23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX my wife tried to pay for groceries with our PNC credit card and the transaction was rejected. She spent considerable time on the phone to determine why it was denied and had no success. That XXXX  I spent at least an hour and a half trying to get some answers and in the process was transferred 5 different times. I finally got to a supervisor in customer service who informed me our card was cancelled. The reason I was told was that they tried to communicate with me by mail and got no response. Since they do not allow their mail to be forwarded our lack of response is understandable since we spend 4+months in Florida and have for the past 20 years. It was also mentioned that they tried to contact us by phone and email with no response. This is hard to believe since their fraud department has contacted us at times to verify transactions and we were called most recently. 
I requested they reinstate my card or send me a new card they said they couldn't do that. To get a new card I would have to submit a new application. We have been with PNC for at least 30 years and we pay off the balance monthly. Also they would find credit score numbers that would meet any bank requirement.

Along with the embarrassment this caused my wife as well as the additional trouble to now apply somewhere else for a new credit card this whole situation is ridiculous. We have a long history with PNC and with any effort at all they could have answered their questions and not closed the account. There is more that could be added to this story but I've gone on long enough. This is the kind of service you get when you are just a transaction. I guess 30 years isn't long enough to develop any kind of a relationship with a bank like PNC.
Product: Mortgage

The falsehoods of Wells Fargo and XXXX never end. My lawyer said they will not forgive any of the principal because my house is worth more than the {$410000.00} loan. Anyone who has seen our house knows that it is a knock-down house. It is one of those cheaply built houses ( for XXXX ) built in XX/XX/XXXX. Our house is especially in bad shape. The front steps are literally falling apart, the metal railing with the concrete is split off from the main part. The back deck is rotted in many places. The fence around the deck is mostly broken off. The ceiling in the basement is 7-feet high. I hit the ceiling when I do jumping jacks. I had to tear out parts of the walls because of mold. Upstairs the kitchen and main bathroom are falling apart. The kitchen floor is old and torn up. Windows are old and hard to open. There is an old pool in the back yard but the tiles have cracked off. It is NOT an asset. A buyer would have to fill it or put a lot of money into building a new one. The front and back yards look terrible. It is a knock down house. There are houses on my street that were knocked down and rebuilt. Two or three of the original houses were built well and well maintained. New houses in the neighborhood are worth much more than {$500000.00}. No one has inspected my house and given it an evaluation. Builders will only pay {$300000.00} at most for my house. Ask Wells Fargo and XXXX to provide proof. 

What are my rights? XXXX  sent a modification yesterday. Will I jeopardize the modification and risk losing any mortgage if I continue to fight these legitimate claims of corrupt practices? Will someone please call me to discuss my filed complaints? XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went over a copy of my new credit report it contained same errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is defaming the integrity of my credit file. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified accounts XXXX  # XXXX XXXX XXXX # XXXX
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. 


Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. 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 may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a domestic violence case and got a restraining order, this account is his but is still reporting on my credit and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, XXXX is reporting inaccurate information on my credit report. They have reported that I was late making my student loan payments during the timeframe that I was in forbearance on two occasions. XXXX lists my account as 90 days late in XXXX of XXXX and 120 days late in XX/XX/XXXX on my Experian credit report. However, during that same time period, I was reported as " on time '' on my XXXX and XXXX credit report during that same timeframe. In XX/XX/XXXX, they also reported my credit report as 90 days late, which is also inaccurate. If I was 90 days late, in XX/XX/XXXX, why was XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX marked as " paid on time '' on my credit reports?! Furthermore, the account number listed on my XXXX credit report is not correct ; my correct account number per the XXXX online portal is XXXX. The account numbers listed on my XXXX credit report begin with " XXXX '' and XXXX '', but was verified as " accurate '' when I disputed with the credit bureaus. These accounts do not belong to me and need to be COMPLETELY removed from my XXXX credit report. Per the XXXX, XXXX is required to report complete and accurate information on my credit reports. I previously disputed these accounts with the credit bureaus and reached out to the student loan Ombudsman, and this issue has still not been resolved. I am aware that there is a current lawsuit against XXXX filed by the CFPB and several attorney generals for unfair and unjust student loan servicing practices ; I am a victim of those corrupt practices, which has damaged my credit rating and caused severe emotional distress. 

I am attaching a copy of all three of my credit reports, a copy of the complete Department of Education Student Loan Data System report that proves that I was in forbearance as during the time that I was reported late, as well as my email that was previously sent to the Ombudsman requesting that these issues be corrected. I am hoping that the Consumer Financial Protection Bureau can help me resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/202XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX, MD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX 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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion regarding the inaccurate information on my credit report. Despite my initial inquiry, I have not received a response to date. Below are the details of the erroneous information and the necessary corrections : The account in question, XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ), was never late. I request that TransUnion rectify this misinformation promptly on my credit report.
Product: Debt collection

I entered into a consumer credit transaction with Carmax Auto XXXX XXXX XXXX XXXX  on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 us 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Carmax Auto XXXX  XXXX XXXX XXXX took cash in the amount of {$2600.00} as a deposit. The Finance charge is suppose to include insurance, but Carmax Auto XXXX XXXX XXXX XXXX made me purchase insurance separately. My consumer rights were violated.
Product: Consumer Loan

In XX/XX/2016, Chrysler Capital repossessed our vehicle. They said we needed to pay {$1900.00} to bring it current and get our vehicle back. We borrowed the money to get caught up and we are still paying on it. They said another payment would be due on the XXXX, but once we paid up, they would be able to put that payment at the end of the loan. We paid that amount on XX/XX/XXXX and got our vehicle back. Once they processed the money, they said they could n't do anything because the loan had defaulted. So we were back to being a month behind immediately. We started getting phone calls about the payment and for the next 9 months, we 'd get phone calls about being behind a month. We 'd set up a payment to be taken out and it would get paid. Last month, they said that they sent the account to repossession and the only way I could stop it was to set up XXXX payments. They accused me of being 3 months behind at this point. The first payment came out, but I stopped the second payment and told them I was disputing the amount I was behind on XX/XX/XXXX. She took my information. On XX/XX/XXXX, I received a message to call Chrysler Capital. I called back the next day. He asked when i was going to be able to pay. I told him that I had filed a dispute about that amount. He told me that they determined I was wrong and the amount was right. I told him I needed to talk to someone about that because my records indicate something different. I received a message from a woman at Chrysler Capital late on XX/XX/XXXX but could n't return the call. Early on XX/XX/XXXX, the same woman called back and left a message. I could not make out her name either time. I was busy and could n't return the call right away. I was planning on calling back in a little while. Instead, 5 minutes later, I get a call from my XXXX mother that this woman left a message for her, looking for me. My mother was very upset. There was no need to call her since I had just spoken to them 5 days earlier. And she had JUST left a message for me to call back and did n't give me a chance to return her call.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have an ONLY filed bankruptcy from 2013 on report sent in letter from Wisconsin Federal court as instructed and TransUnion still refuse to remove it from file after numerous attempts with NO validation or verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the account to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate the account. Please follow the law so that this situation can be settled quickly. 
XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX Balance {$5700.00}
Product: Credit reporting

Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried reaching out to XXXX, EQUIFAX and XXXX  with regard to multiple inquiries being reported in my credit reports without my permission or consent. I have been unable to get this resolved after multiple attempts to dispute. I have made phone calls, as well as sent certified letters. I have even had to do my own freeze on my accounts until this is fixed! This is putting a significant amount of undue stress on me. Credit bureaus are SUPPOSED to properly verify the accuracy of items listed on my credit report! Please help with this.
Product: Mortgage

I had an issue with my mortgage payments and was in the process with the lender XXXX in a loss mitigation plan and without any resolution they sold my loan to another lender Shellpoint with no details. I started the loss mitigation again with the new lender Shellpoint. My original monthly payment was @ XXXX/month and the trial plan payment was raised to @ XXXX/month. I made the payments with a loan. Then I had to wait for over 100 days for them to complete the loan mitigation and the new loan payment is now @ XXXX/month. I know that the documents were clearly not correct when they sent my paperwork to XXXX. I have researched and it seems there were a lot a illegal procedures done with my loan. Please advise
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I have roughly $ XXXX of Student Loan debt, $ XXXX of which is Private through Navient. All of my loans are cosigned by my XXXX year old grandmother who lives on Social Security benefits month to month and makes a yearly income of - XXXX ( she dips into savings every year ). My mother has cosigned XXXX of these loans for {$11000.00}. She too makes little ( she works for XXXX XXXX ) and is currently fighting a foreclosure suit on our childhood home ( my dad passed away in 2012 but prior to his passing, he took out a home equity loan for {$140000.00} - now my mom is stuck with this loan, even though she never signed the agreement and is a co-owner of the home - that 's another story ). She has a 401k. 

Navient will not let me lower my monthly payments because both of my cosigners show as eligible to pay the full amount of the loan. I am on a XXXX year plan right now but I need to extend to at least XXXX. After pestering and talking to the supervisor at Navient, I found that my cosigners are deemed eligible to make payments on the loans because they have assets - they are both homeowners and have retirement savings. I applied with XXXX XXXX to consolidate my loans and they will not work with me because I have too much credit out currently, even with a cosigner. I feel trapped and scared and horrified and I do n't know what to do. Do you have any advice?
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX XXXX XXXX XXXX has completed their investigation as a result of proper online disputes. However, after attempting to communicate these same findings to XXXX and XXXX, they have been negligent and in violation of the Fair and Accurate Credit Transactions Act of 2003 ( 15 USC chapter 41, subchapter. I 1601 et seq ).

The following are said accounts:XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, {$690.00} Reported Balance, 70 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account ; XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , {$270.00} Reported Balance, 93 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account ; XXXX ) XXXX XXXX XXXX XXXX, {$230.00} Reported Balance, 79 % Credit Utilization, XXXX Late Payments, XXXX XXXX Age of Account. I have also disputed with Experian and XXXX the inaccuracy of my personal identification information being reported, after requesting for these to be removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX
Product: Credit card or prepaid card

I have a Visa credit card issued by Synchrony Bank in conjunction with Chevron Oil. Participating Chevron stations offer a discount on the pump price of gasoline when using the card. The discount was not applied three times that I have used the card. The first two times the bank was apologetic and told me the problem would be fixed by the dealer reprogramming his gas pumps. Also Chevron sent me a gift card for my troubles. 
This last time, for whatever reason, the bank has not responded to me ; neither has Chevron. After a month of waiting for a response, I contacted the bank again and they said it could be another month. Why does this suddenly take two months ( or more? ) to investigate when it only took a few days previously. And why does this keep happening? 
The latest incident occurred at XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, TX, XX/XX/2019, XXXX. The pump price was {$2.00} and the discounted price, which I should have been charged, was {$2.00}. I purchased XXXX gal of unleaded regular on pump # 4. 
Obviously I have a receipt. They should too in their electronic record of the sale.