23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I found out that I have a property debt on my credit report for {$3400.00} owed to XXXXXXXX XXXX XXXX XXXXXXXX. I moved out of this property XX/XX/XXXX only after being there a few months and had very bad bug problems that never was fixed. Before moving Myself and my partner at the time were taken to court for 2 months rent or eviction was in process. We paid this payment to the apartments after court and still eventually moved. Fast forward to XXXX and National Credit Systems is on my credit for this property and for an amount I KNOW I DO NOT OWE. There is also XXXX XXXX on this account and she was never on the lease and is no longer living. I have called Nation Credit Systems over 5 times since finding out about this debt and trying to explain to them that this is fraud in so many ways and I need a Legal Document that originated from the apartments that itemizes the charges. I have been Hung Up ON, Talked So RUDE Too and Very over all unprofessional to me while I am in need of help with this. I was then emailed on XX/XX/XXXX a Noticeable made up copy of the debt and " ADDITIONAL CHARGES '' that have amounts but NOT What it is for. There is alot of Illegal things going on with this account and I really need this off my credit. I DO NOT OWE THIS MONEY.
Product: Bank account or service

I have XXXX proplems XXXX with XXXX and the prepaid direct express card. I have been on XXXX. Since XX/XX/XXXX.in XX/XX/XXXX I came up for review thats when my problem s started they denied me court date XX/XX/XXXX I had XXXX ( total XXXX with XXXX ) on the XXXX of XXXX which was out they really believed that it was XXXX but it was n't I called XXXX and was told that it would be rescu it was n't then I went thur XXXX. I appealed then every month or I had to go back and refile at one pointi had legal aide and they told that it was was fixed still no money I wrote all of the polictes in my state I recieved a response n I then told I had to reapply that news surprised cause for over a year finally I got a lwayer went to court in XX/XX/XXXX got approved I was to get a payee which did not do I was told I would get over XXXX lawyer would getover XXXX fine then I
Product: Mortgage

This is the third attempt to obtain assistance, I reached out to the Dept of Financial Institutions, who referred me to Comptrollers office who know referred me to CFPB. 
Like many other consumers, am trapped in a Mortgage that is larger than what my property is worth ; no to mention the security issues that I am having - that my car was broken into twice once XX/XX/XXXX and the other in XX/XX/XXXX. The Association told me they cant provide any security. Also, the property needs repairs and it has a little of black mold in the bathroom. 
Because of this issues On XX/XX/XXXX and XX/XX/XXXX, I contacted US Bank via email ( XXXX, XXXX, XXXX ). I was basically asking for assistance with my current Mortgage. I wanted to know if US Bank have any Programs that can help me without affecting my credit? I was reading that short sales, DIL and even Foreclosures will have a huge impact on my credit score, which will cause an impediment for me to be able to purchase a new safer property. 
US Bank is aware, as I have mentioned in numerous conversations with them that the current mortgage of {$87000.00} is more than the value of the property ; In XX/XX/XXXX US Bank did an appraisal as part of a loan modification, and valued my condo to $ XXXX +/-. In XX/XX/XXXX The City Assessors office valued my property at {$71.00}, XXXX. In addition, sale comparables around me are in the 40s and as I mentioned before the condo itself needs some rehab. 
As of XX/XX/XXXX, I have not received any acknowledgement on my request. I want to buy a house but Im currently stuck in the condo where I dont feel safe.
Product: Student loan

Im a XXXX  student at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  slated to graduate in a few weeks. Prior to the XXXX school year, I have had no outstanding Federal student loans. 

This school year ( XXXX ), I elected to borrow {$20000.00} in Federal Direct Unsubsidized Loans ( the annual allowable maximum ), but my Nelnet account shows a balance of {$30000.00} for these loans. 

Specifically, there was one loan for {$10000.00} disbursed via Great Lakes Borrower Services on XX/XX/XXXX, the start of the fall semester. XXXX returned this loan on XX/XX/XXXX because the Master Promissory Note ( MPN ) expired and a new loan for the full amount of {$20000.00} was disbursed on XX/XX/XXXX. 

My balance with Nelnet does not reflect that XXXX returned funds on XX/XX/XXXX, even though XXXX account ledger reflects the funds returned and XXXX has also supplied me with proof that they've returned funds through the NSLDS.

I've attached all documentation, including XXXX 's email response to Nelnet.
Product: Credit reporting or other personal consumer reports

I AM A XXXX FILING A COMPLAINT TODAY BECAUSE I HAVE ASKED THE CREDITOR TO DELETE CREDIT REPORTING INFORMATION DUE TO PAYING OFF THE ACCOUNT IN FULL ALONG WITH EXPRESSING THAT I HAVE A XXXX CLEARANCE IN THE MILITARY THAT I WILL LOSE IF THIS IS NOT DELETED DUE TO IT LOOKING LIKE I AM A RISK AND CAN NOT HANDLE MY FIANANCES, ALTHOUGH I HAVE EXPRESSED THIS CONCERN THEY EMAILED ME AND TOLD ME EVERYTHING ON MY CREDIT REPORT IS REPORTING ACCURATELY WHICH IN DEED IT IS NOT, PLEASE HELP ME GET THIS REMOVED DUE TO ALL INFORMATION I HAVE ATTACHED BELOW TO INCLUDE PAYMENT HISTORY MISSING, ALONG WITH SOME PAYMENT HISTORY SHOWING I AM UP TO DATE ON PAYMENTS, AND ANOTHER REPORT REFLECTING I AM SERIOUSLY DELINQUENT. ALONG WITH INFORMATION MISSING THAT I HAVE HIGHLIGHTED PLEASE HELP ME RESOLVE THIS THANK YOU.
Product: Checking or savings account

I have had a checking account with Chime bank for over 4 years and have never had a problem until now. On XXXX  XX/XX/24 I received several notifications on my phone that my debit card with Chime was being used at XXXX and XXXX XXXX. There were several transactions coming through. I wasn't able to stop XXXX of them, but once I realized what was going on I was able to shut off my debit card and prevent further transactions from coming through. 

I called Chime shortly afterwards and tried to report and dispute the transactions. I was told that they couldn't stop the transactions and that I would have to wait until the charges cleared before I could dispute them. Finally on XXXX XX/XX/24 the charges cleared and I called Chime back to dispute the charges. They opened a dispute case and sent this to their agents. At XXXX on XXXX  XX/XX/24, I was sent an email saying that my disputes were denied. How can they be denied when it wasn't me! 

I called Chime again XXXX  morning XX/XX/24, and told them I want my case reopened. I didn't spend this money and I also want a copy of any information that they have on those transactions and what the agents used to determine the denial. I want to know where these transactions came from. What city, state, etc. I was told they would send me the information in XXXX business days and that the customer service rep that I was talking to couldn't see any of that information. I was also told that the fraud agents that work these cases can't give out that information because it is confidential. CONFIDENTIAL?! It's my money and my account! 

Within XXXX minutes of reopening my dispute case with the customer service rep on the phone, I was emailed again saying that my claim is denied once again and this is their final determination. This is outrageous! Chime should be protecting my money! They should be trying to find out where these charges came from and giving my money back! I have been their customer for over 4 years and I have never had any type of fraudulent activity or asked them for anything until now and they do nothing!
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 confidentially under XXXX XXXX XXXX. Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX  XXXX 15 U.S.C 16881 section 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 Section 604 A Section 2 : IT Also state 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 CONTAINIG ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTION OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THAT 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: Debt collection

I keep getting calls from portfoliorecovery first the said I owed from XXXX  almost XXXX after which I said I have no recollection of this cc ( I initially thought it was from XXXX which I have had a dispute with ) then they mentioned other debts I already called them before to explain this situation they started asking me many questions I was fearful this was so.e kind of fraud. I am poor on XXXX I survive on XXXX each month. I have only XXXX cc which I don't use put pay a little on an old charge which is almost finished without issue I don't believe I owe this. Because I have limited income I can not pay for cc nor would I charge anything anymore since I am on ss
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inquiries that are on my report that i have NOT applied for. I have asked them to be removed but they have not submitted any proof back to me. Here they are : XXXX XX/XX/20 US SM Bus Admin XX/XX/20 XXXX XXXX XXXX XX/XX/20 XXXX XXXX XX/XX/20 & XX/XX/20 XXXX XXXX XX/XX/20 Also i Have accounts that are not showing on my Equifax that i wish to have on there. 
I have 1 Accounts with XXXX XXXX XXXX 1 account with XXXX XXXX XXXX XXXX 1 Account with XXXX
Product: Checking or savings account

On XX/XX/2023, my mother-in-law and I went to our bank, Chase, to deposit a check from XXXX XXXX for proceeds from sale of our mobilehome in CA. We are both Chase checking account holders, both gave clerk our ids, both signed check in tellers presence, and deposited check into my account. 10-day hold, no problem. Today, XX/XX/2023, I received a letter from Chase in my Chase app. The letter said to call fraud dept and my checking account was put on hold. I called fraud dept and they advise my mom and I too return to branch and show our ids to a manager, and have manager call Chase fraud direct to verify our identity. The manager called. He verified our identity, verified our home title was in both names, and verified our closing papers with XXXX XXXX was signed by both of us. After 30 minutes, the fraud dept said that not only were they holding the check until XX/XX/2023, but they would not lift hold on my personal funds or any direct deposits from my employer until the XXXX. They said I can put money in but no access to money already in my account or coming in. They also said, when the check clears on the XXXX, I have to personally call fraud dept and request the restriction be taken off my account. I had no issue with check hold, but I do not understand how they can hold my personal funds and pay.
Product: Debt collection

I paid the debt with tax offset and it has been transferred to another debt collector. And it has been added back onto my credit report when it is showing on my credit report to have been removed on XXXX, after the tax offset payment in the amount of {$300.00}.
Product: Credit reporting

This has been going on for over a year and a half. It has to do with XXXX XXXX XXXX ( XXXX separate accounts ). I contacted XXXX to fix the problem with Equifax , who was still reporting accounts were not paid in full and open that was still open. I wanted to give them a chance to fix the issue. Then to my surprise they made a Key Derogatory on the XXXX accounts to XXXX. 
I am just trying to fix my credit report and XXXX keeps making it worse. I have paid these accounts in full, one of them they put to a lawyers office and put me through a very difficult time, but I did pay them off. I did disputed the with credit reporting agencies about the fact XXXX was not updating my records that I was making monthly payments. I then recieved a letter for XXXX that they would not respond to any other disputes about any of my accounts. I can continue to look for that letter and the letter from the lawyer that the other account was paid in full, but on my credit report it shows that account has a XXXX balance, but with Equifax it is not closed. 
I would like to see some kind of justice happen. I want my report to reflect the truth.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

I started receiving calls on XX/XX/XXXX from a restricted number or XXXX. From XX/XX/XXXX they have called me XXXX times from the same numbers. Sometimes multiple times in XXXX day. They have also been contacting my husband on his cell as well. This debt has no ties to him and on XX/XX/XXXX when they called for thr XXXX time i told them they are not to try to contact me on his number. 

I did talk to them on XX/XX/XXXX and agreed to male arrangements with them but kindly asked them to call me back because i was driving and trying to drop my XXXX off at XXXX. They proceeded to keep me on the phone for XXXX minutes trying to " console '' me with XXXX XXXX and XXXX psychology. I asked them to send me a statement so i could send them monthly payments. I got irritated and hung up on them. 

On XX/XX/XXXX they called again and I answerd to let them know I received the statement and that I would be sending monthly payments. The XXXX girl " XXXX '' stated that was only if i was paying the entire balance. I repeated to her what my intentions were then she handed the phone to " XXXX '' where he started with his XXXX XXXX and XXXX psychology again. I explained that I did not feel comfortable giving my account info and that I would be sending checks. This conversation went on for XXXX minutes. They were very condescending and refuse to hang up after I told them I was going to send monthly checks.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report To Whom It May Concern, I am writing to dispute several unauthorized hard inquiries on my credit report, as per my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the FCRA stipulates conditions under which consumer reporting agencies may furnish consumer reports, and I believe these hard inquiries were not conducted with my explicit permission. 

The following are the unauthorized inquiries appearing on my credit report : XXXX XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX  ( Bank ) - Date : XX/XX/XXXX XXXX ( Bank ) - Date : XX/XX/XXXX XXXX XXXXXXXX ( Bank ) - Date : XX/XX/XXXX I did not provide consent or initiate requests with the aforementioned entities to access or inquire about my credit report. As per the FCRA 15 U.S.C. 1681b ( f ), it is illegal to obtain someones credit report unless the request is made with the consumer 's consent or under a valid purpose as outlined under the FCRA. I neither initiated nor provided such consent. 

Furthermore, I'd like to highlight 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable investigation upon receipt of a dispute. I hereby request a thorough investigation into these inquiries. 

If these inquiries are verified as unauthorized, the FCRA mandates their immediate removal. Please ensure these entries are expunged from my credit report. 

Enclosed, please find copies of documents that validate my identity and address. I am formally requesting all proofs or permissible purposes these entities might claim to have had, if any, to perform these hard inquiries. 

I expect this issue to be resolved promptly. Non-compliance or any delay might compel me to take legal actions to ensure my rights, as provided by the FCRA, are fully upheld. 

Thank you for your immediate attention to this critical matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request XXXX request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

I received an email from Chime XX/XX/XXXX saying " welcome to chime '' and asking me to set up direct deposit. I did not respond in any way at that point thinking maybe it was just a phishing advertisement. 

On XX/XX/XXXX I received an email from Chime stating that my Chime Visa/Debit card has been shipped to me and would arrive in about 2 weeks. It showed my previous address from 3 years ago. 

At this point, I tried to log in to Chime to see if there was an account. I was not able to log in. I contacted the Chime phone number to find out what was going on. I told them I wanted to close the account and that I didn't open it in the first place. They set the account to close but said it would not officially close until XX/XX/XXXX. 

Chime sent a closure email which still listed my former address and in the email it stated that any funds from the account ( which said it had a XXXX balance ) would be sent to that former address. I worried that there would be important personal information sent to that former address, so I contacted the company again to update the mailing address and confirm that the account is to be closed. 

At this point I am just waiting for that to happen.
Product: Credit card or prepaid card

I got several charges on my card thats why I asked for a replacement then even not activating my new card, theres again charges on it thats why I called the Capital One that im not going to use my new card. But still theyre collecting payments from me. 
im just using one credit card and that is XXXX XXXX Credit Card and im paying it {$500.00} to {$1000.00} a month
Product: Debt collection

On or about XX/XX/18 I make a cease and decease letter to XXXX XXXX , XXXX Assignee of Santander Consumer USA , INC and to Santander Consumer USA, INC in the amount of XXXX. on XX/XX/18 a letter was drafted by XXXX XXXX XXXX XXXX XXXX. This letter was drafted after I mailed them both a cease and deceased letter explaining to them not to contact me. I do not owe XXXX XXXX XXXX XXXX anything they brought this debt and my account with Santander is closed. 

Can you please assist me further with this matter.
Product: Checking or savings account

This Account Information My Bank : XXXX I opened an account at PayPal to work in the purchase of products via the Internet and received money by my trade and there is no problem on XX/XX/2018 I received an email telling me that your account has become limited and we want some information about you from the picture of the personal identity and a copy of The account statement was opened and an account was sent to them and the complete information that was requested was contacted by the customer service over the phone Talk to me technical support staff and told him in the problem and told me this is normal procedure and your record is clean There is no problem in your record and this question time I told you Thank you Tell the employee when a new account is opened My account was closed within 24-48 hours. An account was opened by the specialist. I told you thank you. I was locked for 6 days. I spoke to the customer service to find out what happened in a problem. My account was shown to me. I gave her full information to access my account. If you have a problem, please tell me if my job is clean and there is no doubt and the employee told me that my record is correct and the account will be returned. Please tell me, please wait a few minutes to know the reason for closing. I told her there is no problem. Some 3 minutes passed on a phone. I told her I have no other account and no It was possible to open a second account because it allows me to open only one account. You told me that you are liar and an account was closed because of the similarity between me and other accounts that were established and I closed the phone and I speak. Why this racism and I know that America is a country of freedoms in the religions and this bank has the right to open an account I ask your accounting by accounting this company and force the company to recalculate Note I am the company PayPal I open an account for people living in XXXX and are created accounts that people live in America and were corresponded from a company for this subject and was sent to them the account number of people living in XXXX and I have information and accounts of people living in XXXX with their own accounts And conversations will be sent this information to competent authorities
Product: Student loan

I am the co-borrower on a student loan. The borrower has made all his payments ( a few late, but made. ) I have ask and the borrower has ask to release me from the loan and we 're told it ca n't be done. This loan was taken out in XX/XX/2005 the borrower has paid over {$22000.00} on it ( of course all toward interest because the original loan was {$32000.00} and the balance now is over {$36000.00} ) We are asking to release me the co-borrower, the borrower will continue to make his payments as usual.