23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Sears Credit card account, which belongs to Citigroup. Several years ago, I purchased several large appliances with the card. Shortly afterwards my husband became ill and unable to work. Needless to say, I was unable to make timely payments on this card. After speaking with a Sears credit representative, I was placed on an assistance plan for a year, which ended in XXXX 2015. Since that point, I have been paying on the account monthly. The APR is roughly 21.49 %, which supposedly is based on the total amount owed on the account. At this point, I owe {$4400.00}. The minimum payments for each month have been roughly around {$120.00} to {$130.00} each month. However, when I receive the statement for the previous month, approximately XXXX % of the payment is going to interest and not the principal. At this point, I will be paying {$11000.00} for a credit card with a {$6000.00} limit. 

I contacted the company today to request a lower interest rate for this card. However, they refused to lower the APR. I talked to a supervisor who basically told me that they would not lower the interest rate as that was the rate the card was when I signed up for it! Why would I want a credit card with a high interest rate? When asked if I could speak to someone else, she sarcastically told me that there were plenty of building I could speak with however, no one there was no in the building that would help me by lowering my interest rate. ( That was after she snickered on the phone, while it sounded as if she were eating lunch. ) I know that I am not the only one in this predicament. I am upset with this high interest rate and would like some assistance. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Checking or savings account

While traveling in XXXX with my wife, I needed to send funds to her so we could pay for her hospital bills the totals of which are more than {$20000.00}. On XX/XX/2021 I received a letter from JP Morgan Chase requesting me to contact them because they needed information from me to keep my account safe. After contacting them, they told me that there was nothing I could do but that my account had been terminated after nearly 18 years of being a customer of JP Morgan Chase. 

JP Morgan Chase froze my account, blocked my cards and locked access to my account and they left me stranded in XXXX without access to more than {$100000.00} of my money- all while my wife is in the hospital requiring XXXX  which I can no longer pay for. 

They sent me a letter saying I hadn't provided them with any information they requested - when they didn't request any information. They said, give us information and we " may '' be able to keep your account open - but when I called Chase to talk about it they said the account was already closed. 

The emotional stress of not being able to eat, pay for a hotel or my wife 's hospital bills for XXXX is insane. I can't sleep and have a hard time eating while JP Morgan Chase left me penniless in a foreign country without access to a substantial sum of my money. 

JP Morgan Chase shouldn't be allowed to simply freeze a person 's account because they are XXXX  about XXXX. I grew up in an America where people had the right to life, liberty and the pursuit of happiness. How they can simply close an account after 18 years and leave a person stranded just goes to show how awful they are.
Product: Credit card or prepaid card

You have helped me before with this situation. I made a purchased through XXXX  who uses Synchrony Bank to handle their credit services. My payments were not being posted and they made a comment on my credit report. The company was able to resolve the issue and started posting the payments appropriately.. This month they stated they did not receive my payment again. It was sent out on XX/XX/22 and cleared the bank. When I called to explain this happened before and it was on their end, they keep saying they did not receive the payment. I have one more payment to go after this one. It is almost paid off. The offer was 12 months same as cash and I am paying it off earlier. I do not want them to make me pay back interest.
Product: Credit reporting or other personal consumer reports

I noticed that incorrect bankruptcy information was reporting on XXXX and Transunion. I disputed this information with XXXX and Transunion and they stated that this information was provided by the Bankruptcy court. However, I contacted the bankruptcy court that was listed on my credit report and they sent me a letter that stated that they do not supply any credit agency with any information. Please see the attached letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Equifax for the past year that a company by the XXXX for the amount of {$1000.00} as a " revolving credit card '' has been reporting a credit card that I have never had. The account has been disputed for several months, I have submitted a police report and a FTC affadavit. The account was removed and then was placed back on a " revolving FHA Mortgage ''. I've researched this company they don't even handling mortgages at all! So now I don't have a credit card that doesn't belong to me but a mortgage that does not exist. Even the Equifax rep stated that they don't know why it was a able to change from a " credit card '' to a " mortgage '' yet still when the investigation was completed in less than 30days with  no documentation they stated that the account was verified and accurate. Equifax rep stated they do not get written documentation but simply an email. Meaning anybody can report anything and that their investigations are basically non-existent. My information was breeched during their XX/XX/XXXX breach. I also notified Equifax that I was having issues obtaining my credit file and many companies were pulling a different credit profile with similar identifying characters but with a different social security number. I was advised by an Equifax representative that the file containing a different social security number had been deleted but when I recently applied for a loan the file came up on the banks server and we had to try several different ways to pull my correct credit profile from Equifax. This company has not been helpful at all. I don't understand how they can continue to report accounts that don't belong to me and allow the credit to change the type of account as they please. The account was disputed 57 times between XX/XX/XXXX and XX/XX/XXXX as a " revolving credit card ''. After that it was removed and placed back on XX/XX/XXXX as a " revolving mortgage ''.
Product: Debt collection

For the past year, I have been disputing the validity of a debt through Portfolio Recovery Associates. My credit report does not show a past due account with XXXX. On XX/XX/2016 a man who represented as a XXXX County Court process server showed at my residence and gave my spouse a summons of a pending lawsuit from XXXX XXXX XXXX XXXX. I contacted the XXXX County Court and there had been no lawsuit filed. 

I contacted Portfolio Recovery on XX/XX/2016 and I spoke with XXXX XXXX in the legal department. He stated, " I can not discuss this case with you and you need to contact XXXX XXXX XXXX ''. I subsequently left a voicemail for XXXX XXXX, the representative responsible for my case. 

On XX/XX/2016, after receiving no call back from XXXX XXXX, I called XXXX XXXX XXXX again and spoke to a different representative who I told I just wanted this behind me and I would pay off the account even though I believed I did not owe it. I do not want to go through the time and energy that it takes to legally battle this issue. She pressured me into stating for the record that my dispute was resolved. I stated that it was " resolved under duress. '' She then offered me a settlement of XXXX % of the balance. She sent a email to XXXX XXXX to contact me which he did that day. I agreed with XXXX XXXX to settle the debt for {$1000.00}. The original balance was {$1200.00}. He sent me a settlement letter and I paid it that day with my debit card. I have XXXX letters verifying the debt has been paid. 

On XX/XX/2016, I contacted Portfolio Recovery Associates and I was immediately asked to pay {$250.00} on my past due account for XXXX XXXX. I told them the account was n't mine to begin with but I had settled it through XXXX XXXX XXXX. They refused to help me sort out the balance on the account.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution.

Unauthorized Inquiry in Question : XXXX  - XX/XX/year> Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation.I have not received the required information.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. This inquiry was made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiry. 
Removal of Unauthorized Inquiry : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

There was a hard inquiry on my TransUnion credit report From XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry date : XXXX XXXX XXXX
Product: Checking or savings account

I was a victim of fraud with bank of America and a company XXXX they do transaction with. I received a text message XXXX from the bank that stated a transaction was going through that I didnt approve and I sent a text back saying no I didnt approve the transaction. As soon as I pressed no a Bank of America representative called me. And made me transfer money using XXXX in an amount over {$3000.00} When I called to the next day to follow up with the transaction the Bank of America representative told me it wasnt them that called. The phone number that I received the call from was the exact number on my atm card. The bank investigated and denial my claim and will not be returning my money. My text messaged stated it was from Bank of America and the phone number that called me also was Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a Direct Dispute through XXXX XXXX 's dispute center, and according to XXXX XXXX, the dispute was reported to TransUnion on XX/XX/2018. I've periodically checked back on XXXX XXXX to look at the status. This is what it says every time : Your dispute request has been submitted to TransUnion and is currently waiting for their review. You should receive an update in the next few days regarding the status of your dispute request. 

If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. 

It also had provided a file complaint number I can provide. 

On XX/XX/2018 I called TransUnion dispute center and the woman said she had to knowledge of the dispute being place in the first place. She was not helpful. I called back and go in contact with the question/concern department and the woman said she couldn't find them either. 

I explained I have been waiting 60 days for a dispute report, just to find out it was never properly taken care of by TransUnion. All the woman offered was to restart the dispute again, and wait an additional thirty days for a response. 

Here is what is included in the dispute that was submitted to TransUnion on XX/XX/2018 : * XXXX {$2600.00} * XXXX {$230.00} * XXXX {$140.00} * XXXX  {$820.00} * XXXX XXXX   {$30.00} * XXXX XXXX {$130.00} * XXXX {$710.00} * XXXX {$120.00} *XXXX  {$1000.00}
Product: Debt collection

Hello, I have a defaulted school loan with   XXXX   XXXX  /NAVIENT. The last time I spoke to them was years ago. I could n't afford the monthly payment. After several forbearance 's I knew that I had to start paying again. I did n't understand how I had so much forbearance time. I called.     They were, without a doubt, trying to intimidate me asking me " if I own my home, what kind of car do I have ( year, make and model ), what kind of bank accounts do I have? '' At that point I said " pls just let me send you a check with a payment I can afford. '' They responded with " I can only use a smart check ( I dont know what that is, similar to  EFT  I believe. ) I refused to give them my banking information. I told them I 'd send a money order if they do n't believe I would cover the funds. At that point I was met with a tone that made me uneasy. They refused the money order. I hung up and NEVER spoke to them again. My mistake I guess.     My Mom co-signed this loan. They 're sending her notices and I 'm afraid for her as well as myself. I 'm afraid to even call them. I owe {$100000.00} in school loans. This  one  in particular was originally {$7000.00}. It 's now over {$10000.00}. I 'll never be able to repay all of this money. I never was able to get a job in the field I have my degrees in. I 've accepted that however I can not repay all of this. I do n't make enough money to.     I 've recently spoke to   XXXX   XXXX  . They took my tax refund and put me in a worse hole now. I 've begun to pay them. I 'm afraid to call NAVEINT though as I 've read about the lawsuit.     I 'm angry that the schools and the banks did n't advise me better in regard to these types of loans. I was young and had no idea that {$65000.00} in school loans would be so difficult to repay and turn into {$100000.00}. I 'm angry they allowed me to do so many forebearances. I 'm angry they would n't work with me previously - it 's not fair and I 'm really lost at this point.     I do n't know if you can help my mother and me. Anything you can suggest would be greatly appreciated.
Product: Debt collection

My wife is an authorized user on my XXXX XXXX  account and she is the person who pays the bill. She has a card with XXXX XXXX, in her name, pertaining to my account. On XX/XX/2018 my wife called in a payment to XXXX XXXX  to pay the bill in full. The automated voice stated that the balance on the account was {$500.00} and asked if she wanted to make the minimum payment or if she wanted to pay the bill for the full amount due of {$500.00}. She made the payment in full for the {$500.00}. Yesterday, XXXX XXXX  called our home to state that they wanted to speak with me. My wife put them on speaker phone and I gave them permission to speak with her but they stated that " Massachusetts law '' would not permit them to speak with her. I asked that they cite the law they were speaking of and they had no knowledge of the law - but doing what they were " told to do ''. Needless to say, they never had a problem taking a payment from my wife over the phone. They then went on to state that we were delinquent approximately {$20.00} due to interest ( {$10.00} ) and a late fee ( {$10.00} ). We inquired how there could possibly be interest charged to an account that now has a XXXX balance for the next billing cycle after the bill was paid in full. This was even confirmed with their automated pay department. We have had these issues in the past. Once before, the bill was paid in full by my wife over the phone. Two months later my wife and I went to XXXX XXXX and our card was declined because there was a {$2.00} " service charge '' balance that was not paid the month prior, although the bill WAS PAID IN FULL!!!!. If this is happening to us, this is certainly happening to other card holders!!! They are nickel and diming their customers on bogus fees and interest charges on ACCOUNTS THAT HAVE XXXX BALANCES!!!!! The person my wife and I spoke with was XXXX XXXX ID # XXXX, who identified herself as a manager, refused to speak with my wife even after I gave her permission to do so and asked me if I wanted to authorize a payment ON " HER '' BANK ACCOUNT - ON THEIR RECORDS, WHICH MY NAME IS NOT ON!!!!. IT IS HER PERSONAL BANK ACCOUNT!!
Product: Mortgage

Early XX/XX/XXXX we got a marketing call from PHH Mortgage & their refinance sales team to work on refinancing our home. They explained we had plenty of equity to cash out and specially since we were great paying and had a XXXX Credit rating. Further the conversation they said it would remove our PMI quicker since we had a XXXX ( loan to value ) greater. 

Because of this call we contacted customer service and they explained we had to formally fill a form and request. We requested removal of the PMI after speaking with Customer service on XX/XX/XXXX. We submitted the form which was mailed to us completed and with fund. They confirmed cashing the funds for Survey we requested on XX/XX/XXXX XXXX XXXX XXXX. I asked if you had funds for over 4 weeks now ( today is XX/XX/XXXX ) why did we have to call and escalate to get the survey? No answer only we understand your frustration. 

I asked when will this be resolved? 
XXXX said my earlier call to escalation XXXX XXXX would take 5 days to get the PMI company to answer! So I asked will the survey be done within those 5 days. No answer. 

Recap : Over XXXX week and not a call or letter to schedule the survey to remove the PMI. When we called in XXXX they noted customer did not verify acct but no about our call asking to confirm receipt fo the payment for PMI removal & survey. The person they claim took the call was XXXX XXXX please forgive spelling as what was given ). 

We called again today to ask ( XX/XX/XXXX ) and they would not tell us status so we ask to escalate. The escalation XXXX. XXXX said it would take 5 more days to find out where our claim to remove PMI Insurance. 

They are dragging their feet because we are simple people, minorities that can not affor a lawyer! We would sue them for lack or proper attention to our PMI charges. The house is valued at this time over $ XXXX and the loan is down to {$210.00}. A 70 % where at 80 % they should have removed the PMI.
Product: Debt collection

I have been receiving text messages from a company called XXXX Outsourcing, and Jefferson Capital Systems XXXX, both claiming to be collecting a debt owed to XXXX. Funny thing is that I have never had a XXXX account. Even the text messages are being sent to a phone number under a different telecom. XXXX of the text also identifies me as XXXX, which is not my name. The text messages have been received on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. They needs to stop and they need to understand that the number is not a XXXX number, nor do I owe them any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account that was cleared Reported wrongful. Written Unfair investigations not On consumer side, fail To do the right thing By following laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car was taken by XXXX XXXX and the company then filed bankrupcty which my car was inlcuded in but now the information was sold to an collection agency and now that compnay is saying i owe money on a car that was closed on my aacount
Product: Debt collection

I was in an accident on XX/XX/2018, i was insured at that time and found to be at fault. I only had liability coverage, i paid the court and towing fees as well as my hospital bills which amounted to {$3000.00}. I provided my insurance information to the police on the spot. A month later I start getting calls from this company called AFNI. They said they are an insurance collection agency and i owed them {$14.00} XXXX for the accident. I told them I had insurance and provided my insurance information. They kept calling for months threatening to sue if i do not pay. Now they have had my license suspended by the Ohio bmv and it states that I have a non-compliance debt with afni of {$10000.00}. And I also need to pay a {$350.00} reinstatement fee. I had insurance and i gave my policy card to the police, afni claims I had no insurance and calls me everyday of the week. I've called my insurance company ( XXXX XXXX ) and they say the claim is still open ( claim number : XXXX ) there's nothing they can do to help me at the moment. I am going to sue this company. They don't want to deal with my insurance company, I am currently XXXX  and their constant harrassment has elevated my XXXX XXXX.
Product: Credit card or prepaid card

hi! I was enrolled in XXXX XXXX card through a previous employer ( XXXXXXXX XXXX ). Upon resigning, XXXX closed that account and reissued a new one to me. A new card and letter came. I want to close this. They say they can not close it as I have to go through my old employer. I did. They have a verified account as closed. XXXX had closed the acct associated with my old employer and issued me a new account complete with {$2.00} fees and will not close it. I have been rounds with my old employer and Alight and both are claiming to be unable to simply close this XXXX master card account. At this point, they need to be discovered by some authoritative body. Worse, I can't get proof of transactions from the original account that I need to show i paid my XXXX XXXX. 
I did not ask for a new XXXX account to be issued to me. Initially it was issued with a remaining balance for me to use from the XXXX acct through my employer but I have exhausted that in hopes I can get it closed but can't close it. They gift themselves arbitrary fees monthly. Please help me hold them accountable for opening an account I did not ask for and being unwilling to close it.
Product: Credit reporting or other personal consumer reports

I have three accounts on my credit report that I have no knowledge of. I have filed an ftc report for each of these accounts 2 XXXX XXXX  account XXXX XXXX XXXX business account I have mailed a formal dispute request to each credit reporting agency listed In this complaint Please delete these accounts from my each of credit reports IMMEDIATELY!