23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XXXX XXXX XXXX notified XXXX XXXX XXXX on several occasions to release and dismiss a judgment ( cause no. XXXX ) on XXXX XXXX, XXXX XXXX and XXXX XXXX, 2014 because the matter was settled well-before the court date. XXXX XXXX XXXX indicated that they did not place the judgment on the Equifax , XXXX and XXXX reports. XXXX and XXXX bureaus deleted the judgment from my report. However, Equifax is indicating that the entry is adequate. Thank you for your assistance.
Product: Credit card or prepaid card

I have two credit cards with Chase. Total balance about $ 20k. I never get this much in debt but the CC amounts are so high because I had to move to support a family member who is sick and then the virus hit which meant a loss of income and I struggled to pay the interest and debt. I did the 3 month standdown of payments chase offered during the virus but they still charge interest which I have to pay later!!! So there is no gain. Talk about morally corrupt. They should have not charged interest. Chase is getting money at almost 0 % with big government subsidies and are still charging 17 % on CC 's! 
Since the virus hit, I've contacted Chase about 8 times - both by online messages and phone. I've spoken to numerous departments. The only offer was to close the cards and put me on a 5 year plan at 12 %. This will be about $ 10k in interest! 50 % of the debt!!! Still robbery. And to close the cards seriously affects my credit report which I'd like to avoid. 
I've always paid my debts in my life, never been bankrupt, and been a good customer of theirs for over a decade. It is reasonable in this trying times of the virus and economic shutdown to get a compromise solution from them. I've asked them to lower the interest rates on the cards so I can manage to make the payments. Another bank I had a card with did this and I paid it off. However chase has refused. They should be reducing interest to those in trouble to single figure interest rates. Which is still way higher than the bank rates and covers the risk of unsecured debt. 
The Chase department that deals with negotiating debt advised me to declare bankruptcy!! I asked them a couple of times if I was hearing them correct and they said they had no options for me other than advising me to declare bankruptcy! I'm reaching out and trying my hardest to deal with this debt in a reasonable way and asking them to compromise and lower the interest rate on the cards and they refuse. I do not want to walk away from the debt but Chase needs to be more lenient in these troubling times and meet me half way. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX : {$1900.00} XXXX XXXX 81125537****Balance : {$1900.00} XXXX  XXXX Balance : {$3800.00} XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX NC ) XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX NC ) XXXX Balance XXXX {$210.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX : {$920.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX  XXXX Original Creditor XXXX XXXX XXXX PA ) XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXXBalance : {$210.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX*Balance : {$1400.00} XXXX XXXX  XXXX XXXX Balance : {$3500.00}
Product: Credit card or prepaid card

Business credit card with a {$29000.00} credit limit allowed to go to a balance of {$70000.00} as of statement date XX/XX/XXXX. I have been paying the card on time monthly. When I requested a payment plan to pay of this card in 28 months via $ 1000 monthly payments I was told there was nothing JP Morgan Chase could do since the account was current. I held back 1 scheduled monthly payment and was told again there was nothing Chase could do. After that I had my previous business accountant and attorney look through the Chase credit card statements and they uncovered the large balance overage, to the exact month where the card was allowed to go over {$40000.00} above the {$29000.00} credit limit. When I asked Chase for documentation I was sent a standard form letter stating the JP Morgan Chase sometimes allows clients to go above their credit limits. I was hospitalized at the time and that is what forced me to sell my business back on XX/XX/XXXX. I contacted Chase numerous times and was passed from supervisor to supervisor with no progress other than " we will contact you back within 2 weeks to your last physical mailing address. '' I did not sign up for or authorize an increase in credit limit and did have employees with additional cards. I am not disputing the charges. I only want to know who authorized this additional {$40000.00} limit to my account? The card documentation has always stated a {$29000.00} limit and I have never agreed to a credit line increase or another credit product to give me that additional credit line.
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue for months and this company continues to repeatedly ignore my requests and demands to update my consumer report per federal law. I have called and had conversations with supervisor explaining the situation while providing the laws that support my states, only for the company to come back saying the information is verified. They do not have any proof of how they verified it and why that verification would supersede federal laws. They are willfully ignoring what Congress wrote about my consumer rights. I have done everything possible to work this out with this company and yet they still intentionally cause harm to me by refusing to properly investigate this matter. They refuse to delete information pursuant to my clear instructions as this is what the law allows. They are using my information to enrich themselves when I never gave them my information in the first place. One would call that identity theft. This company has been able to profit off of me while continuously causing harm. This would not be the first time I have had to take extreme measures to correct their illegal and fraudulent actions. Now I see that they have been sued directly by the CFPB which further supports my claim that they are committing intentional acts to harm consumers such as myself.
Product: Credit card or prepaid card

on XX/XX/2018 i applied for a credit through wells fargo 's online site. my intention was to do a balance transfer from XXXX XXXX and enjoy the no interest period and pay off my debt. i submitted the application and was surprised that i was not instantly approved. i decided to 'sleep ' on it and check my email the next morning. i had gotten an email overnight from well fargo informing me that my application woud take more time for review. i saw a phone number and decided to call and check the status of my application. the agent that assisted me informed me that my application was actually declined. i asked why, and she informed that it was due to activity contained on my XXXX credit report. this was new to me, i check my credit report at least once a month and monitor my credit score once a week. i was also told that i was going to get a lette in the mail in few days with the reason i was denied. i got the letter in the mail today. and the letter said i was denied becuase i had open too many trade lines within the last 24 months. the back of the letter also stated that my XXXX   credit score was used a deciding factor in my application, my credit score was listed as XXXX. in all of my experience a credit score of XXXX is considered high. i reached out to well fargo for a further explinations and was trasnfered to the 'executive office ' but they were not ableo to help me. i feel that my high credit score should have been enough to have my applicatio approved. the agent did not seem to want to help me. at this point, i have already applied and by approved by another bank but the damage is done. there is now an inquiry from wells fargo for an application that got denied for no reason. my desired solution is to problem is to have wells fargo remove the credit inquiry from my credit report. i suspect that wells fargo is envoking the '5/24 ' rule. meaning that credit card companies wil deny applicants, regardless of credit history ; if they have had 5 or more credit cards opened within in the last 24 months. it is a practice that i feel is used in order to lower credit scores, which therefore will mean applicants can get approved for higher interest rates. my application # XXXX
Product: Debt collection

Hello, I received a call from someone from check into cash services saying that I owed them from a debt opened last year which I had explained to the associate that I never approved any online transactions for a loan. I had XXXX  XXXX XXXX and my account had been breached. I had to pay XXXX almost 3 times to keep my account open so that the bank could try and resolve the problem. The bank ended up closing my account because I refused to keep making payments on an account that I did sign. I spoke with check Into cash to try and work out something without me paying but they refused and ultimately sent the account into collections. I wish to dispute this transaction because I dont acknowledge this account and dont have the funds to pay it.
Product: Credit reporting or other personal consumer reports

This is a formal complaint against PORTFOLIO Account # XXXX, a third-party debt collector, for violating the Fair Debt Collection Practices Act ( FDCPA ) and to seek monetary relief for the distress and financial harm caused by their actions. 

Complaint Details : * Debt Collector : PORTFOLIO Account # XXXX Nature of Complaint : 1. Lack of Written Notification : PORTFOLIO Account # XXXX did not notify me in writing about the alleged debt before placing it on my credit report. This is a direct violation of the FDCPA, which requires debt collectors to provide written notice of the debt and an opportunity to dispute it before taking adverse action. 

2. No Contract or Business Relationship : I have never engaged in any business with PORTFOLIO Account # XXXX and have no contractual agreement with them. Their claim is unfounded and unauthorized. 

XXXX. Inaccurate Reporting : The account information reported by PORTFOLIO Account # XXXX is inaccurate and incomplete. The balance listed on my credit report does not match any previous obligations, and the presence of " payment terms of 1 month '' is misleading and incorrect for a collection account. 

XXXX. Unauthorized Credit Report Entry : PORTFOLIO Account # XXXX added this account to my credit report without my consent, violating my right to privacy. They have failed to provide any evidence of my consent or their right to report this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

removed connsumer statement and fraud alert without consent on credit report while chaging address to a Michigan address that no creditor is reporting. 

I reported a change of address to all creditors in XXXX, XXXX, XXXX, and added consumer statement with fraud alert in XX/XX/XXXX and that was deleted along with fraud alert.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I was extremely ill and was not able to work. I took advantage of enrolling my existing comenity accounts into the hardship program as I was told that my payments would be made, I would not accrue any late charges, or 30 day late marks. The information given to me by the Comenity bank representative was inaccurate as I suffered 30day late credit marks on my accounts. Specifically on the accounts of Comenity XXXX Account in XX/XX/2017 was reported 30days delinquent, Comenity XXXX XXXX in XX/XX/2017, Comenity Victoria 's Secret in XX/XX/2017, and Comenity XXXX XXXX in XX/XX/XXXX which is now closed due to their company going bankrupt. I have written letters and made numerous calls to have the information removed however the buck is constantly passed and Comenity bank is not righting their wrong by removing the 30 day credit marks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1986 CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
INQUIRIES : XXXX XX/XX/scrub>/24 XXXXXX/XX/XXXX XXXX/XXXX/24
Product: Mortgage

Upon selling my home XXXX PennyMac failed to refund my entire escrow account. Despite a letter from PennyMac stating they have {$240.00} for me all I need to do is tell PennyMac I want the money and they will send it they continue to hold the money. I emailed the documentation they requested to advise them I wanted the money and I have also called PennyMac twice yet PennyMac continues to provide excuses about why I have n't received my money. I have provided my current address on XXXX occasions yet PennyMac can not seem to update their system to reflect the proper address.
Product: Credit card

I am going on a trip to North Carolina. i went to purchase ticket to a baseball game in NC with my Capital One Savor card and after going through the process the transaction was declined for no reason. I tried several times and then had to waste my time dealing with this disgusting company 's outsourced customer service and ridiculous automated phone system. Capital One uses poorly designed AI to handle their fraud prevention. It is as incompetent as they are, which is to say extremely. It took XXXX calls to their XXXX XXXX XXXX customer service until they finally managed to remove the improper fraud block. The bank isn't protecting me, they're protecting themselves, because, THAT'S ALL THEY CARE ABOUT. This practice has caused me to lose out on time sensitive sales, it has wasted a TON of my time, and almost caused me to lose out on tickets to this game which were almost sold out. It accomplishes NOTHING. And I don't have this problem with any other of my credit cards but these XXXX. I have brought this issue to their attention several times, however, it doesn't seem to get through XXXX XXXX XXXX XXXX heads. They are WORSE that a " typical bank ''
Product: Checking or savings account

The financial Institution promoted the XXXX XXXX account as a benefit to my account, however ever since having the XXXX XXXX to my checking account I have not been able to catch the account up and manage my regular everyday responsibilities. 

The account has stayed in a negative status since I started using the account, but the financial institution has not offered any support to remedy the matter. 

The financial institution has trigged XXXX as I was not provided the proper required disclosures to allow me to make an informative decision of how this type of account might negatively affect me prior to obligating myself into a trap of repeated over draft. 

The collection of the account forcing my account into a never ending draft status is unconscionable as I have regular routine financial responsibilities that I have not been able to meet due to this matter. 

Now the financial institution is threating to take adverse action to close my account, but the account is FDIC in the amount of {$250000.00} which the financial institution has recouped the insurance several times but has left me struggling to repay each time.
Product: Credit reporting or other personal consumer reports

I am being ignore by Equifax. I have notified them of the illegal reporting of these debts on my report for which I never received the alleged debt validation for them. I have involved the attorney general and have attached the complaint sent to them.
Product: Credit reporting

I have been back and forth with Equifax since XX/XX/2010 about some of their credit reporting choices and they have re-inserted data on my credit report the last week, failed to give me a full credit report after my last investigation and claimed by report is not showing files with account numbers I listed, even though according to XXXX, they are listed.

For their most recent failure, they have added XXXX XXXX files to my report, in which all of them were deleted from my report in XX/XX/2010 after the investigation came back as not mine.  Since that time, there has been at least 3-4 times in which they added these files back on, then deleted them after I reminded them they cannot re-add a file without giving me prior notification, as per the law, and they just allow it to happen.  My only recourse has been to report them, contact attorneys offices and BEG for investigations to be completed correctly.

I want these files finally deleted and left off my record, as they have already been multiple times the last 5 years.
Product: Debt collection

VFN  and associates has been calling my place of employment regarding my debt I work at a funeral home which is not appropriate they have called multiple times in a row sometimes 2x in less than 5 minutes. I am working with the debt consolidation company beyond and they need to be called. This happened just today XX/XX/19
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate information on my credit report that has not been addressed despite my prior attempts to correct these errors directly with the credit bureaus. My credit report currently lists several inquiries, addresses, employment history, and name variations that are incorrect and were not authorized or associated with me. Specifically, I am seeing addresses where I have never resided, outdated employment details that do not reflect my current or recent work history, and name misspellings that create confusion and suggest identity inaccuracies. Additionally, there are unauthorized inquiries that I did not initiate, which may have been added without proper verification. I believe this incorrect reporting is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to maintain accurate and fair reporting. I am requesting the Consumer Financial Protection Bureau 's assistance in ensuring that the credit bureaus conduct a thorough investigation and promptly correct these inaccuracies. These errors are affecting my credit profile and could impact my ability to secure credit, housing, and employment. 

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

Hello, my name is XXXX XXXX and I received a Chase bank debit card in the mail on XX/XX/21 under my maiden name XXXX XXXX. I reached out directly to Chase bank and advised them that I never opened this account and also that I haven't used my maiden name in over 14 years. Per the Chase bank representative there has been activity on the account. I was also advised that they would be place a hold on the account as they work to close it out. I was provided with claim # XXXX.
Product: Credit card or prepaid card

On XXXX XXXX, 2020, SunTrust Credit Card erroneously charged my checking account the balance of my credit card, which was {$2200.00}. The charge did not reduce my credit card balance. This credit card was recently set-up using a promo 36-month low APR ( matched at the Prime Rate, which was 3.25 % at the time ) balance transfer. When I contacted SunTrust the same day they admitted to an erroneous payment and they were working to reverse it. The reverse never happened and eventually, after numerous conversations with their customer support, SunTrust reflected the charge on my credit card balance without my consent. Effectively they forced me to prepay my entire balance and I was out both the {$2200.00} and the balance transfer promo, in addition to other charges I incurred as a result of the erroneous charge on my checking account. I incurred substantial hardship and fees from the unplanned {$2200.00} charge - including damage to my relationship with other banks, and my apartment management company. SunTrust customer support, while initially knowledgeable about the issue, now has no idea what is going on or how to fix it.