXX is not working, which further hinders my ability to access or use my funds. This is highly inconvenient, as I rely on these services for my daily financial activities.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, XXXX I went to 3 JP Morgan Chase Bank branches in XXXX, Ohio to cash a refund check from Ohio University from my federal student loan. Chase has an account with XXXX University and their name is on the check. The first branch i went to was XXXX, XXXX XXXX XXXX. XXXX, Ohio XXXX. I gave the teller 2 pieces of picture IDs which was my Driver 's License and an employment ID and I endorsed the check with my signature on the back right in front of the male teller. He did not ask me for any additional ID but he asked me did i have an account with Chase. I told him no and i was willing to pay for the check cashing fee which was {$8.00}. He log on to the computer and told me the computer was not working and he could not cash it and then he stamped endorsement cancel on the back of the check. I left and went to a 2nd branch located in XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. This branch cashed my last refund check from Ohio University a couple months ago. This time when i tried to get the check cash there, the female teller refused to cash it and I was told by an male employee that the amount was too high. The staff also requested a stub for the check which i gave to them. Then the staff told me to sit down and wait while they make a phone call, then they motioned me over to a desk and told me they couldnt cash the check because the computer was not working and ask me did i have any more identification. I took my id information and the check and left. 

That is when i called Consumer Financial Protection and gave an account of what happened. The first 2 calls were accidentally dropped but the 3rd call wasnt and i spoke with a lady and told her what was going on. She suggested i file a complaint online. After i hung up with her, i went to a 3rd Chase branch located at XXXX XXXX XXXX. XXXX, Ohio XXXX. The male teller told me that the amount on the check was over Chase 's limit. He told me to wait while he called for approval. After he called, he told me, he couldnt cash it because it wasnt approve. I left that branch and went home with my check.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 

Details of the Dispute : 1.Name : My current legal name is XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX I request that my name be updated to reflect the correct information. 

2.Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX but my credit report shows an outdated address as XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. XXXX ) XXXX XXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX. I request that my current address be updated accordingly. 

3.Employer : My current employer is AXXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX, FL, XXXXXXXX XXXX XXXX I request that employer be updated to reflect the correct information. 

4.Date of Birthday : My DOB is XXXX, but it is listed incorrectly on my credit report as XXXX. I request that employer be updated to reflect the correct information. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address and current Employer.
Product: Mortgage

We are requesting copies of account ledger from XX/XX/XXXX through XX/XX/XXXX. We are also requesting copies of Mortgage statements from XX/XX/XXXX through XX/XX/XXXX and copy of Trial plan offer. The lender has not comply with our request
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to update my payment account for multiple days weeks and months. I emailed the company for assistance. I even messaged the company to make the aware that there is a glitch in the app where I couldnt update payment info due to the app asking me to verify my address and the kicking me out over and over. After looking on their XXXX  page many people have had the same issue and then they report payments past due when the consumer is trapped in not being able to make a payment. This app should be shut down. I would like this account removed or updated to positive payment history. I have photo and email evidence of my attempts to pay prior to being past due. Please help
Product: Student loan

I have contacted the 3 credit bureaus about inaccurate information about my credit score. I received a debt forgiveness letter from the department of education because my school was closed and a legal class action lawsuit was won against XXXX XXXX XXXX XXXX XXXX  I requested that all the debt forgiveness has released me from the debt reported on my credit report.
Product: Debt collection

Under complaint number XXXX this company is willfully violating my rights as a consumer under the truth and lending act Title 15 U.S.C.1611 this issue has now damage my reputation as a consumer because this company is trying to enforce a position in a contract that is void due to the furnishing of deceptive forms under Title 15 U.S.C.1692j. This company has outright lied about being creditors or having any security interest in a contract with me because they have never lended me anything nor were they present at consummation of the contract. This company is committing identity theft and has no regard for the rights of the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B XXXX SSN : XXXX DLN XXXX California Phone : XXXX Email : XXXX l am writing to formally dispute late payments on my Home mortgage in which I currently make payments to XXXX XXXX XXXX The original lender was XXXX XXXX XXXX. I will be attaching both accounts 1 which shows no lates with the other showing 6 lates after the account was sold to a new lender. What I believe happened was I was not notified of the changes and I believe the payment dates had changed. During the time I got these 6 late payments I was dealing with a medical hardship as wellMaybe through the changes notification were over looked! Not to put fault on myself or on XXXX XXXX XXXX, but things happen. I am a older hard working law abiding guy who defied odds even continuing to push forward with life dealing with a light touch of XXXX XXXX but there are no excuses in life and Nobody will save me but me. I kindly ask that you consider removing the late payments from my credit report as a gesture of goodwill. In support of this request, I am referencing the spirit of the Fair Credit Reporting Act ( FCRA ), specifically Section 602 ( 15 U.S. Code 1681 ), which calls for the fair and respectful treatment of consumers credit information.

If I may also ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681 s-2 The 6 late errors was beyond my control, and I request that it is fixed to never late. Again if you look over the reports I am sending you can see the error occurred when the company switched from Ocwen loan servicing to XXXX XXXX XXXX. Im almost XXXX years old and I need these lates removed to access my home equity to 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 and keep my income coming to be able to continue paying my bills and credit obligations is why I bought my house to help me as I got up there in age. Not to rub whoever is reading this request the wrong way, but to come from a human emotional stance to consumer law. 
FCRA 15 U.S.C 1681 ( d ) ( 2 ) ( a ) i ) Definitions ; rules of construction Excluctions! | was never given the opportunity to opt out as consumer law says! 15 u.s.c 6801 says that these financial institutions are suppose to protect my personal information continuously confidentiality meanning they dont even got the right to report my information when I didnt give my premission for it to be reported as in the inclusions section it says its against the law. 15 U.S.C 6802 & 6804 a, b, c! | wasnt given the opportunity to exercise non disclosure. One could read into the consumer law quoted above as I quoted being congress wrote it so vague, and could apply this as well as grounds to charge my 6 late payments to no late payments. Thanks for your time and consideration.

Company Name XXXX XXXX XXXX XXXX Account number : XXXX Opening date : XXXX - XXXX Amount : {$260000.00} Late dates to be changed to never late : XXXX XXXX - XXXX - XXXX - XXXX - XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your efforts in removing some of the fraudulent items from my file resulting from alleged fraudulent activity. However, there remain items that require removal. This marks my second complaint regarding being a victim of fraudulent activity, and I dispute certain inaccurate information, accounts, and inquiries in my file stemming from this crime. The disputed items do not pertain to any transactions for goods, services, or money that I have authorized or engaged in. Kindly REMOVE any items in my credit file resulting from alleged fraudulent activity. Please refer to my new FTC report # XXXX for the specified items per bureau below : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  Date Opened : XX/XX/XXXX XXXX Balance Owed : {$27000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed my credit report and identified several accounts that I believe are erroneous and were added without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please block following items listed. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$7300.00} XXXX XXXX XXXX  XXXX Balance Owed : {$7.00}, XXXX US SM BUS ADMIN XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Bank account or service

On XXXX/XXXX/2015 I contacted Chase Bank about my debit card being lost and asked them to cancel that card and I would go into a local branch here in XXXX and get a new one - which I did. While I was on the phone with them, the Representative asked if I recognized all the transactions. I told her there were XXXX I did not recognize, in addition, I had to XXXX more transactions which I had disputed previously, though I never received anything regarding the outcome of the claim. At that time she transferred me to the Claims Department and at that time they submitted a new claim with a total of XXXX charges ( see attached ) :XX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 Experian $ XXXXXX/XX/2015 FormSwift $ XXXXXX/XX/2015 XXXXh $ XXXXI received the response that these charges were processed correctly and my claim was denied. 

I do n't care if they were processed correctly, they were not authorized. 

Please dispute the charges and return my money.
Product: Checking or savings account

I been trying to get my funds going on XXXX weeks now from my school bank first I order an new card to try to access my virtual card didnt work because they said I had to put the previous pin I used which I forgot they didnt help on that saying thats a security problem and they cant do nothing about that now today the card I was waiting for they sent to the wrong place no they charging me again to buy a new replacement card to come to the right address that I put the first time
Product: Credit reporting or other personal consumer reports

GLOBAL LENDING SERVICES Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX CO Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my formal complaint to INFORMATIVE RESEARCH about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX, and my social security number 's last four digits are XXXX. The FTC report number related with this complaint is XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Debt collection

All of a sudden I see a bid credit score drop on XXXX  and noticed theres a collection from a XXXX XXXX bill. Ive never had XXXX XXXX  and reported dispute with no success. Following is my detail. 
Please help. This is NOT mine and seems like my identity was stolen. 

Account info Account name AMSHER COLLECTION SERVIC Account number XXXX Account type Collection Responsibility Individual  Date opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Balance {$250.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Original balance {$250.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX Collection as of XXXX XXXX Historical info Original creditor XXXX XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX