23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of this apartment complex in XXXX XXXX. The reason was due to the lasting effects of XXXX fires in the apartment above me. The first fire was above my kitchen area, and the second happened above the back bedroom. The events were caused by XXXX different tenants. Due to the water damage, I lost everything and was never compensated by the XXXX apartments, nor by the tenants that caused the fire. The unit I resided in became infested with roaches, and I had to get rid of all our belongings. The super, XXXX XXXX, said to me too bad you do n't have renter 's insurance. Then, I was relocated to another apartment while the repairs were done in my unit. This caused another issue ; the apartment complex wanted to charge me for the electric bill on the loaner apartment, as well as the bill in my unit. Therefore, I could not afford to pay the rent and XXXX utility bills, so the complex evicted me. XXXX apartment complex hired National credit systems to handle the collection process. This creditor has been reporting to all XXXX credit bureaus for over 7 years. I tried to resolve this issue XXXX and the following statements were communicated via XXXX processing. 
XXXX CASE # : XXXX web XXXX Case Received by XXXX XXXX Case Reviewed by XXXX XXXX EMAIL Send Acknowledgement to ConsumerXX/XX/XXXX XXXX EMAIL Notify Business of DisputeXX/XX/XXXX WEB XXXX RECEIVE BUSINESS RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Business response to ConsumerXX/XX/XXXX WEB XXXX CONSUMER REBUTTAL TO BUSINESS RESPONSE : ( The consumer indicated he/she DID NOT accept the response from the business. ) the company has not agreed to remove its claws from my credit report, the law states up to 7 years and not until 7 yrs has passed. i am not an indentured servant and i will not be penalized for the miserable time i spent in that apartment for another year. 
XXXX/XXXX/XXXX XXXX EMAIL Forward Consumer Rebuttal to BusinessXX/XX/XXXX WEB XXXX RECEIVED BUSINESS ' ADDITIONAL RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you. 
XXXX/XXXX/XXXX XXXX EMAIL Send Consumer Rebuttal - No New Offer - UNRESOLVEDXX/XX/XXXX Otto EMAIL Inform Business - Case Closed UNRESOLVEDXX/XX/XXXX XXXX XXXX Case Closed UNRESOLVEDXX/XX/XXXX XXXX ReOpen the ComplaintFurthermore, I am not requesting compensation for any damages or loss of personal property. I want them to simply stop harassing me via credit report inquiries, phone ( INCLUDING CELL PHONE ), or mail. I have been penalized enough, I am trying to move forward with my life.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized inquiries on my credit report for how many times now. Despite my previous correspondence and submission of the required documentation, including the FTC Identity Theft Report, these unauthorized inquiries remain on my credit file. Upon contacting the respective institutions, it was confirmed that these inquiries were made in error. Additionally, I have been assured that these inquiries would be promptly removed from my credit report. However, it has come to my attention that, unlike your bureau, both XXXX and XXXX no longer report these unauthorized inquiries subsequent to the submission of the FTC report.It is perplexing and concerning that your bureau continues to report these inquiries despite clear evidence of their fraudulent nature and assurances from the involved institutions. According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes, promptly reviewing all relevant information provided by the consumer. I am requesting an immediate reinvestigation of these unauthorized inquiries. This investigation must include a detailed review of the method of verification employed by your bureau to substantiate the continued reporting of these inquiries. If your bureau can not provide conclusive proof that these inquiries were authorized by me, they must be deleted from my credit report without delay. 

XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX Inquiry Date XX/XX/year>, XXXX XXXXXXXX Inquiry Date XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my second requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX, XXXX, Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A. I have the right to privacy.

These addresses don not belong on my credit report.
Product: Checking or savings account

The reason why Im writing is because I have an overdraft fee of {$35.00}. I been having issues with XXXX I was not able to XXXX  myself the money to fix my accounts negative with Wells Fargo it was not my fault I was not able to fix my account before the overdraft fee hit. Im not for sure what is going on with XXXX  but Im working on resolving it because the last couple of weeks I been having issues. I would like my {$35.00} in overdraft fees back please. I have fixed the negative in my account I had to figure out another way since when I XXXX  myself it hasnt been working. Thank you for your time. Have a wonderful day!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 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 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 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
Product: Checking or savings account

On XX/XX/XXXX two ATM withdrawals took place in another state in the amount of {$200.00} and {$160.00}. My card was in my possession. I was also charged six ATM withdrawal fees in the amount of {$2.00}. Two of them were declined fees. I called the XXXX on the back of my ATM/XXXX  card on XX/XX/XXXX at XXXX in the XXXX. My card was cancelled and I was credited the ATM withdrawal fees. I was given steps by the customer service agent to write a dispute letter with my personal information, debit/XXXX  number with the two transactions in questions and fax at ( XXXX ) XXXX. Once they receive the fax someone from the fraud department will call me, and they will also credit the unauthorized funds. I was also given the intructions to call periodically. Since then I have submitted 2nd dispute letter. I have a called every single day, multiple times with no resolution or concerned. Today XX/XX/XXXX I called twice and the first call the customer service agent hung up and the 2nd agent could n't hear me and disconnected the call. XXXX XXXX/XXXX XXXX XXXX is who I have had an account for the past six hears. Please advise. Thank you.
Product: Credit reporting or other personal consumer reports

I opened a dispute back in XXXX of XXXX  in regards to items appearing on my credit report that i believe are not mine. Equifax responded to the CFPB, but not me and no black and white proof was ever provided.
Product: Checking or savings account

XX/XX/XXXX and XX/XX/XXXX I have requested a transfer of funds {$160000.00} from Marcus by Goldman and can not have funds transferred. I spent hours on both XX/XX/XXXX and XXXX giving the bank my info and calling my banks XXXX  and XXXX XXXX to verify my identity and was told both times money was being transferred. The funds came from a XXXX XXXX  XXXX accounts to XXXX  XXXX. I then transferred XXXX K to Marcus to set up XXXX. They did not make my funds available for a week until their XXXX  rate dropped. I do not want to do business with Marcus and now can not transfer my money from Marcus to XXXX  or XXXX  which they said a transfer was being processed both times.
Product: Student loan

I have a payment that is due XX/XX/2019 XXXX I got approved for Income driven payments which start XXXX for XXXX. They are refusing to give me a forbernce for XXXX I can not afford {$860.00}
Product: Credit reporting or other personal consumer reports

Experian has the wrong address on my credit report since XXXX  I had tried to get in contact with them, but i dont get any feedback. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my correct address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

-The first time my daughter contacted them was XX/XX/2022 to see about lowering her monthly. 
They said she was not eligible. She explained her cosigners myself and my husband were not able to help and she was having financial issues as well. She has 3 loans with Sallie Mae. She said she could continue paying one of the 3 but if they can lower the other 2 she was told try in XX/XX/2022. She called in XXXX informed them her rent went up and then they had myself and my husband on the line going over all our monthly expenses they said XXXX again. They said try again we informed them we were not able or my daughter to make the XXXX payments. The loans were not able to pay anything due to financial issues we were all having. They contacted my mother in law because we lived with her once a while ago and said to have us call they could help. Tried again in XX/XX/2022 went through the process they said no again. We are trying to work out payments that my daughter or we can afford. She has with the XXXX loans from Sallie Mae, XXXX with XXXX school loan and her federal loans totaling {$90000.00} in school debt. She lives on her own in NY and pays rent, food, medical bills, car and she is up to date on her XXXX Sallie Mae loan, her XXXX loan just these 2 payments that are hard for her and us to make. We do not own a home and live paycheck to paycheck. I explained any help in lowering the payment would help but they said they can not help. 
One of the loans that we asked is now been given to Collections. So, I just do not understand how they would want that instead of trying to help work out a payment that would help us and also pay them. All of our credit is being affected. I had a loan myself with Sallie Mae and in the past I would call and ask for help and they always worked out a plan. I feel they have not in any way tried to help. If you can help us in any way it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The closed accounts listed below are not my account/creditors, however its on my credit report. 
XXXX XXXX XXXX - Account number XXXX Amount {$1700.00} Date XX/XX/XXXX XXXX XXXX- Date XXXX XXXX ; Amount {$12000.00} XXXX XXXX-Date XXXX XXXX Account number XXXX ; Amount {$250.00} Bankruptcy- Account number XXXX, Date XXXX XXXX and XX/XX/XXXX Bankruptcy - Account number XXXX ; Date XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX- Date XX/XX/XXXX, XXXX Amount {$23000.00}
Product: Credit card

I need help with transferring my existing credit line totaling {$32000.00} from my Citi XXXX XXXX XXXX credit card # XXXX to my other Citi XXXX XXXX credit card # XXXX making my revised total available credit on my Citi XXXX XXXX credit card {$37000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is with JP Morgan Chase Credit Card Services.

I called them today regarding an issue with my credit card. At the start of the discussion I was informed that the call would be recorded by Chase. I informed them that I would also be recording the call.

The individual I spoke with insisted that I stop recording as they DO NOT ALLOW THEIR CUSTOMERS TO RECORD CALLS, yet they insist that they must be allowed to record calls or they will disconnect the call.

Why are companies allowed to impose unfair and heavy-handed policies against me while they restrict my rights to do the same thing that they are doing? This is a criminal policy.
Product: Credit card

I did a balance transfer to US bank credit card while back by a paying fee and received the XXXX percent interest offer which is scheduled to expire on XX/XX/XXXX. I never missed any payments and was on schedule to pay the balance off by the scheduled expiration date. However, during the most recent billing statement period I had to pay for something so I charged this very card {$2700.00} on XX/XX/XXXX and because I wanted to avoid paying high interest, I made payment of {$2700.00} on XX/XX/XXXX. This transaction occurred during same billing cycle period so I thought everything was fine. To my surprise, when I received the monthly statement, US bank credited the payment of {$2700.00} towards my balance transfer amount and charged me 20+ % interest fee on the purchase I made on XX/XX/XXXX. When I called the customer service at US bank, they told me any payments I make would go towards paying off any balance with lower interest rates first and there's nothing they can do about it. I think this is kind of unfair business practice because consumer should be given a choice to make payments towards balances from credit cards especially transaction occur within same billing cycle period and balance transfer offer wasn't expired. Hope you can resolve this issue and further create better a policy to protect consumers. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. 
SPECIALIZED LOAN SERVI XXXX Date opened XX/XX/2006 2006
Product: Credit reporting or other personal consumer reports

fradulent inquires have been made to my credit report. i have frozen my credit and taking the stpes to get my account protected XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX equifax XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balanced {$0.00} XXXXXXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Mortgage

I received a very deceitful mailer for a VA loan from a private company, Hypotec. It had the following features which would lead a reasonable person to conclude that this was not an advertisement : - The outside of the mailer opens like a check ( having to rip the tabs off the side ) - The outside says " Escrow Refund Benefit Allotment Notice '', leading one to believe there is a refund check enclosed - Inside, the document is nomenclatured as " VA-1211 '', like an official government VA form - Inside, header in big bold letters reads " UNDERSTANDING YOUR VA BENEFIT STATEMENT '' - Inside, phrases like " Your Economic Benefit '', " Benefit Allotment Notice '' and " Beneficiary '' are used in bold - Other features of VA official mailers are also used, such as notice numbers and notice dates in bold at the top - Disclaimer information in the letter is many times smaller than the rest of the associated font Any one of the features, in and of itself, is not fraudulent. However, together they show a clear intent to mislead Veterans into believing that they have received some sort of official communication. Veterans are often waiting desperately on official communications from the backlogged VA for basic medical needs and financial security. This type of advertising is cruel and predatory.
Product: Credit reporting or other personal consumer reports

I have inquiries passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I already paid this account, but they continue to report incorrect information on my credit report. As you know, the Fair Credit Reporting Act ( FCRA ), as described in 15 USC 1681, requires that I provide accurate information about my account.
Product: Bank account or service

A dispute was filed for a debit card purchase made on XXXX XXXX to XXXX of XXXX, this is a deposit on a vehicle. The dealer was unable to secure the right financing and unable to place order for vehicle, this is a special order for a vehicle not available on their lot.. The time frame for production is 6 to 8 weeks, the car was not ordered and deposit should be refunded. Please note, all this information was included in dispute or should have, it was all explained to rep who took dispute on or around XX/XX/XXXX. I called today XX/XX/XXXX to inquire about status was told an email was sent on XX/XX/XXXX asking for additional information which is more than likely already included in dispute, I have nothing else to explain or inform of. I have received no such email, it was supposedly resent twice and still not received. I wish to reiterate that any and all information was already provided previously to rep who took dispute, its a shame Paypal plays games like this, asking for more information and supposedly resending an email which is not received. Please note, the original email was also not received. Please advise them I need credit for this dispute ASAP and should refrain from requesting info they already have or should have, playing games with their emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balanced Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being taken advantage of by the Bureau Equifax and the creditors, I have spoke with all companies involved in this matter of unauthorized inquiries being placed on my consumer file. I spoke with representatives from Equifax and the creditors who are responsible for those unauthorized inquiries on different occasions to get this issue fixed and they all are lying to me. Equifax told me by phone that I need to contact the creditors who placed the inquires on my consumer file and tell them to write requesting them to remove the inquiries. I also contacted the creditors that placed the hard inquires on my credit file and was told by representatives that the Bureaus are responsible for reporting and have the authority to remove the inquiries from my credit report. I am being taken advantage of as a consumer and being lied to by all parties involved and I am seeking litigation because of the FCRA laws state that information that is inaccurate and unverified has to be removed from one 's credit report and Equifax is reporting Inquiries that do not belong to me nor have open accounts with any of the creditors that has reported that to the bureaus. This is fraudulent, I am totally in distressed and very harmed by this matter, I feel I am being ignored.
Product: Debt collection

I received a letter and repeated calls from AllianceOne Receivables Management, inc. They claimed that I owed money to the XXXX Circuit Court from the date of XX/XX/XXXX. Every time they called they have left different account numbers as well as reference numbers. I advised them to cease and desist and stop calling my parents phone, I was told not until I paid the debt. I asked them to send me the original documents from the debt because I had paid them in the XXXX County traffic courts division, XX/XX/XXXX. They told me that I left a balance. I do n't have any debt from back then from the Circuit court of XXXX County because I called and tried to verify it but there was no record of any debt. Thank you for your time and reading my letter and have and good evening.