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

In XX/XX/XXXX I applied for an apartment at XXXX at XXXX whose address is : XXXX XXXX XXXX XXXX XXXX in XXXX, Texas XXXX. I did not get approved due to my credit. I got residency at another address. On XX/XX/XXXX I went to a federal job interview and learned that XXXX apartments had charged me XXXX dollars since XXXX. This is a delinquent mark on my credit report and has been since XXXX. I called them on XXXX at XXXX XXXX about the bill that they claim I owe. I spoke with XXXX who works in the office there said she will locate my file and call me back. She also took down my phone I called back on XXXX XXXX at XXXX XXXX. I spoke with XXXX in the office who told me that they have not yet grabbed my file and when they do they will give me a call back. I did not receive a call back on XX/XX/XXXX. I called the collection agency handling my file. The company is Hunter Warfield Inc. whose address is : XXXX XXXX XXXX XXXX. XXXX, Florida XXXX. I called them at XXXX XXXX and spoke with XXXX XXXX who stated that the charge was a utility service fee. He suggested that I pay the debt and then they would alert all three credit companies for half the price of the debt.I refused. I then called XXXX XXXX on XX/XX/XXXX at XXXX XXXX and spoke with XXXX in the office. I told her who I was and she then stated that they pulled my file and submitted a request to the credit company and its in the process of being taken off. I then asked for a letter stating that I dont owe them and XXXX agreed to send me an email on a letter head. I still have not received this letter. I called Hunter Warfeild at XXXX. on XX/XX/XXXX and spoke with XXXX to make sure that the paperwork was received by them. XXXX said that they have not yet received any paperwork from XXXX. XXXX also said it was a file for identity theft. I told her there has been no Identity theft. I would like this false charge to be removed from my credit report and i would also like my credit restored in some way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the following incorrect information from my credit report, it is inaccurate I'm never live in thefollowing addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the following names are incorrect my name is " XXXX XXXX XXXX XXXX ''. Pleasedelete the following incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Incorrect employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also delete the following unauthorized hard inquiries these inquiriesis not belong n to me. 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: Credit reporting, credit repair services, or other personal consumer reports

My only mailing address is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX as I told them in a written letter with clearly legible photocopied acceptable ID. I received a rejection post card from them with bogus reasons.
Product: Debt collection

I was in the process of buying a home but when my loan officer checked my credit they told me I had a collection on my report. I said collection? You got ta be kidding me! Then he told me it was some kind of a medical bill. So I looked up my credit report and saw that it was from some company called DRS or XXXX XXXX and I'm telling you that I have never had any services from these people so I disputed it online. I got a response from DRS with 3 bills, all of which said that I did not owe them anything so why are they on my credit report? I don't even recognize the doctor 's name or the date of services listed as I never had these services and I think either someone used my identity to get these medical services or they incorrectly billed me for someone else 's treatment. This account has lowered my score almost 100 points and is preventing me from buying a house. I need it off my credit ASAP or I am going to get a lawyer and sue these guys.
Product: Credit reporting or other personal consumer reports

Two credit cards were attempted to open. One was XXXX XXXX and other one was Wells Fargo. I called experian and the credit card companies. The inquires were removed from my credit report and I locked my credit with experian for now
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT AND INQUIRIES HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THOSE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Product: Credit card

XX/XX/XXXX. XXXX Macy 's XXXX XXXX XXXX ( managed by Citibank ) Macy 's XXXX XXXX Account Payments XXXX XXXX XXXX XXXX, KY XXXX RE : Old and New Macys/XXXX  XXXX XXXX XXXX XXXX XXXX Closed by MacysXXXX XXXXCitibank (? XXXX XXXX Ending in : XXXX Minimum Payment : {$0.00} Due Date : XX/XX/XXXX Current Balance : {$0.00} Available Credit : {$0.00} XXXX ) Opened by Macys/XXXX XXXXXXXXCitibank ( XXXX XXXX XXXX Ending in : XXXX Minimum Payment : {$1600.00} Due Date : XX/XX/XXXX Current Balance : {$5700.00} Available Credit : Not Available In the latter part of XXXX, we were called by a person who represented that she was a 'Macys ' representative. She did not clarify if she also represent XXXX XXXX or Citibank. 

She advised that there had been fraud on our account involving a XXXX transaction. We did not see this on our side, and we did not report such fraud ; we advised that we did not originate the charge, nor do we use XXXX. 

She insisted the account must be closed and a new account opened ; we were not given a choice. Thereafter, it was impossible for us to access the original account online to pay or otherwise utilize the card ; moreover, if we called, the issue of the supposed fraud hindered us from receiving assistance. 

Subsequently, for many months, we could not access the portal to see any activity or pay. Months later, one of the three entities above opened a new account. For a while, a balance was left in the old account and the autopayments we had set up covered payments due even with our limited access. Later, the balance was migrated to the new account, and we then did not have access to the new account. 

Fortunately, we had placed the payment on monthly autopay, and this has continued to pay the original account ( see the attached printout of payments since XX/XX/XXXX, the furthest back we could retrieve information online ). 

Recently, Macys proceeded to process a payment in the amount of over {$1900.00} dollars, which was not originated by us and was therefore attempted fraud. We advised our bank of this unauthorized withdrawal. The bank was able to confirm the monthly payments we had programmed and reversed the transaction. We advised the bank to accept the smaller payments. 

However, despite the ongoing payments, we continue to receive calls regarding payment. If, due to Macys insistence on having two accounts, any payments have fallen in arrears which we are not aware of, this intentional or accidental negligence should not penalize us. To our knowledge, Macys did not provide two sets of bills for these accounts, specially in view of the fact that the separate accounts were not created for quite some time and that our access to the portal was hindered. 

As we do not know who is actually taking these actions that seem to either be fraud or at best, mismanagement of our account, we are including all three entities in this CFPB complaint because mismanagement of our credit reporting will result in our inability to refinance our home, and we are facing a balloon mortgage in two months. 

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

On XX/XX/2022 I submitted a dispute letter to the credit bureau agencies ( XXXX, Transunion, XXXX ) explaining that the accounts below on my report are stating inaccurate payment history. 

XXXX XXXX XXXXXXXX -not mine XXXX XXXX XXXX  XXXXpayment never late I have not received a response from any other the credit agencies.
Product: Checking or savings account

Chase, could you please explain why you closed my checking and savings accounts?! It is crazy you close a customer 's account without a legitimate reason. I can not think of any reason because I've done nothing wrong. All I can guess are possible three things :. At the end of 2018, my balance on other banks ' credit cards is a little higher than normal ( about 30 % of the total credit lines ). This caused Chase to close all my Chase credit cards ( All my other banks ' cards were not closed at all ). Isn't it ridiculous? After I paid off the balance, I called Chase to reopen my accounts. Chase told me the reopen request must be filed within 30 days of account opening and since that day I called was the 32nd day, my accounts can not be reopened. I've never opened any Chase card because I heard other people say if Chase closed your account then you are on Chase 's blacklist and if you open a new account it will be closed. Several months later I closed my Chase checking account because I was disappointed with Chase.. Three months ago, I opened checking and savings accounts because there is a bonus offer of {$300.00} for checking and {$300.00} for saving. I opened my accounts online and deposited a check from my other bank of {$15000.00} in-branch to meet the {$300.00} offer requirement for the savings account. My credit score dropped a lot last month because I had a large balance. But now I've paid off it and my score has recovered to over 800. 

If is the reason this time you closed my checking and savings account, could you please tell me how many years you put me on your blacklist? Since I am receiving your credit card flyers from time to time. I do not want to waste a hard inquiry, applied, approved, and immediately closed again by you. If is the reason, is it because I deposited more than {$10000.00}? If you think deposit high amount is dangerous, why you make the bonus offer of depositing {$15000.00} and keeping it for 3 months?! If is the reason, please explain why credit card balance affects checking and savings account?! No matter,, or, none makes any sense to close my account. I've never encountered any other bank as crazy as Chase. Please give me the reason why you closed my account.
Product: Credit card or prepaid card

I am a victim of identity theft through Paypal credit card issued through Synchrony Bank, and have reported this via a FTC Identity Theft Report. After much work on my part, the company appears to have finally closed the account ( after a five month delay ). As is my right under Section 609 ( e ) of the Fair Credit Reporting Act, I have been seeking records relating to the fraudulent account from Synchrony Bank and Paypal since XXXX, XXXX. I have written letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. With each of these letters, I enclosed the required documentation, including police reports, proof of identity, my FTC Identity Theft report, and account numbers. I have telephoned them multiple times, including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and others. Each time I inquired about this issue, the service representative specified a different address to which I should send my letter. I followed their instructions about sending the documentation and used the addresses they provided to me.They have ignored my demand for this information and have not provided any rationale for their lack of action. I demand that they send to me all records they have about this fraudulent account, as is my right under Section 609 ( e ).
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX approved me for a secured card in which they took the funding out of my account. Now that they have took my money and open the account they froze the account to do extended verification on my record without giving me anything that makes sense I thought that I was already approved for the card and they came in froze the card just a couple days ago and now that they have had me sign extra verification form it has start putting all type of alerts on my account about fraud alerts and extended verification personal statements and some other items that have just impacted my credit monitoring credit reporting XXXX XXXX  has now hurt my credit monitoring more than it has tried to open and impact my credit by opening the card I dont know what the XXXX is going on with this company, but it is adding new alerts to my XXXX credit monitoring every XXXX day several alerts I called XXXX and they act like they dont know what the XXXX is going on and they the only freaking company that I have open any type of credit with recently and I literally didnt start getting alerts on my credit monitoring until yesterday, which is the day that they have me signed his XXXX consent for extended verification to be stated for the record in this complaint, that if this has any type of negative impact on my credit, or my credit monitoring, I will be immediately filed the lawsuit against XXXX card. And for them to lock the XXXX car right before XXXX XXXX is a XXXX and XXXX XXXX thing to do for a company. If they were going to lock my XXXX car, they shouldve done it prior to when the card was issued or before letting me open the XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. XXXXonsumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$5000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$920.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to dispute some delinquencies that XXXX placed on my credit report viewable on all major Credit Bureaus and they refused to honor my well-grounded dispute. Just to provide a brief description of the disputed delinquencies, I have 3 late payments listed on all 9 accounts I have with XXXX and some show up as 150 days past due. The repayment process was scheduled to begin on or around XXXX of XXXX, around the time the 6-month grace period was to expire, with the first monthly payment scheduled for XX/XX/XXXX. 

However, during the summer of XXXX I was enrolled at XXXX XXXX XXXX XXXX as a student particularly on the dates of XX/XX/XXXX through XX/XX/XXXX. Per the FSA, a 6-month grace period is granted to students who borrow both subsidized and unsubsidized loans before they begin repayment although interest can accrue. This would mean that my grace period would have begun on or around XX/XX/XXXX instead of XXXX of XXXX. During the time I was under the impression the grace period expired, I was in the process in the process of applying for the Income Driven Repayment program which I was later approved for and my it extended my repayment to XXXX or XXXX of XXXX. I have attached my student ID, my account activity summary, my student profile, and my transcript all of which will corroborate the Student ID number. Also, the profile and account activity summary corroborate my address. Most importantly, the account activity summary and transcript will corroborate and confirm that I was attending classes as a student at XXXX XXXX XXXX XXXX from XXXX of XXXX through XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX  {$29000.00} XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have a student loan in which I have been done both consolidation and rehabilation but I defaulted again. My check was being garnished as well as my Federal Income taxes have been taken. I borrowed {$20000.00} to go to college. After defaulting on the consolildation it went up to XXXX after failing to comply with that going into default my student loan became {$39000.00}. I admit that I have not taken care of this matter as best I should have But I think my rights as a consumer is voliated when I am told by the Collecting Agency that payment that were taken by garnishment do n't really count as payment because I did not make any voluntarily payments But Van Ru has garnished by pay for over three years as well as my income taxes are being kept. I know that Van Ru is being investigated for charging outrageous interest on student loans. I know that over {$40000.00} have been paid by me either directly or taken through garnishments or taxes. I will like to know why I was told by Van Ru that there is nothing that I can do to ever come out of default with my student loans. I think that is a punishment which is to severe. I will like to know my true total that is owe to Federal Student Loan. I am trying to get out of default with my student loan, I think it is ridiculous to say that I still owe {$60000.00} in student loans when you look at my payments I have paid well over the {$20000.00}. that I have borrowed originally. I have signed up for student loan forgiveness programs and paid but I was told that I do not qualify for any programs to come out of default. There are student loans forgiveness program that are out taken consumers money..When they do not have the ability to help you. But they are charging these outrageous fees. They tell you that it is a money back guarantee. I paid an agency that promised to assist me student loan forgiveness and they just took my money. I understand that I allowed my loans to go into default. But to take my through garnishment and taxes and tell me that the payment are going towards fee charged by the agency and interest. But yet no even making a dint in the principal which is about three time what I have borrowed. How many times am I going to pay {$20000.00} that I originally borrowed. This is wrong on so many level. It is inhumane.
Product: Credit reporting or other personal consumer reports

I believe that the following information on my consumer report is inaccurate and should be deleted : - 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 XXXXXX/XX/XXXX I am writing to request the deletion of certain information from my consumer report maintained by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681b, I am entitled to request the removal of inaccurate or outdated information from my consumer report. 
I am making this request based on the permissible purpose outlined in 15 USC 1681b, which allows consumers to request the deletion of information that is inaccurate, incomplete, or unverifiable. I have reviewed my consumer report and have found the above-mentioned information to be inaccurate and request that it be removed immediately. 

Please investigate this matter and provide me with written confirmation once the information has been deleted from my consumer report. Thank you for your prompt attention to this matter.
Product: Mortgage

My mortgage was transferred to the new company they dont care about customers its like a pre read statement no matter who you talk to and they all say the very same thing it takes for ever to talk to someone and get results cause they dont care When I was transferred my insurance was due on my condo I was so nervous I paid {$200.00} so it would be active now my taxes are due they received the bill and Im still waiting for them to pay them They take way more money each month for escrow which my taxes and insurance are about {$900.00} a year for both right now there is enough to pay both I hate that they treat me like I dont know what Im talking about Please help with this stupid company I would love to transfer but I dont have the funds to do so