23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a responsible XXXX  with licenses in good standing and bank account ( s ) with Chase in good standing. I have been a victim of identity theft at a time I was hospitalized with XXXX XXXX many years ago. My fico score is XXXX as of XX/XX/2024 on a possible score of XXXX to XXXX, I do not have late payments on any of my accounts, some of which date back twenty to thirty years, I have less than 1 % utilization on my personal credit cards. I received a letter delayed in the mail, on or around XX/XX/2024, in which Chase, in a letter dated XX/XX/2024, capriciously and arbitrariliy and discriminatorily, denied me a simple credit card to manage my finances and consolidate my expenditures. In this letter they stated I have XXXX fico score ( on scale of XXXX to XXXX ), yet still could not approve me even for a modest starter credit card. When I called the number on the back of the letter for explanation XXXX, I was told the Reference No. XXXX was already " archived '' and she was unable to provide any specific information to address point by point to correct and inaccurate records, in regards to the letter stating a vague " a prior credit card or deposit account was closed by Chase '' as the reason for the denial. This was after I had already put chase on NOTICE that I was a victim of fraud and for them to disregard and disassociate any potentially adverse accounts from my name on the basis of that fraud. I have also been an authorized user of Chase ( XXXX XXXX ) and have never been late and managed my authorized user account relationship responsibly.
Product: Money transfer, virtual currency, or money service

I am seeking a refund of {$60.00} from ViaPath to my card
Product: Debt collection

Debt collection never sent me any paper work about taking me to the court .I called the collector office after I received a wage garnishment mail from my job.Debt collector did n't want to tell me wich court was addressed the garnishment, happened about 10 years ago.Because I could n't get help from anywhere, I could n't stop the garnishment, because if was n't fear since the beginning of the debt situation ( credit card bank did n't want to help me ) .I lost my job and they stop the garnishment ( I payed already more of original amount that I owed ) because I start working and other job and they did n't anything.now I received again wage garnishment mail from my other job never from debt collector, and they did and different court XXXX, very far from my living address.In the letter they change the debt original date.they started again and shows like I never payed .They caused me so much expenses with fees to my bank accounts, etc ....
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00}
Product: Credit card

Affirm needs to send me proof that there is truly a payment that was late, and a detailed account history for this account, or else i intend to litigate which will cost them XXXX XXXX XXXX
Product: Debt collection

Diversified Consultants ( XXXX ) XXXX AddressXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX They are saying I owe {$760.00} and the original balance was {$430.00}. They are also saying the debt is from Florida and the date opened was XX/XX/2015. I lived in Massachusetts during that time. I have disputed this with XXXX and XXXX to no avail.
Product: Debt collection

XXXX made unauthorized charges for XXXX XXXX to my name in XX/XX/2021, when I called to multiple times and finally getting through to customer services to have this resolved. I was told to either pay the bill or wait for it to go to collections and ruin your credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to open a XXXX XXXX account. I have a credit freeze on my credit. I went on the Equifax website and lifted the freeze. However, Equifax will not release me credit score to XXXX. I have called Equifax 3 times and they assure me the freeze is lifted however, every time XXXX tries to get my credit score Equifax tells them it is frozen and that I need to call them to lift the freeze.
Product: Debt or credit management

I have been paying Newrez LLC, {$470.00} in monthly escrow for taxes and Insurance. From XX/XX/XXXX - XX/XX/XXXX, I paid in full the homeowners insurance policy for the whole year {$1600.00}. This payment was never paid from ecsrow and I never received any adjustments. I wanted the surplus owed from Newrez not paying the homeowners insurance to just be applied to the principle of the mortgage. I contacted Newrez LLC and they couldn't give me a straight answer. I will forward their response email.
Product: Credit card

In XX/XX/2023 I called to cancel my XXXX XXXX XXXX Credit card as it has a {$99.00} annual fee and I dont use it. They convinced me to take a lower card with no annual fee. I was told I would get a new card and dont pay the {$99.00}. I received my next statement with the {$99.00} annual fee. I was told again, do not pay it. I then started getting future statements with the {$99.00}, late fees and interest. I have spent 3 1/2 months calling and they credited almost all of it except for an interest balance of {$6.00}. I called the past 2 weeks and spent over 55 mins on each phone call, still not fixed. My problem has been transferred to supervisor etc, but Im getting no where. Every time I call Im told it will definitely be fixed in 5-7 business days. I receive daily phone calls ; emails and texts stating I have a past due credit card bill. Im at a loss and Im sure I will start getting late fees soon on this amount. The situation has actually become harassment as I receive notifications every day about this past due bill. I have excellent credit and dont need it ruined by something like this. I have several credit cards and I have never been through anything like this.
Product: Mortgage

My wife XXXX XXXX is on XXXX and receving Social Security benifits from XXXX. I XXXX XXXX got laid off from my work on XXXX. I recived my Unemployment benfits for 6mo that run out on XX/XX/XXXX. We told our bank WELLS FARGO to help us modified our loan ( espicially bringing the interest rate down from 4.25 % to the current interest rate ) sothat we can save few hundred dollars from our mortage payment which was {$1300.00}. Instead the mortage payment from XX/XX/XXXX went up to {$1400.00}. We gave all tha paperwork the bank requested back in XX/XX/XXXX but they denied our request to modificiation. They say the want to home owners who are struggling to make payments, either by modification or any other possiable way they can help, I dont see any of that happing with us. Please look deeply into this matter and hopefully help us with the whole situation. 

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

I have reached out to Experian XXXX and XXXXXXXX about XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My personal information is still being reported without my verbal consent or written consent.Please hold these companies accountable according to the law according FCRA 15 US Code 6801 15 US Code 6802
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Team, My name is XXXX XXXX, my credit score is showing average, because of XXXX XXXX XXXX and credit card. 

I surprised to see my credit rating report They mentioned like for an year I defaulted in XXXX XXXX XXXX, when XXXX amount deducting from my account on time to time without fail, how come they do like this? 

Coming to my XXXX XXXX credit card, whi ch got closed 4yrs back, no dues but still its down grading my credit score. Which is reduculous Please help to whom I can approach Regards XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX of 2018 I received a text message alerting me that 2 fraudulent charges were charged to my account. Both of these charges were from a merchandise store at sea world. These charges were almost close to 800 dollars all together. I immediately called my bank to report this issue. A couple days later they refunded me the money. Fast forward to almost 3 months later my account is negative ( over 700 dollars ) I called my bank and they told me my claim was denied after investigation. They told me my card was at my possession and only I knew the pin. Therefore theres no wAy that those charges could have been done by someone else. If they look closely to statement I have never spendt so much money especially at some random merchandise store a sea world. If my bank is claiming that I made a false accusation stating that money was taken without my account why wont they report it to authorities? Those charges were not made by me. Im negative XXXX dollars. I know its not much for some but for me it is. I depend on a month to month check. I feel that they did not do a throrough investigation.
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which were involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following accounts need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a customer with PNC bank. I have a personal account and a business account there. 
I applied for the PPP 1 loan. I submitted complete and clear documentation indicating that I had a few W-2 employees and the rest 1099 employees. PNC approved a loan for {$110000.00} indicating that everything I submitted for was eligible under the statute. 

Six months later, they came back and said that the 1099 's were not eligible to receive the money and they were recalling {$75000.00} of the loan. We have called PNC on multiple occasions during which they a ) erroneously told us that originally the 1099 's were allowed and that the SBA changed the rules. SBA confirms that this was not true. b ) refused to give us a copy of the underwriter 's document to let us know who at PNC approved the loan c ) a number of the people we spoke with refused to give us their names and d ) they told us there is language in their loan that indicates 'regardless of whether there is lender or borrower error, PNC is not responsible. '' According to other banks I have spoken with, PNC could have worked with us un multiple ways to get a better outcome for us, but they took know responsibility for us as a client or for their error. 

I know this is a CONSUMER agency. We have appealed to the SBA. 
We have appealed to our Congressperson We have appealed to PNC No one is listening to us and seemingly everyone has a way out of liability for this except for us. I am a consider of PNC and I desperately need someone to hold PNC accountable for their unethical practices here. They have put up numerous roadblocks to helping us in any way for an error that is clearly theirs.
Product: Credit reporting or other personal consumer reports

Complaint To Delete Inaccurate Information The Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ) grants you the right to dispute any information you believe to be incorrect, outdated, or unfairly reported in a credit dispute letter. This document formally requests the credit bureaus to investigate the disputed items and correct any inaccuracies. And send proof of reinvestigation including documents received. 

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. 

Account names and account numbers 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

Equifax Information Services LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX  XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX US DEPT ED XXXX
Product: Credit reporting or other personal consumer reports

I have filed ftc report and cfpb complaint previously because I found inaccurate accounts and ssn numbers belonging to someone else on my credit report. Nobody has yet to help me get this account off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any itemslisted on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Three times we have requested info on the XXXX program. On XXXX/XXXX/16, I was put on hold by Ditech for over two hours. They were sarcastic and talked to me with a slow, XXXX tone as though I was a child. I asked to speak to a manager. He did not know any XXXX info. I simply wanted to know the required loan to value ratio. They are unable to furnish any info about my loan. This is a horrible, rude company with no customer service. They are incompetent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Credco requesting a copy of any and all documentation with my signature/authorization for them to pull my credit as their business is listing on my credit report as an inquiry XX/XX/XXXX. On XXXX XXXX I received a response to please fax over my SSN for them to verify. I called a representative at Credco on XX/XX/XXXX by the name of XXXX who explained they would not be able to remove such inquiry and was not able to provide any documentation bearing my signature. I then informed her I would move forward & file a complaint for immediately removal
Product: Credit reporting, credit repair services, or other personal consumer reports

MACYS/CITIBANK, N.A. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you MACYS/CITIBANK, N.A. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Student loan

I have paid on my student loan, taken out for XXXX for 7 years and despite being in good standing making my payments I have paid off Negative 12 percent of my student loan. According to my calculations I have paid over {$15000.00} and I still owe more than the loan was taken out for. I have called them countless times over the years and they refuse to do anything. At times they would let me pay {$100.00} to not have to pay for 3 months but I still accumulated interest. I think I did this once or twice. I have begged them for loan payment options and was berated every time, they said because my parents co signed 2 of my 2 loans I can not lower my payment unless THEY ca n't afford the payment, even my biggest loan that I talked about above that is not co signed by anyone. How can I pay something for 7 years and be in the negatives for repayment? They have lied to me so many times and never have any help.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX XXXX trying to remove Hard inquires I did not apply for, that is on my account.
Product: Student loan

My student loans were held with Granite State Management and Resources in the State of NH. In XXXX of XXXX I had corresponded via email ( I have the emails ) regarding my loans that were about to go into default. I was unaware that had been the case as I'd been going through a very difficult divorce in all of XXXX and into XXXX as well. My understanding was my loans were at that point placed into forbearance and I didn't hear from GSMR again after that. In XXXX the pandemic hit and these loans qualified under the Pandemic relief or Pandemic forbearance. Again, i heard nothing from GSMR during all of XXXX and most of XXXX. In XXXX of XXXX, suddenly my credit report took a hit and when I looked at the details, i noticed a company called " XXXX '' had listed my loans in collection. I thought, that can't be right and proceeded to spend from early XXXX to present calling back and forth between GSMR and XXXX to understand why loans that are under the Pandemic forbearance had suddenly been placed into collection in XXXX of XXXX. I made it clear that I knew my loans qualified, even though most of the phone calls with GSMR they tried to state they didn't qualify. I let XXXX know that they legally couldn't place my loans in collection and had to remove them and to which they told me that they weren't a collection agency, even though when you call them, they have a script they read about the call is recorded and is for debt purposes. I'm literally trying to have these loans removed from collection and delinquency on my credit reports and to have Trellis NOT violate the XXXX loan moratorium and place my loans back in the forbearance that they are supposed to be in per President Biden. I'm at the end of my rope here and ready, but not wanting to call a lawyer. It's affecting my credit and so is thinking that my loans were in forbearance according to GSMR back in XXXX, but it doesn't sound like they ever placed them in forbearance. I need a lot of help to get these loans rightfully placed in the pandemic forbearance that they should be in and my credit score to improve as a result. 

I filed disputes with XXXX. XXXX and with XXXX and explained all of this as well and XXXX and GSMR are not complying with those credit bureaus. I contacted the NH XXXX 's office which recommended hiring a lawyer. Should i have to pay a lawyer to get my student loans in their rightful place per a federal student loan moratorium? This is utterly unfair.