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

I was a tenant of XXXX XXXXXXXX XXXX located in XXXX, TX until XX/XX/2017. During the time that I was moving out, it was in the height of the recovery efforts due to XXXX XXXX. The office hours to the complex were erratic at best and everyone had much on their plate to deal with. I notified the apartment manager of my intent on moving out verbally and she stated that she would handle it. 
A few months after I moved out, I received notification that I was in violation of my lease from a credit company. The credit company stated that the violation was due to not giving notification that I was moving out. They stated I owed {$1000.00} due to the violation. I then requested an investigation from both the credit company and my apartment complex. The credit company stated they did an investigation and were told I did notify the complex I was moving but later recanted the move out which is false. I never recanted. The complex told me that they would investigate and contact me. The contact that I had through the complex never called me back to let me know the outcome. After attempting several times to contact her, she emailed me to let me know I would have to file a complaint through the fair housing to seek recourse. This made no sense to me and questioned her credibility as to the thoroughness of her investigation. 
I feel as if they are reporting that I violated a lease without any credible evidence that I did so. Moreover, the credit recovery agency are harassing me for money that I do not owe them in lieu of the apartment complex. 
I do have emails, phone records and documents to show my attempts to remedy the situation prior to filing this complaint.
Product: Credit card

Someone applied for a Capital One Credit Card in my name two different times. Once in XX/XX/2023 and in XX/XX/2023. They also applied at XXXX XXXX in XX/XX/2023. Neither of these companies will let me have a copy of the application. I think the fraudulent person is using my information on the application, but put their address in the billing section of the application. If Capital One and XXXX XXXX would give me a copy, I could press charges on the fraudulent person.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I AM MAKING THIS COMPLAINT AGAINST CHEXSYSTEMS for furnishing inaccurate information to my consumer report. It is imperative that ChexSystems always has the most accurate information in my credit file at all times. By furnishing these inaccuracies, ChexSystems is in direct violation of 15 USC 1681b ( a ) ( 2 ) because ChexSystems has, in fact, knowingly furnished my consumer report with inaccuracies multiple times without my permissible purpose or written instructions to do so. As a result, these actions have caused my family and I a great deal of injury and stress. I am demanding the following personal information that has been incorrectly reported be DELETED IMMEDIATELY. Please delete the following inaccurate addresses : XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, LA XXXX. Please delete the following inquiries as well, since no consent is identity theft. I never gave any of these companies or Chex Systems permission to furnish these fraudulent inquiries. I DID NOT AUTHORIZE, BENEFIT FROM, NOR CONSENT TO THE FOLLOWING INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

XXXX  XXXX XXXX ( XXXX ) did not respond to my challenges and did not received my Diploma and i reach out to MOHELA and The Department of Education to further take actions againts the School. I asked MOHELA to freezes the loan, but no responds. I hope this does not affect my yearly income taxes or i will retaliate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is XXXX BAL {$1600.00} and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX XXXX XXXX, XXXX # XXXX DELETE THESE ACCOUNT THEY ARE NOT MINE. I am unable to locate documentation that they have complied with the any of the federal and state laws requirement, which is a violation of the FCRA & FDCPA. Also, as Stated before 604,605 FCRA Laws I fail to see where THE FOLLOWING INQUIRES WERE not AUTHORIZE Please delete the following : XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, I have filed a complaint the the following addresses are not mine please delete the following : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Disputed for specific items inaccurately reporting on my credit report THREE times via mail sent certified mail. Each time, Experian stated, in writing they verified that these items are being reported correctly? I requested written information requesting the name of the representation who the company verified the accuracy of these accounts or how they verified them? I did not receive verification as I requested. After no response, I supplied documentation confirming the items on the credit report are inaccurate. As of today, XX/XX/XXXX, the inaccurate items remain on my credit report First dispute XX/XX/XXXX Second dispute XX/XX/XXXX XXXX dispute XX/XX/XXXX RESENT AFTER RECEIVING INVESTIGATION RESULTS VIA E-MAIL Fourth dispute XX/XX/XXXX CALLED TO SPEAK TO AGENT IN THE DISPUTE DEPARTMENT.AFTER RECEIVING INVESTIGATION RESULTS VIA E-MAIL
Product: Credit reporting or other personal consumer reports

I am reaching out regarding an ongoing issue with inaccurate information on my credit report that remains unresolved. Despite multiple disputes requesting correction or removal, the same inaccurate information persists, with no updates made to reflect accuracy.

This lack of action disregards the Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681i, which mandates the need for 100 % accuracy in credit reporting. I am providing further documentation to support this dispute and request that you reinvestigate immediately, ensuring this information is either corrected or removed from my report. Additionally, please provide documentation showing that the account has been verified and updated accurately, as required.
Product: Money transfer, virtual currency, or money service

I initiated a transfer through western union to a relative bank account in XXXX and western union placed the money on hold and wanted an Id for my relative my relative submitted the id a couple of days back western union refuses to release the money even after that I told them to just refund it and they keep saying give the is and refuse to refund the money the tracking number is XXXX  XXXX Picture was emailed to my Id for the western union site
Product: Debt collection

Collection letter with account number : XXXX with a balance of {$51000.00} from an old account. Which has a date of last payment XX/XX/2013 this account is already outlawed and with misleading practice tries to collect this account. When I call I give them the account number and they answer me with another number and another person name. Insisting that if I listen to them to try to get me to tell them yes. And edit the call using my voice to use as if I affirm the debt.
Product: Credit card or prepaid card

My dispute with Sears has been going on since XX/XX/XXXX. I contacted them when I returned from my trip to XXXX on XX/XX/XXXX because I charges on my bill that were not made by me. I was out of the country from XX/XX/XXXX until XX/XX/XXXX. I was sent a new card and told that an investigation would be opened. Since that date more charges have been made on that account none of which are made by me. Sears has been extremely unhelpful in resolving the matter. At some point I believe my identity was stolen because I have had similar issues with other credit card companies with that were opened without my knowledge. I also had unauthorized charges made on other store cards and they all have been settled and resolved by each company but sears continues to give me the run around. I have made a police report as well as reported the fraud to all 3 credit bureaus and so far everything has been resolved. Even the IRS is informed of the issues Ive had. I just want to get rid of this issue with sears because it is affecting my credit. Ive had my sears card for more than 10 years and Ive never had an issue making payments. I pay all my credit cards on time I wouldn't have any motive to want to take advantage of sears. Ive gotten to the point where I had to close my store card because I can no longer deal with the aggravation of having to call almost everyday for the past 6 months and stil get no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached Screenshot proves XXXX reported to XXXX {$0.00} balance due but they will not update my credit score, I need to help family get loan for medical, Please ask them to update my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is incorrect on both XXXX, and TransUnion. My correct name is XXXX XXXX XXXX. 
My address on both XXXX and TransUnion is incorrect. My address is XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Any previous addresses need to be deleted. 

Lastly I am Retired
Product: Debt collection

Debt is not mine and the Statute of Limitations has Expired.
Product: Credit reporting or other personal consumer reports

I am reaching out to provide an follow up regarding my previous complaint concerning the incident in which I fell victim to identity theft. Once again, I wish to reference FCRA Section 605B, as outlined in 15 U.S.C. 1681c-1. This provision mandates that Credit Reporting Agencies must expunge and prohibit the inclusion of any items specified in an identity theft report. Kindly examine the attached documents to facilitate the process of expunging the inquiries that have appeared on my credit report without authorization. Below, you will find a comprehensive list of these unauthorized inquiries that have adversely affected my credit history : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call today XX/XX/2020 at XXXX XXXX  PST from Midland Credit Management ( XXXX ) XXXX on my personal cell phone asking for my wife. I said this is her husband and the debt collector started divulging information from a debt that she previously owed to a different entity without proper verification of who I was or obtaining consent from the owner of the debt to discuss this information with me. When I asked to speak to a supervisor to explain that they were in violation of FDCPA he assured me that they were not. I explained to him that I am fully aware of the law as I have worked for consumer collections for over 20 years and he proceeded to dismiss it to be true and continued to ask me to resolve the debt. 

Since the company is in violation of the FDCPA I would like a full investigation and proceed with the fullest of penalties that are applicable to this agency and the original owner of the debt since they are responsible for vetting the collection agency that represents them.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request credit inquiries that were unauthorized to be removed from my credit report. I received a copy of my credit report and became aware of inquiries that I did not authorize. They are as follows. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Friday XX/XX/XXXX I was notified by my credit card company that they were closing my account ending in XXXX, with a credit line of {$11000.00} and were dropping my credit line on XXXX from {$30000.00} to {$22000.00}, which was just over my balance of {$21000.00}. As Bank of america are my sole credit cards, this drastically lowered my lines of credit and dropped my utilization score from 53 % utilized to 96 % percent utilized. This will directly impact my credit scores. The account that they closed with a XXXX  balance I have held since the year XX/XX/XXXX. This will also drastically affect my credit score. I did make two late payments on the account recently, with me being unaware that XX/XX/XXXX was late. It was due on the XX/XX/XXXX, which was a weekend and my bill pay did not post it until the XX/XX/XXXX. Bank of America, only allows payment thru there website if you have a bank of america checking account. Thus I have had to use my local banks bill pay which may not be the quickest, but i believe in helping the local economy. XX/XX/XXXX bill was not paid due to oversight but i have since paid it. I dont feel a weekend posting delay and one genuine oversight leads me to have accounts held since XX/XX/XXXX to be such drastcally affect. There has not been a change in my credit recently, in fact i have been paying down balances. In addition I get false information from BOA agents who told me the account is closed, but as of now XX/XX/XXXX i logged into the account ending in XXXX and it appears open? I do not feel this is fair treatment of a customer who has been a loyal customer, with no other credit card banking relationships. I have made them the card of choice due to my longevity with them, in order to not affect my credit scores. This treatment is unfair. If I am such a delinquent, why not have an email or phone call any of my numbers stating I missed a payment. No such calls were made. I truly feel that BOA has drastically affected my credit profile by closing my longest held account unfairly and deceptively, via email on a Friday when I can not contact anyone in that line of business until the next week.
Product: Student loan

I applied for loan forgiveness as I work for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as an XXXX XXXX. I applied under the Public Service Worker forgiveness program only to be told that my loans did not qualify because they were not direct loans. I originally got statements from Sallie Mae that changed to Navient. I have seen the lawsuits against Navient and believe I am one of those affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX DEPARTMENT ALL IGNORING WRITTEN COMPLAINTS AND REQUESTS FOR LEGITIMATE ASSISTANCE IN CORRECTING MANY GROSS ERRORS RESULTING IN $ XXXX LOSS IN MY ATTEMPTS TO OBTAIN CREDIT. I NEED CFPB TO PLEASE ASSIST IN GETTING IN TOUCH WITH A REAL PERSON WHO CAN ACTUALLY HELP RESOLVE MY CREDIT FILE.
Product: Credit card or prepaid card

The company is Sears credit card service.I initaited a purchse to a company called XXXX XXXX to a XXXX XXXX XXXX for service with my idea I paid {$100.00} on XX/XX/XXXX and than {$590.00} on XX/XX/XXXX. According to the contract, I had 3 days to cancel my contract and get a full refund. I decided I did not want the service and felt uncomfortable with there service and called within 3 days and asked for a refund on XX/XX/XXXX I sent out an email and called no answer so I also left a message I contacted Sears credit card service because I used the credit card to pay for the service and they tried to contact the merchant as will after not receiving a response they issued me a temporary credit. About two months later Sears credit card company reversed the credit and charged it to me for lack of information. I then sent them the receipt and email attempting to contact the merchant by fax and email. Sears stated they never got my email and than they are still saying they need more information from me after I sent them the fax and all the necessary docments. I would like my credit back on my account I hope you can help thank you.
Product: Bank account or service

I deposit three authentic USPS money orders through the USAA banking app ( which USAA claims to support money order deposit ) on XXXX XXXX and XXXX XXXX. The app shows these money orders are available immediately. So I used the balance to schedule my credit card payment the next day. However, after 3 days, all of the money orders become " on hold '' while the USPS money order system shows the bank already cashed these checks. Now the USAA bank tells me all of the money orders were returned when the USPS money order system shows USAA cashed them. This will cause a big problem because my credit card accounts will charge me return check fees. In addition, the USAA bank says it is shutting my account because of the return check when in fact they cashed it. I have uploaded the picture of money order with the serial numbers which can be verified through USPS money order system to be genuine. Now I can not deposit the money orders elsewhere because USAA has cashed it, but also I can not get access to the fund in my account because USAA claims the checks are returned.
Product: Checking or savings account

i was owed money for 2 months where my account was compromosed and they gave me the credit thios morning then closed my accpoyunt andcanceled card so ii couldnt gert my money
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on the FCRA law Experian is allowing a company to report a account over ten years old on my report fraudulently created. The debt collector is showing false information stating the account was created in XXXX. This is not true. The debt was bought from XXXX for a account created over ten years ago. Experian refuses to remove this account. Bought by XXXX XXXX XXXX.
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 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 : 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: Mortgage

On XXXX XXXX, 2015, I had just one face-to-face conversation ( wherein I did provide taxes & some other financial documentation ) with XXXX, a loan officer from Wells Fargo in XXXX, Washington to obtain his professional opinion of my debt-to-income ratio for a desired refinance of my primary residence. I clearly stated I did not want to move forward in any other way until he had looked through the docs & could be reasonably sure my scenario could meet their DTI requirements. He was told I did not want my credit pulled as it had just been pulled by an incompetent loan officer in XX/XX/XXXX & I did not want damage to my credit scores by multiple credit inquiries. On XXXX XXXX, I received my " notice to the home loan applicant '', and it was the only knowledge I had of this LO pulling my credit -- he DID NOT ask permission on XXXX XXXX, the date he pulled it. He was never given written OR verbal authorization to do so. They have no documentation of any sort signed by me in connection with this proposed loan -- no XXXX ( I never filled one out ) or any other disclosures, and certainly no authorization to pull credit. 
TO NOTE : From the time of the aforementioned credit pull in XX/XX/XXXX, my XXXX score dropped from XXXX to XXXX. I contacted their escalation department & spoke with XXXX who " investigated '' & called me on XXXX XXXX to tell me it " seems like a he-said-she-said situation '' and that he could do nothing. I said I had an emails wherein I questioned LO about why he had pulled my credit ( as well as why I was getting no contact or proper communication from him on any level ), and he asked me to send those to him. To my dismay, on XXXX XXXX he replied in part : " I 'm compelled to say that I think we do n't have enough information that it was understood that your credit would be pulled. Your email did n't state anything in regards to not telling the HMC to pull your credit. Unfortunately we will not be able to have the credit pull removed from your credit report ''. 
Being a former loan officer myself ( from XX/XX/XXXX-XX/XX/XXXX ), I am shocked that a financial institution has the right to intimate that I have to tell them NOT to pull ( which I did! ) or that ( perhaps any ) consumer would/should simply " understand '' their credit would be pulled! I ALWAYS GOT SIGNED AUTHORIZATION from my consumers! I 'm further shocked that this loan officer can just ( apparently ) say I gave him verbal authorization?! And XXXX stated in our phone conversation on XXXX XXXX that me providing some documentation ( again, never filling out an application NOR signing the authorization to pull credit! ) was considered by them as me " understanding that my credit would be pulled '' .... 
Can you please help me? It 's a real matter of principal for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : 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