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

My wife and I were tenants at XXXX at XXXX XXXX  in XXXX XXXX, Texas. We expressed concerns via telephone and in person to the apartment management about our upstairs neighbors disruptive behaviors. They were loud ( music and parties ) during weekdays and weekends. Very frequently they had visitors and they were using our paid covered parking space ( picture attached ). We called the after hours phone number to report the incidents. We also notified management in person. Both of us have XXXX problems as we have mold XXXX. I suffer from XXXX and we had visible mold on the shrubbery and trees at both entrances which made both of us sick. We had a palm tree on the back entrance blocking our way and it was never trimmed ( attached picture ). 
The trash collection area was not kept clean, the mechanical box was not working and it was full most of the time. So, tenants were placing piles of trash bags on the floor ( attached picture ). Our apartment was just a few feet from the trash area. The smell was very strong and there was lots of flies. It was a very unhealthy condition. Due to these issues affecting our health and management not resolving our complaints, we decided to buy a house and move out ASAP. We notified management in writing of our early move and the reasons why we needed to terminate the contract. Management sent us an email stating that we needed to give them a 60 day notification plus pay for the early termination lease contract even though it was not any fault on our own. They failed to correct the problems reported to them several times. We paid every month of rent and left the apartment in good and clean condition. We also gave them written notice of early move out.
Product: Debt collection

I spoke to a representative from XXXX, XXXX, and XXXX today and they told me they were planning on filing a lawsuit against me and placing liens against my assets. I barely had time to review the documentation they sent to me. I had agreed to pay XXXX a month for XXXX months as a temporary hardship arrangement. The representative agreed to but they said they would still file the suit.
Product: Money transfer, virtual currency, or money service

Cash app closed my account for no reason now has my money on the account Nd I cant access my money or cash out my money cash app disabled my card XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nc 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

I have a collection on my account and they keep updating the date every couple months. The collection will disappear then come back. Or they update the date to a more recent date and my credit score keeps dropping and Ive worked REALLY XXXX hard to get to where Im at with my credit score. My score just dropped by XXXX points and I have NO missed payments and nothing that would cause this to happen. The debt collector is portfolio recovery it says original creditor is XXXX XXXX I do not know what this debt is. its for {$710.00} from 2018 and I dont ever recall having a XXXX XXXX credit card in 2018!! It also said something about sprint. I dont have XXXX  as a phone provider and NEVER have. My mom did when I was like XXXX but I NEVER have. Also I didnt have ANY credit cards in 2018. At all, so how is this account opened in XXXX of 2018!? Ive never had sprint and I had ZERO open credit cards in 2018 I want this XXXX debt removed from all 3 of my reports! Its ridiculous and they keep changing the dates and updating it so the date becomes a more recent debt! Im SICK OF IT. I want it removed!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I have closed on the property located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as of the date submitting this complaint the account still shows open in my credit file. 
The mortgage has been paid off, and the property is no longer under my mane in the county where the property is located. 
Over 45 days later XX/XX/2023, I have emailed XXXX XXXX, XXXX from Shellpoint in order to update the account on my credit file, as of today date no response.
Product: Checking or savings account

The ate lots of XXXX charges that was double for the pass 4 years. I had to call in to customer service to get refund. The pass year had payment from other states taken. I have never been to a XXXX in Kansas
Product: Credit card

Citibank acquired my Best Buy Visa card in 2015. After having the Visa card for nearly 10 years, Citi decided that I did not meet their credit standards and closed my account. In addition to the closing of the account, Citi decided to prevent me from making payments online. I do not receive my monthly statements nor can I access them online since they revoked the access to the account. I have to phone in to Citi and I am usually routed to an overseas call center in the XXXX and it is a literal ordeal to make a payment. Due to the obstacles in paying off the balance of the card and never banking with Citi, the payment fell behind and now they have reported late payments on my credit bureau. I think this is extremely unfair of Citi to make to close the card, cut the online access and prevent me from making payments via online and requiring me to call in and spend a half an hour trying to explain to a non English speaking representative to make the payments. I receive calls from several different phone numbers, from five different states that do not leave messages and when called back route to this overseas call center. I have a balance of {$160.00} which will be paid off but I would like the late credit reporting removed since Citi has caused this with their payment limitations. Citi need to be investigated for their practices which are extremely unfair to customers. Citi charged me the annual fee on the account and then closed the card. I submitted a previous complaint on Citi before and I am hoping that my nightmare banking experience with Citi can end soon. They are a big bank that is not customer centric and is very challenging to work with.
Product: Credit card

Over 30 days ago I mailed a first class ( postage paid ) letter to American Express requesting documentation regarding an account that its being reported on my credit reports. Until today I havent received even an acknowledgment of my letter. 
Please see attached letter, and send me all requested documents to my email address stated in the letter. 
I appreciate your prompt attention to this matter.
Product: Checking or savings account

JPMorgan Chase Bank, N.A., failed to return funds upon closing account. Last statement describes XXXX XXXX XXXX for the amount of XXXX, which was not received upon closing account. The other transaction, XXXX XXXX XXXX XXXX, was received. 

On XX/XX/XXXX I went to Chase location to deposit endorsed check for the amount of XXXX. 
Chase bank placed account on hold, I was told it was necessary to verify check. 

XX/XX/XXXX Funds were scheduled to clear. Funds did not clear. 
I received assistance at bank location ( XXXX XXXX XXXX XXXX XXXX, CA ) to contact Chase. 
Upon calling Chase, I was told Chase needs the personal contact information for the person the check was made to. That information was provided, however, solution not reached due to the payee phone number being part of a family plan. 
I requested if check can be sent back to issuer ( XXXX XXXX XXXX XXXX ). That request was denied by Chase Bank. We called XXXX XXXX XXXX XXXX and was notified the check has been cashed by Chase Bank. 

XX/XX/XXXX My account was closed by Chase. 
XXXX XXXX XXXX XXXX is not able to replace or cancel the check due to the check being cashed by Chase bank. JPMorgan Chase Bank, N.A., refuses to return funds. 

Today is XX/XX/XXXX, I called Chase again because the last statement shows two checks were sent to me upon closing the account. One for XXXX, the other for XXXX. I only received one check for XXXX. JPMorgan Chase Bank, N. A., continues to hold the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank knowing lowered by credit score below the current charges on the account which caused the credit card to be reported as being over the limit. This was done despite having an excellent payment record with US Bank and a long standing relationship with them. This made even more egregious by the fact that a payment at roughly the same time lowered the current charges below the credit limit. I have a right as a consumer to be treated fairly and not made to suffer because a US Bank chooses to arbitrarily punish its customers. This was abusive and wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX account # XXXX violated my rights.

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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX   XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX This account is not mine Delete it immediately Account : XXXX/XXXX   XXXX This account is not mine Delete it immediately Account : XXXX XXXX XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX/XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX I applied for a roof loan thru XXXX XXXX. I had used them back in XXXX and Because of the experience, I used them again. The salesman in XXXX was more concerned lining his pockets and making a sale. At the time, my XXXX  score was over XXXX. He told me that I barely qualified and and found me different lender. He set the loan up with Service Finance. I was not familiar with this company. I did some research and discovered they were a lender whos primary focus is agricultural lending. Farming equipment that sort of thing. When I revived my welcome packet from them, the letter mentioned that the loan was a second mortgage. Or some type of home equity type installment loan. At the time I submitted the loan, I was about 6-8 months out before my marriage ended in a divorce. I believe that the XXXX XXXX agents aggressive strongman tactics plus the impact of a disintegrating marriage may have obscured my ability to understand the type of loan I was agreeing to. The loan was XXXX. And had {$250.00} payments each month. I noticed that the loan had some to interest and principal. It was a financial struggle and appeared to be going nowhereor minimally on a 10 year note. In the spring of XXXX I called them to see if any of the paid interest was 1098 eligible, tax deductible or not. The agent was very rude. Seemed annoyed and promptly said loan interest is t tax deductible. Today, I took that to imply a form of harm. Given the stress of divorce, plus the covid lockdowns, I didnt have the ability to inquire as I normally would have. I have paid them off. I felt this company was a slimy underhanded company. I also believe that I should have any monies returned to me, for what I took as material misrepresentation. Had I have known the loan was thru an agricultural lender, I would have explored other options, local banks, michigan saves loans, etc. the sales clerk was very insistent that he had no idea what a michigan saves loan was. Today. I find that hard to believe, since XXXX XXXX gave me a michigan saves loan in XXXX for a property my former wife had. I dont believe the salesman in XXXX was operating in accordance within the law. And was more concerned-with lining his pocket with a commission.
Product: Checking or savings account

I got an alter from XXXX XXXX on XX/XX/2022 that a new inquiry was made on XX/XX/2022 at WEBBANK/AVANT LLC . I called WEBBANK/AVANT on or about XX/XX/2022 to get more information and they said that an application for a loan had been made. they said that they stopped the loan application and sent me notice to make a formal complaint at this website. I believe that the loan was for the amount of {$50000.00}.
Product: Payday loan, title loan, or personal loan

Navy Federal unilaterally changed the interest rate for my loan, without notifying me, approving it with me, or without without having me sign anything. 
I was unaware and overpaid in interest for months.
Product: Credit reporting or other personal consumer reports

There is an inquiry listed from XXXX XXXX from XXXX that I do not recognise listed on all three of my credit reports from experian XXXX and 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 federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$58.00} XX/XX/XXXX XXXX XXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

On XX/XX/XXXX, I transferred {$19000.00} from my Paypal account to my bank account. Later that same day, Paypal informed me that they closed my account, but the transfer went through and my money arrived in my bank account. 

On XX/XX/XXXX, I noticed that Paypal had reversed and fraudulently withdrawn the money from my bank account without authorization. The money never arrived back in my Paypal account, though. It's now been 10 days and the money is nowhere to be seen. I have called and emailed Paypal 10-15 times and nobody has responded to my concern or investigated. My money has simply disappeared and nobody can, or will, tell me where it is. 

Paypal 's stated policy is that they can hold a balance in my Paypal account for 180 days after an account closure, however, this money was not in my account at closure. Also, the money was never returned to my Paypal account after they reversed it from my bank account, to be clear - so they are not holding funds in my Paypal balance, as there is no balance. 

Paypal 's policy also states they reserve the right to withdraw funds from my bank account in the case of a chargeback or dispute, if I do not have the money to cover the dispute in my Paypal account. There has not been a chargeback nor a dispute filed for these funds, and my vendor also never received a refund for this payment.
Product: Debt collection

Hello, I previously had a credit card through XXXX XXXX department store that went to collections with XXXX XXXX. I paid this debt in two/three installments with XXXX in XXXX, but this collections debt still shows on my credit report.
Product: Credit reporting or other personal consumer reports

Ive been trying to dispute this account on my report but my dispute has been ignored. I am requesting that you look into this matter again as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
Experian : XXXX Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00} XXXXXXXX XXXX XXXX  Date Opened : XX/XX/2019 XXXX Balance Owed : {$12000.00}. Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX After being denied credit I called Experian. I discovered my credit file had 2 Pins attached to it and was advised that was probably the source of creditors turning me down due to not being able to access my file ; it should only be 1 unique PIN associated.

The above issue was the catalyst for my noticing 2 fraudulent inquiries on my credit file. 
XXXX. XXXX XXXX XXXX XX/XX/XXXX ( I've never done business with this company ) XXXX. XXXX XX/XX/XXXX I advised Experian Rep to dispute the fraudulent transactions and place a fraud alert on my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report, and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report. List of accounts to be deleted XXXX XXXXXXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The reporting of these account ( XXXX ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report.
Product: Credit reporting

I like to inform you that these items on my credit report should be removed. Because I do n't owe any balances to the company. I never open a secured credit card with XXXX. I am going to provide the letter from XXXX that proves I never open the account. At this time I like for you to remove them from my credit report to reflect my true accurate credit report. So, that my true character will be shown to my current creditor and other creditors whom inquire about my payment history.
Product: Credit card

I have been with Ally since XX/XX/2023 and before I was with Ollo credit card services. I have never missed one payment nor was late with Ollo. Ally takes over and since XXXX I have had late payments every month. I have auto pay scheduled how is that even possible? I call in after I get a text that my payment is late and I am thinking I am set up for auto pay there must be a mistake. I call Ally and they tell me they see the auto pay but it is not making it to process. How is that my fault? I have had the same checking account same system for years. They do not know themselves. Well XX/XX/XXXX I get a text message that my payment is again late and I call in and with the rep she and I both look and see the auto pay is set up she apologizes and gets a man who is supposed to be escalations supervisor but does not have the authority to credit the late fee because Ally has already credited 2 of the late fees and it has to be approved by a special department. He did not offer to even see why the payments were not making it to process but he as well did see the auto payments coming out on the due date. I have had enough and this is not what I want to be late on my credit cards month after month and then have to ask for a return of a late fee that is not even my fault.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Credit reporting, credit repair services, or other personal consumer reports

I WAS LOOKING OVER MY CREDIT REPORT TO BUY A NEW HOME WHEN I SEEN SOME ACCOUNTS LISTED ON MY REPORT THAT I NEVER DID BUSINESS WITH THESE ACCOUNTS ARE HURTING MY CREDIT AND WAY OF LIFE AND I WANT THEM REMOVE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I owed a amount to Nelnet and the debt was forgiven due to a total and XXXX XXXX program. I have contacted them before and they stated they would remove the debt from the credit reports and I have a letter saying such but I have not seen a change in my report.
Product: Debt collection

XXXX XXXX  prepaid card was purchased at local corner store. My desired amount was placed in card. After total use of balance the card was thrown out. XXXX XXXX  sent me in this collection process. They can not be paid back based on info provided on my credit score.