23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have applied for a modification with my servicer Wells Fargo and was denied due to not making enough income. At the time of the denial I was making XXXX and my wife XXXX with a total of XXXX, my mortgage payment is {$1900.00} which would be a ratio of 18.15 % which to my understanding from my Investor " XXXX '' that would be too much income for any Government modification ( needs to be over 31 % ). However, I was denied due to not enough income. I need to inform you that I have XXXX credit card and automotive debt, it is just my mortgage payment and household bills. 

In the meantime of going back and forth with Wells Fargo, I XXXX XXXX lost my job and my wife XXXX XXXX actually got promoted. As you can see the income has changed yet again and when I tried to inform Wellls Fargo and re-apply they informed me that I need to make {$15000.00} per month to qualify for assistance. If I was making that amount I would not be delinquent, let me remind you {$1900.00} is my mortgage payment and balance is {$260000.00} and I am now delinquent abut {$48000.00} which is a total of {$310000.00}. My new household income is {$5200.00} which would put my ratio at 37.87 % and according to my Investor would be good for a modification. I ca n't get Wells Fargo to review my account or have them look at the new figures, when I asked what was the debts used due to the possibility that they could have transposed some numbers incorrectly I was told that they do n't have those numbers. 

I just need help saving my home and Wells Fargo is stonewalling me for some reason. Please help me save my home. 

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

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax breach Identity theft. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Checking or savings account

I purchased a fitness watch on XX/XX/XXXX for {$6.00}. It was delivered on XX/XX/XXXX. On XX/XX/XXXX {$93.00} was taken out of my account by XXXX XXXX XXXX. I didn't authorize this transaction for a purse & never received if I supposedly bought it. I didn't even know what was supposedly purchased until I went on the XXXX XXXX site.They have six items you can chose from & one of them was for a purse for {$93.00}. There was no promotional on the fitness watch. I put in a claim with Chase Bank for the {$93.00} & they sent it to XXXX XXXX The claim came back with everything checking out so the {$93.00} was reentered into my checking account. I obtained the tracking number supposedly for this purse & called USPS to track it. It says it was delivered on XX/XX/XXXX. That was for the watch & not the purse. How could I have purchased a purse on XX/XX/XXXX & it then was delivered on XX/XX/XXXX? Now Chase won't credit my acct for the {$93.00} without proof. That email for the watch purchase I received was deleted & no sales slip was in with the watch. This is clearly a scam. I spoke to a fraud attorney & she looked into XXXX XXXX XXXX. The site is only 100 days old. The phone number on the site is for XXXX XXXX and they have been getting numerous calls the same as mine. There were two other numbers given to me by the bank and both those numbers were to private residences so all three numbers are bogus. The address on the site for California is also bogus. That address is for a XXXX XXXX. There is another address in New York that is also unsubstantiated. By the way ... .I didn't purchase the watch on their site. I purchased it after completing a survey so I didn't even know about this XXXX XXXX XXXX until the {$93.00} came out of my account. How can I give proof to Chase Bank when everything is bogus with this fake company? I am contacting the police department also to file a complaint. I need to get the {$93.00} put back in my checking account but Chase won't even listen to me. Could you please help me with dilemma?
Product: Credit card

I am filing this formal complaint against Capital One Bank USA for violations of the Fair Credit Reporting

Act ( FCRA ) related to unauthorized accounts and credit inquiries that are negatively impacting my credit report. Upon recently reviewing my credit report, I discovered an account with
Capital One Bank USA ending in XXXX, carrying a

balance of {$480.00}. I have no recollection of ever opening or authorizing this account, and I believe it does not belong to me. When attempting to apply for a credit card, I was denied pre-approval with a notification that I already
have an account with Capital One Bank USA, which i

ncludes this outstanding balance. This information is both incorrect and harmful to my credit profile. Under FCRA, 15 U.S.C. 1681c-2 ( Section 605B ), consumers have the right to request the blocking of any information on their credit report resulting from identity theft. I believe this account ( ending in XXXX ) and the associated credit inquiry are linked to potential identity theft or errors by Capital One Bank USA.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS A JOINT FRAUDULENT ACCOUNT. SOMEONE ELSE 'S INFORMATION HAS BEEN BREACHED WITH MINE WITH SIMILAR NAMES AND SIMILAR SOCIAL SECURITY NUMBER. THIS ACCOUNT WAS OPENED WITH A SOCIAL SECURITY NUMBER OF XXXX PER MY EXPERIAN CREDIT REPORT I HAVE SUPPLIED EVIDENCE AND DOCUMENTS TO XXXX XXXX SERVICES, THEY ARE AWARE OF THE SITUATION. I AM NOT RESPONSIBLE FOR THIS ACCOUNT AND DEBT. 

XXXX XXXX XXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. XXXX C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

XXXX XXXX XXXXXXXX WAS OPENED ON XX/XX/year> AND THE ACCOUNT STATUS IS CHARGED OFF. XXXX C WAS NOT SENT EVEN AFTER SEVERAL ATTEMPT TO REQUEST. 

BOTH ACCOUNTS ARE OLD, NOT VALID, NOT ACCURATE, I ASKED ALL THREE CREDIT BUREAUS TO VALIDATE AND REMOVE, ALL THREE MAJOR BUREAUS REFUSE TO CORRECT AND REMOVE.
Product: Credit reporting or other personal consumer reports

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my XXXX through mail, just for them to not thoroughly investigate.
Product: Payday loan, title loan, personal loan, or advance loan

I called to set up payment plan on XX/XX/2024, and on XX/XX/XXXX I requested my case number to prevent garnishment as I am on state aide. They did not identify themselves in any way, and when asked to provide the case number they told me I can figure it out on my own. The only way I even got the number was from them calling my step dad. I am on food share, XXXX XXXX, XXXX and daycare assistance, my paychecks can not be garnished and to not provide me information for the case in any way is not ok. It is not on XXXX anywhere so I am unable to find it there.
Product: Mortgage

I have requested through my current lender that I would like the PMI removed from my current loan and have had difficulties in getting this resolved. I finally received a letter from them and it required me to pay a {$470.00} fee for an appraisal. I paid this fee and have waited and just received an email stating it will now cost {$1400.00} for an appraisal to see if the value on my property has increased to remove the PMI. This is not acceptable.
Product: Debt collection

Hi, Recently i got notification from 3 credit bureaus about a collection account on my credit report placed by XXXX XXXX XXXX which represents XXXX. 
When i called them on it today XX/XX/2019 they said they got the information from XXXX back in XX/XX/2019 but failed to send me any notification to dispute it, i asked if they have a record showing that a notification was sent out and they said no but they are doing so immediately. 
Also, i called XXXX to dispute it as i believe it was a mistake for charging me the extra month after i canceled my services through their account portal and wanted me to call to verify cancellation. they said they sent me an email requesting me to call but it must have been sent to my spam folder as that is sometimes normal. i did not read the email and it must have been deleted. Did not receive mail afterwards as they explained they normally get their money back when costumers call back again to activate new services. 
I think SW credit services failed to abide by the legal system when they did not allow me to verify and dispute information. 

This is the collection company information : SW CREDIT SYSTEMS L.P. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thanks for the help,
Product: Credit reporting or other personal consumer reports

i have provided proof to the lender and XXXX of not only my payments but over payments as well to close out my account and i was sent to collections for a charge off amount of XXXX $ when my account had been way more then paid off by my insurance company due to a total loss.
Product: Credit reporting or other personal consumer reports

I located the following unauthorized soft inquiries : AMERICAN EXPRESS XXXX on XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX Inquired on XX/XX/2023 XXXX XXXX XXXX, XXXX XXXX IA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$620.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

I received collection letter on XX/XX/2020. 
I sent the Debt Collection Validation Request letter back on XX/XX/2020 which is within the 30 days response time frame. 
I did not receive any response from MRS BPO , LLC They are trying to collect the debt that is not mine. I do not owe this debt. 
I asked them via letter to provide me with the evidences that the debt is mine, but I did not receive anything back. 
And now, collection is appeared on my credit report and my almost perfect score was damaged by wrongfully claimed debt of mine. Amount is only {$94.00} but I do not owe them anything. 
Because of this false attempt of collecting debt is hurting my credit score.
Product: Credit reporting or other personal consumer reports

I was a victim of a data breach with XXXX. I have found that there are some unauthorized inquires from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and XXXX  such as Midlands credit management, SXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  on my XXXX XXXX, XXXX and XXXX credit bureau that I did not authorize.
Product: Mortgage

This is the third complaint regarding Truist Bank, and the second since XX/XX/2023. Please see attached document email requesting information on how to make XX/XX/2023 payment. To date online banking app and website remain incorrect.
Product: Credit reporting or other personal consumer reports

I have been submitting information for four years on my XXXX XXXX Account. Both XXXX and Experian have refused to investigate and rectify my reports. Even though I have shown and proven with proof. To no avail has there been any relief.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit repport. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Below is the list of the fraudulent items I found on my XXXXXXXX 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 XXXX XXXX XXXX XXXXXX/XX/XXXX. I have read that under the Fair Credit Reporting Act section 605b, you are required by law to remove any accounts and information that resulted due to my identity stolen. Please comply with the law and help me resolve this matter at the earliest possible time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has compromised/leaked my credit and personal information, and is still attempting to charging me for a credit freeze. They are the direct cause for the freeze, yet some how I suppose to pay them to protect my credit.
Product: Debt collection

I have requested a final statement from XXXX and Jefferson Capital. No one will send me my statement from XX/XX/year> and the price the vehicle was bought from auction. I believe the amount owed is incorrect and want to check the validity of the amount owed prior to making a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon my records indicates TransUnion, LLC is reporting inaccurate information on my consumer report. In addition, The XXXX XXXX has been DELETED from my consumer report by consumer reporting agency XXXX XXXX XXXX XXXX. The banking system is depending upon fair and accurate reporting, TransUnion, LLC has a duty additionally failing to comply by willfully failing to follow reasonable procedures to assure accuracy. Inaccurate information a consumer reporting agency shall DELETE by law. In addition, there is a outstanding balance invoice attached. SEE Attachments.
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.

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I saw that they were still reporting that I owed {$3000.00} on my loan account. It was paid off in full by XX/XX/XXXX. I put in a dispute with the credit reporting agencies and the response I received from Greensky/XXXX  was that what they reported was accurate. It still shows a balance of {$3000.00} with XXXX and XXXX and XXXX did not get a response to my knowledge. 

" GreenSky-Logo RE : Account ending in XXXX Dear XXXX XXXX XXXX Thank you for your inquiry to the GreenSky Program ( the Program ) regarding the above-referenced account. The Program services your account on behalf of your lender, XXXX XXXX a Georgia banking company. We received your complaint regarding information we have reported about your account to XXXX or more of the national consumer reporting agencies. 

We have reviewed our records and determined that the account information reported to the consumer reporting agencies is accurate as of the date reported. '' was their response. 

GreenskyXXXX  is required by law to accurately report consumer credit information to the agencies in compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. 

Because they are doing this, it impacts my ability to receive good rates as it impacts my outstanding balances negatively, thus causing me harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts mentioned aren't mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one using my personal information to open an online credit card. 

THIS IS BEEN HAPPENING SINCE XX/XX/2018. 

THERE ARE THERR ONLINE APPLICATIONS. 

WANT SOME ONE TO STOP THIS FRAUD.
Product: Mortgage

Applied for a VA refinance with a broker named XXXX XXXX with XXXX XXXX.

He send me a CD indicating an {$4300.00} Pricipal reduction to Client P.O.C lender.

Rate on mortgage 2.99 % Date XX/XX/2019 I agreed on the terms, told him that I was going to be out of the country starting XX/XX/XXXX-till XX/XX/2019.

He stated no problem, I would be signing the documents on XX/XX/2019.

On XX/XX/2019 I received another CD, stating that my interest rate has changed from 2.99 % to 2.875 %, and my principal reduction is reduced to {$2300.00}.

I called XXXX XXXX and asked for an explanation, he stated that it was beyond his control and that Quicken loans made him do it, and he tried to argue with quicken and their manager, to no avail.

I called Quicken loans call center, and was told that they really could not discuss it with me, I should contact XXXX XXXX.

However, the person I spoke with stated it could be that my broker did not how to do it, and or I could have changes in my credit, or something else.

For the record nothing changed in my excellent credit, and or anything else in my status pertaining to the loan.

So on XX/XX/XXXX I signed the loan papers, feeling rushed, and pressured, and under duress by having to make this decision prior to the Sunday when I was leaving.

I just feel that this, in my opinion, is a switch and bait tactic and should not be allowed to happen.

I'm a XXXX XXXX XXXX Veteran suffering from XXXX  among other ailments and have a hard time figuring out how to combat this, so maybe you could help me out?
Product: Debt collection

I had an account with XXXX that went into collections. Monterey Financial Services was the collection company for this account. I eventually filed bankruptcy in XXXX of XXXX and Monterey Financial Services was included in the repayment plan. While under the XXXX XXXX, Monterey continued to place inquiries on my credit report monthly as well as the amount continued to increase due to interest. My Ch. XXXX was XXXX in XXXX XXXX and Monterey is reporting to my credit report as a collections account on XXXX XXXX XXXX.
Product: Checking or savings account

My employer sent my paycheck to Capital One and it should be available today, however, it is not, they said they were having issues, I can't make my payments because the funds aren't in my account so now some of my bills will be past due and late. Capital One said they didn't know when the issue will be corrected.