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

by XX/XX/XXXX I request to XX/XX/XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Product: Student loan

I went to XXXX College in XXXX, ID in XX/XX/XXXX. I had two small kids and was desperate to earn an income. I applied to two schools and their programs were full for the fall. I went to XXXX on a whim to ask about dental hygiene and remember how pushy they were to get me in. They told me that they might have " one more spot '' left for the fall. They made it sound extremely exclusive and that this doesn't happen often. I didn't learn really what dental hygiene was just that it paid well and that their program was quick, I could be in an out in less than two years. They gave me a bunch of paperwork to fill out and I really felt like this must be quite an opportunity. I started class four weeks later. There were three too many students which caused nonstop issues the entire program. When I went in for financial counseling the total was {$26000.00}. That was charged for the first two semesters of the program at once. XX/XX/XXXX - XX/XX/XXXX. Everything was done extremely quickly and classes started quickly. 
Quickly I found out how XXXX of a school and program it was. All the general ed classes were easier than 7th grade science classes. The hygiene classes were fine but within weeks I realized how not right for me this was. We were given, verbally, a very short time ( XXXX weeks ) frame for a refund even though both semesters were charged at once. I was already broke and a young mother of two so there didn't seem to be any possibility of going back. I believe they used predatory practices to lure me into joining the program, charging both semesters at once, and giving very little information about what the program actually entailed. I didn't even know that hygienists gave shots until the third semester. They did make us sit through a few lectures on how easily it would be to get all of our schooling paid off by the government by working for low income organizations, but really there wasn't any way out after sign up. Most of my loans were through Sallie Mae and have large variable rates, I've worked to pay them down but every day I still am upset by this ridiculous situation. The rest of my loans and grants were through the federal government making it difficult to have other continuing ed paid for with grants that I actually was interested in.
Product: Bank account or service

My flood insurance renewal, as required for my mortgage, was sent to the wrong address. By the time the renewal was required the bank ( TD ) had advised me that they were going to get insurance themselves and charge me. There was a 2 month lapse between my renewal and the time the bank placed the policy. The renewal from my insurance wes {$1100.00} for the year, the bank charge was {$650.00} and only for 2 months. This is extreme and evidence of gouging by my lender.
Product: Credit card

I applied for the XXXX Mileage Plan credit card that offered XXXX XXXX XXXX bonus miles on XXXX/XXXX/16 and was instantly approved on line. Several weeks afterwards, I received a call by a representative that wanted to review my benefits with me. I was told I did not receive the card I applied for, but a lesser card that would only give me XXXX bonus miles. This was a pure bait and switch. I am appalled at the deceptive practice of this company. I did call the company but that would not award the miles as promised. I closed the account today rather than pay their annual fee as they did not fulfill their obligation.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I now have rights that are provided to me to guard me through misinformation being disclosed on this credit report. At this moment I would like to have a previous inquiry for examination before I seek the advice of my attorney for tips on how to deal with inaccurate and unverifiable items that are ongoing to be shown as legitimate. Please don't hesitate to present me along with a copy of the agreement approved or voice chat where I allowed billing me with this account. 

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

ACCOUNTS THAT ARE NOTMINE ARE REPORTING IN CREDIT REPORT I HAVE TRY IN NUMERUOS TIMES TO RESOLVE THIS SITUATION WITH THESE COMPANY PROVADING THEN ALL DOCUMENTION THAT THESE ACCOUNT ARE NOT MINE, THEY ARE THE RESULT OF IDENTITY THEFT BANK OF AMERICA # XXXX 
BANK OF AMERICA # XXXX. 
XXXX XXXX, XXXX # XXXX XXXX XXXX XXXX  # XXXX
Product: Mortgage

Property surrendered to CitiMortgage in chapter XXXX bankruptcy in XX/XX/XXXX. A different entity attempted to foreclose in XX/XX/XXXX which suit was voluntarily dismissed in XX/XX/XXXX. In XX/XX/XXXX, CitiMortgage claimed it purchased the discharged debt. Between XX/XX/XXXX through XX/XX/XXXX, Citi declined numerous generous offers for short sales and deeds-in-lieu. We then sued Citi for illegal debt collection of the discharged debt and settled the case in XX/XX/XXXX, in part turning over possession and control of the subject property to Citi, which they accepted, in exchange for our promise not to contest an imminent foreclosure. CitiMortgage has declined to foreclose or maintain the property, or to release the lien to prevent blight, and it has now become an eyesore and danger with rotted steps and porch, no air conditioning or water service for at least 7 years ( in Florida ), has dangerous tree growth, etc. The homeless have found shelter underneath the house. The liability to us for injuries is great as the property is still titled in our name despite delivering possession and control to CitiMortgage. The property lies in the middle of a historic business district with intermingled residences and use to be a beautiful landmark - it draws many 'lookers ' onto its expansive and now dangerous porch. Citi is now again beginning its barage of letters to us wanting our financial information for loss mitigation even though we have no personal liability on the loan and have turned over possession and control - including all keys. Citi agreed, in part, to close the account except as required to foreclose. We have complied with all our legal obligations under the bankruptcy code and the lawsuit settlement, and Citi has declined to foreclose. For 7 years Citi has denied us our fresh start, denied the City of a blight free property and denied all willing buyers of the opportunity to occupy and maintain the property which would preserve the historic nature of this community.
Product: Checking or savings account

On XX/XX/2022, I learned from Alliant Credit Union ( ACU ) customer service representative over the phone that my membership was terminated. All checking accounts were closed and all remaining fund was put in the saving account. They would not tell me the reason for the termination. They told me to only communicate with their Compliance department through paper mail only. No email, no phone, or other means of communication are allowed. They gave me the mailing address of their Compliance department. I took snapshots of my online account as the evidence of remaining fund. I initiated the ACH transfer to send the fund to my other banks. 

On XX/XX/2022, my XXXX account was completely gone. I could not even login. The ACH transfer that I initiated yesterday never get executed. The destination bank never received the fund. Therefore I sent a certified and returned receipt letter to XXXX asking them to release all my money in the saving account. 

On XX/XX/2022, I checked the XXXX tracking number and discovered that XXXX was not accepting the mail. It was sent back to the post office waiting for the pickup. 

At this point, I don't know why they did not accept the mail or if the office is still open. I have all my money there. This is the only money I have to pay for mortgage, utilities, food, and everyday expense. Without the access to it, many major negative consequences will ruin my life. Please help. 

I'll put the account number and other sensitive information in the solution that I seek
Product: Money transfer, virtual currency, or money service

On XXXX I had a withdrawl from my Apple Cash account in the amount of $ XXXX. At the time of this withdraw I already had a XXXX balance in my apple account, so I was then charged $ XXXX from my personal debit card since it was linked to my apple id. At the time of the transaction, I was well aware of what was going on and was authorizing it. The money was being subtracted from my personal checking account and being fed through Apple cash and going to the person I was doing business with. These funds were being sent to a business who managed 401k portfolios, however about an hour after the transaction took place, they went radio silent and I have not heard from them since. I was essentially scammed out of $ XXXX at this point and it was taken from my personal account, so I reached out to my bank and they were able to refund $ XXXX to my checking account directly. At this point my apple cash is now frozen at - $ XXXX due to the fact that the scammer got $ XXXX and apple is waiting for these now $ XXXX funds that were supposed to be paid by me to bring my balance back to XXXX. Now, on XXXX, I received money in the amount of {$630.00} from a close friend of mine to my apple cash account, ( which remember is still - $ XXXX ) but she sent it before I told her not to send it via apple cash. So now I cant use the money she sent me, and I cant send it back to her, nor will Apple reverse the transaction. Apple has refused to cancel or void anything, nor will they give a reason why. I now have had {$630.00} stolen from by Apple and they still believe they are correct and not in the wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX regarding fraudulent inquiries on my report. I sent a certified letter requesting removal of these items. XXXX has confirmed receipt but told me I need to file a police report and refused to assist with the removal of the inquiries. My letter to them was sent to them 6 or more months ago and I would like this addressed immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of a Hipaa Breach that was announced in the XX/XX/XXXX. The breach involved a Health Department worker working at the XXXX XXXX  XXXX. My protected private information, medical records and social security number was compromised. I was instructed to check my credit report after my release from XXXX   XXXX. 
After my release I tried to apply for a bank account on and that was when I found out that I was in ChexSystems. XX/XX/XXXX was when I received my credit report from them. Analyzing the file I instantly notice the inaccuracy of my name and address and more. What stood out the most were two different occasions where it was checks ordered. In my initial dispute I clearly explained how I was a victim of a Hipaa Breach affecting hundreds of XXXX. In my dispute XX/XX/XXXX, I explained how I was requesting my file so I can check if it was fraudulent activity done while XXXX. In my dispute I enclosed a letter head from my XXXX XXXX signed showing the dates I was XXXX. 
ChexSystems started their investigation on the matter and kept me updated. ( I have the reports ) At the end of their investigation in their letter they stated how the information came back verified and then listed telephone numbers to call the banks. My problem is that when they verified one of the banks they provided me a copy of a signature bank card I originally did with the bank. As I disputed to them was that I needed to see the information surrounding the fraudulent activity because I knew the account was mine. Fast forward to now, is that they still reports false inaccurate information and also Im still unable to obtain a personal bank account due to Fraudulent activity and they are inabling criminals to do identity theft. My problem is XXXX XXXX XXXX inst reporting it to them but ChexSystems still report it making it so hard to recover. Also is if they really did a investigation they will see how the fraud wasnt from Me. Its more also however Im trying to take steps before I file claims in courts.
Product: Debt collection

I recently noticed that there is a big drop on my credit score, I find there is a debt collection under my name, the collector is called SOUTHWEST CREDIT SYSTEM, but I never received any letter or information about this debt, I dont know where is from and how to pay.
Product: Credit card

I contacted Macys customer service in the middle of XXXX when I realized I had made an error and accidentally paid the bill XXXX times. I requested a refund of the second payment for {$400.00}. I was advised that they would need to research my inquiry and confirm before they would be able to issue the refund. 

I received a form letter dated XX/XX/year>, confirming the investigation that is being completed to confirm my request. 

I received a second form letter dated XX/XX/year>, indicating that A refund of {$400.00} has been sent directly to my bank account and that I can expect to see that refund show up within XXXX to XXXX business days. 

On XX/XX/year>, I contacted Macys and was informed that a check had been sent to me on XX/XX/year>, which conflicts with the form letter stating that the refund would be deposited into my checking account. I explained that I had not received this paper check and was told to give it additional time to show up. 

On XX/XX/year>, I contacted Macys customer service again, and once again explained that I had not received the refund check in the mail nor into my bank account as a direct deposit. The associate confirmed my address and Advised me that the check would be re-issued and mailed in a plain white envelope. 

On XX/XX/XXXX, I contacted Macys customer service again and was told that the check had not yet been sent but now that I had confirmed my home address it would be sent out. My home address has not changed in over 10 years. Macys has my correct address and I have received my billing statements and the XXXX form letters pertaining to this matter. 

Today is XX/XX/year>, and I have still not received any check or direct deposit for the amount of {$400.00} that was requested in XXXX. I am completely frustrated with the lack of follow through and the sheer incompetence and inability to receive the {$400.00} refund that I requested in XXXX. 

Please assist with helping me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes with Experian and today I reached for an update but the representative that I spoke with was only able to locate one of the multiple documents that I submitted to support my dispute. I submitted my documentation by both postal mail and via the portal of Experian 's website so there should be no reason why all but one page of my documents are conveniently missing. The representative was also unable to confirm with me, where in the investigation process, the dispute is currently at. 

*Inaccurate address *Information is being reported differently across all three agencies *Accounts reporting as open, that should be closed *Balances, Activity Dates, & Payment *Dates are all being reported differently and are also being updated each month to re-age the account
Product: Student loan

I called Ed Financial in XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX inquiring about the refund I am due in the amount of {$18000.00}. Have been told something different every time I call. One representative told me I would get a check in XXXX, another told me it had been sent to DOE and then Treasury. XXXX representative told me money still sitting in account at EdFinancial and they don't know when it will be processed. They have had my money for almost 7 months now.
Product: Credit reporting or other personal consumer reports

I do not recognize this. 
XXXX This inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested information on the reporting to my account in which Transunion states they verified XXXX # XXXX with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX ; however, I have in hand a letter stating otherwise. This court did not report any information to my credit report and states they are not responsible for the use or misuse of any information gathered by third parties. Transunion has lied and yet to produce anything from XXXX XXXX XXXX XXXX that gives them the right to place anything on my credit file on XXXX XXXX XXXXXXXX XXXX behalf. I requested documentation from XXXX XXXX XXXXXXXX XXXX and Transunion has filed to provide documents from XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax permanently deleted and blocked the following account from my Equifax credit report between XX/XX/XXXX-XX/XX/XXXX. The following account and late payment is showing up on my Equifax credit report again : XXXX XXXX XXXX XXXX account number # : XXXX for {$5100.00}. I have no child/children. XXXX permanently blocked this account between XX/XX/XXXX-XX/XX/XXXX. The following address dont belong to me : XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, MN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was sold by XXXX on XX/XX/19 to a company called PHH. I have paid my mortgage on time every month since a modification almost 1.5 years ago. I have been building my credit back because of this. PHH has now reported me to the credit bureaus for a modification that took place 1.5 years ago. You can't get an American on the phone unless you have 2 hours - they won't help me, they are a scam and they appear to be doing this to a lot of people. XXXX had a civil suite brought against them. PHH is on the same track. This place is horrible. 

I can prove my on time payments through my bank account.
Product: Student loan

I have approx XXXX of loan that should be forgiven but its still being counted on my overall balance. This is making my monthly payment unbearable. I cant speak to anyone and the wait is XXXX hours. The few times I waited I was immediately disconnected. I am allegedly on a forbearance right now but I keep getting emails that I have a monthly payment due and am late? This is extremely confusing for me and there is no customer service rep to speak with. If the XXXX balance was removed off my loan it would likely make my payment lower and I would be able to afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were COLLECTION and CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collection, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Equifax XXXX XXXX XXXX XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Ma'am : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am certain that the item I disputed is incorrect and should be removed, so l am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute.

I am very interested to learn how your investigators arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so l demand specific answers to the specific questions asked of you in this letter.

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record.

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 


Very Respectfully, XXXX
Product: Debt collection

Hi, I received a notification this morning that a collection was added to my credit report. I can testify never received a phone call or written notification from this debt collector named " IC SYSTEM ". This activity dropped my credit score by 45 points. This is so frustrating! I have never dealt with anyone from this company " IC SYSTEM ". They are trying to collect  {$320.00} on behalf of XXXX. I have no knowledge of this debt. I dealt with XXXX in the past, but this looks so strange to me because I returned the equipment. That was the one thing I owed them. Equipment was returned! And I have never received a final bill or something stating I owe XXXX money. Why big company like this can be negligent? Thanks for helping me in this matter.
Product: Debt collection

On XX/XX/2021 I received correspondence from VIKING CLIENT SERVICES , LLC about a debt allegedly owed to them in the amount of {$310.00}. First and foremost, who does these people think they are to not only demand that I pay them but to report this alleged debt to the credit bureaus and ruing my reputation as a consumer? Who gave these people to report anything on me in the first place? I don't owe these people a damn thing and I've never done business with them a day in my life. I want this XXXX handled immediately!