23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX	XXXX XXXX XXXXXXXX XXXX, Missouri XXXXXX/XX/XXXXDear Attorney General,I am writing this letter to implore your assistance in resolving the inaccurate reporting of the accounts below on my credit report:Account Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXAccount Number					Account NameXXXX					XXXX XXXX XXXX XXXXI have disputed each of these accounts, with the Equifax credit bureau, on several occasions, for several DIFFERENT inaccuracies, only to have received a ’canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” each time. On XX/XX/XXXX I sent a request to XXXX for ‘’a description of the procedure sed to determine the accuracy and completeness of the information’’, as per my consumer rights, and as per the FCRA Section 611 (a)(6)(B)(iii). I did NOT receive any response from XXXX.On XX/XX/XXXX I sent a 2nd letter to XXXX to requesting a description of their reinvestigation procedures used to determine the accuracy and completeness of the information, as per my consumer rights, and per the Fair Credit Reporting Act Section 611 (a)(7). The FRCA allows the consumer reporting agencies 15 days to respond to my request. The 15-day period has ended over 2 weeks ago, and I did not receive a description of the methods used to verify these accounts. Instead, I have received another ‘canned’ response of “THIS ACCOUNT HAS BEEN VERIFIED” I am asking for your help to correct my credit report, by deleting these accounts. My husband and I are trying to financially prepare for home ownership by Spring XX/XX/XXXX. This is hindering us in our goal for financial independence and home ownership.I have enclosed a copy of the certified mail receipt to confirm Equifax received my letter, copies of my letters to Equifax, and copy of their response to my requestsThank you for your assistance.XXXX XXXX
Product: Checking or savings account

I filed a disputed claim with Chase Bank for a fraudulent charge of {$250.00} on XX/XX/year> reason I did not make or consent to this transaction. On XX/XX/year>, Chase Bank sent me notification via my email address XXXX to inform me that a decision regarding my claim status can be view in the Chase bank mobile app. I read the letter, which states, we found the transactions was processed according to the information I provided or was authorized. As a result, e are removing {$250.00} from your account on or after XX/XX/year>. So, I contacted the claims department that same day ( evening ), spoke with XXXX in the claims department asked how did Chase bank come to their determination of the claim was processed correctly and what proof was provided in making this determination. I also asked for copies of said proof and an explanation of determination sent to me via email. XXXX the representative, stated, she could not send me any documentation via email, it had to be mailed please allow 10 business days. She also told me that Chase bank dispute back office, has other disputed claims with same merchant as proof this is the most likely reason for the {$250.00} reversal from my account. 
The disputed claim was from a cash app merchant. I informed her that I did not recognize the merchant nor did make or authorize that transaction. I explain to her that I do not have a cash app account and asked again for their proof stating how this claim is a valid transaction. I asked the representative XXXX, to please escalate claim to Chase Bank XXXX XXXX department, which she informed that she could not do as well. I told her that I would be filing a complaint against Chase bank with the XXXX, do not close claim until this matter have been resolved via XXXX. Needless to say, the claim has been closed without any resolution or any documentation provided to me from Chase bank. Chase bank employee 's are able to receive a secure message from the mobile able to issues and concerns, however, their is not any means or contacting Chase bank members of management or leadership regarding escalation of complaints or anything. Chase bank is also able to send out email notification to their customers personal email addresses to inform them to check the mobile app for more communication on something, however, the same communication is not recipricated with Chase bank providing their customers with information requested. I'd recently provided Chase bank with a police report on my stolen or lost wallet, computer, phone, etc in XXXX.
Product: Mortgage

Selene Finance took over the servicing of our mortgage payments in late XXXX, and almost immediately raised our monthly payments by over XXXX  % ( from {$3700.00} to {$5000.00} ). This was mostly due to a unilateral change that Selene made in the escrow collection agreement that led to an overall escrow shortage of just over {$11000.00} ( a {$7000.00} shortage caused by Covid-related forbearance had been distributed over 60 months by the previous servicer, but Selene opted for immediate payment when they took over the loan ; unbeknownst to us, our homeowners insurance premium had also been increased by over {$4000.00} ). After filing a complaint with the CFPB and XXXX, Selene did adjust the monthly payment to {$4200.00} ( an increase of about 15 % ) but this was only after we were several months behind on mortgage payments. We were encouraged to apply for mortgage relief, but Virginia Mortgage Relief denied our request since the purchase price of our home exceeded their maximum ( we purchased our home in XXXX  XXXX, just before the crash ). 
Having dealt with Selene for the last twelve months, we have become increasingly convinced that they have no interest in good-faith negotiation. For instance, we applied for a loan modification, but after Selene dragged its feet on our application for three months, they returned an offer with a monthly payment of {$5100.00} ( an increase of about 37 % ). Consequently, we decided that our only option was to reinstate our loan.

Pursuant to that design, we sent a letter to Selene on XX/XX/XXXX, requesting an updated escrow analysis so that we could get an accurate reinstatement quote ( we had drastically lowered our insurance premium in XXXX and notified Selene of the change ). Selene refused to perform an off-schedule escrow analysis in a letter from them dated XX/XX/XXXX, and did not order an escrow analysis even though we sent a written request on XX/XX/XXXX, via certified mail and email. Selene finally ordered the escrow analysis on XX/XX/XXXX, after I submitted a verbal request to customer service and a new email request on XX/XX/XXXX. 
In the meantime, however, Selene has resumed the foreclosure process, and we were notified on XX/XX/XXXX, that our house will be subjected to a foreclosure sale on XX/XX/XXXX.
Product: Debt collection

Date XX/XX/year> From XXXX XXXX Social Security Number XXXX Social Security Number XXXX Message : I Have ( XXXX ) Social Security Number Due To ID.Theft By Ms.XXXX  XXXX XXXX # XXXX Equifax : They are XXXX XXXX on both XXXX my social security numbers.XXXX # XXXX XXXX : They are reporting collections on both of my social security numbers.Violator # XXXX Trans Union : XXXX XXXX reporting collections, XXXX XXXX of my social security numbers.Citation Of Law : Texas XXXX and XXXX XXXX XXXX Chapter 501- Section ( s ) 501.001 ( 5 ) and 501.101 ( d ) prohibits the use of personal information such as social security number to be used by a creditor who collects a person .... ( Social Security Number ) and must by law destroy such information after 6 months of and consumer transaction.These Creditors.. ( Santander ) ( XXXX XXXX ) ( WAC XXXX ) all have been notified to cease and discontinue using my SSN # in unlawful consumer commercial debt collections.
Product: Credit card or prepaid card

I recently made a military move from XXXX to XXXX. I opened a Best Buy credit card to help make purchases for the move in XXXX. When I was applying for the credit card, the Best Buy sales associate pulled the information from an old Best Buy account account that was on file. I told him the address was not up to date. He said to just leave it as is and to update the address later so I did not update the address. After opening the account, I called Best Buy to change the address on file for me and they restricted my account because my phone number was not eligible to receive text messages that verify my identity ( my cell phone is under my husbands name because we have a family plan ). The only solution Best Buy/Citi bank can offer to unrestrict my account and update my address so that I can receive my credit card is to mail a letter to my old address in XXXX  to verify me. I have told them several times I can not receive that letter because I live in XXXX. The associate I was working with went on and asked me to get a hold of the person who lives there and have them open my mail and read me the code so I can verify myself to Best Buy. This was the best solution they could come up with. Now they are saying there is nothing else they can do and I am unable to receive or use my credit card because of fraud concerns. When I open the credit card I spent {$2400.00} on the card and later payed the balance in full no more than two weeks later. The payment and account opening both happened in XXXX. How does that sound like fraud?
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my report. This account is hurting my ability to obtain credit. It is my understanding that EQUIFAX will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX XXXXXXXX XXXX XXXXXXXX XXXX # XXXX
Product: Credit card or prepaid card

I applied for a Discover card mid XXXX, about XX/XX/XXXX. At that point in the application process they asked if I wanted to do a balance transfer and I did so I filled out the online form with my information. I received the card in the mail 2 weeks later. I logged in to their website to activate my card on XX/XX/XXXX. It was at this time, my account was at a XXXX balance and my other credit card was still showing the full balance. There was no indication of anything pending in my account. It was this point I determined that during the initial application process they must have only been asking what my purpose was for applying for the card. So while I created an account and activating my card, I went through the process of doing a balance on their website. During the balance transfer process it was stated that the maximum amount I could transfer was {$8100.00} and that would include the balance transfer fee. So I initiated a XXXX balance transfer from XXXX Bank XXXX Discover Bank. I logged into my XXXX account the yesterday and noticed I had a negative {$6500.00} balance. Just this morning I reached out to Discover to find out what the issue was. And now this morning I noticed in my account that the first balance transfer when I applied for the card on XX/XX/XXXX posted on XX/XX/XXXX and this was 100 % not listed in my account on XX/XX/XXXX or else I wouldn't have done the second balance transfer. Discover told me I need to talk to XXXX to request a refund and they will not and absolutely can not refund the second balance transfer fee. This is absolutely their fault and I should be refunded this money. They misled me and delayed the process to get 2 transfer fees. The fees were {$220.00} and {$230.00} respectively. The second balance transfer posted in 2 days but the first posted 15 days later? That makes no sense. Even if there was a delay in the first balance transfer process, they did not directly indicate this to the customer. They are telling me they absolutely can't refund a balance transfer fee even though this was their mistake. If they can't refund my balance transfer fee then they can certainly give me a credit for the same amount. I will not be a customer of Discover any longer, if they don't fix their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/17 I was in a terrible car accident after being rear ended by another vehicle. My loan company was with XXXX XXXX XXXX XXXX. The person that hit my car from behind insurance company ( XXXX  ) seemed my car totaled, I also had GAP insurance. I had the car towed to a mechanic and XXXX XXXX corresponded with XXXX XXXX, I paid for the GAP insurance through XXXX XXXX as well. After the car was totaled I never saw the vehicle again. XXXX XXXX was Paid by XXXX XXXX, XXXX XXXX had all of my GAP information. This car is being reported on All three credit reports as a repossessed car. I have appealed this account through XXXX, XXXX and Experian and they arent even contacting XXXX XXXX XXXX XXXX because I receive updates like two days later saying investigations complete. Please help. I want XXXX XXXX XXXX XXXX   reported on my credit as paid in full because two different insurance companies paid them.
Product: Checking or savings account

I had my account with Citibank for last 2o years and they froze my account with any communication for " Know your customer '' Policy. I did not know my account got frozen until two of my payment got rejected for account frozen. When I called Citibank they said that my wife DOB and SSN was missing and they have to froze. My wife had a citiobank credit card account opened two months back in Citibank and they should have it already, if noy they should contact her or send letters stating that they are going to freeze our account. No communication from their side, more over when I login to my account, I did see the account active without any frozen status for last one week. They should inform customer and also they should update the account status for online customer. I have to pay fine to my vendors for missing payments and they might affect my credit score when I am planning to do a refinance for my business property with another back. When called Citibank they said they will document this to their client experience team. I believe its not right to freeze my account without letting me know.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX XXXXXXXX : I am no longer liable for this account. XXXX XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : My account is not included in my bankruptcy and I have agreed to pay this account, account reaffirmed. XXXX XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account. XXXX : I am no longer liable for this account. XXXX XXXX : I am no longer liable for this account.
Product: Money transfer, virtual currency, or money service

Transferred rent money from my bank to my lawyer thru the company XXXX but his account wasnt working so I had them put it back to my XXXX account. When I thought I could transfer the funds back to my bank account my account was frozen and I was given an email stating I wasnt going to be getting any of my money back because it was there policy in fine print you arent allowed to transfer funds back to your own bank which I didnt know. They are stating they are creating an investigation because I had a prior account with fraud in it which I reported to my bank and they are now stating I owe them for that but I dont because it was fraud nd ruled by my bank. I tried to explain the situation to them but they are not giving me any information.
Product: Debt collection

On XX/XX/2024, a debt collection suddenly appeared on my credit report, which I have no knowledge of. The collection agency is called XXXX XXXX XXXX XXXX The original creditor name is XXXX XXXX XXXX. I have no knowledge of this account, as I looked it up, I see that it is an apartment or rental property, that I have never lived nor applied to in my life. I have never received any sort of bill or notice from this company, nor have I received any sort of communication from them. I only became aware of this account once I saw it on my credit report. I have tried to dispute it with no success.
Product: Debt collection

XXXX/XXXX/2018 I received a letter from a company who identified themselves as a law firm on the letter that was addressed to me. However when I called them to discuss the letter that I received they later identified themselves as a debt collector. The debt that they are referring to is a debt that does not belong to me, nor does it appear on my credit report. I never had a medical bill with the hospital noted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX I contacted your company informed you guys that it was personal information on my report that did not belong to me you told me submit FTC report okay so I have attached that to this complaint I really need you guys to remove this inaccurate information for me thanks These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report.

Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please promptly remove all other names in addresses these other forms of my name in address are not correct historical data.Therefore, They must be removed please send me update showing address deleted thanks
Product: Credit card or prepaid card

I received a request from Discover Card of which I have been an account holder for over 15 years ( account ending XXXX ) for my IRS federal tax returns, for no apparent reasons. Discover disabled my online access making it difficult to continue making payments. I refused to provide them with my very confidential and sensitive personal tax returns because it is illegal, and they could not come up with any valid reason other than verifying my name and address, which I told them could have been verified by DMV records or any other records, but not IRS. Credit card company has no right to request my taxpayer information if I did not request a new account, credit limit increase, I was never on default, I was never over the credit limit. I have excellent standing with Discover, and after I refused to provide this extremely sensitive personal information such as a person 's tax returns, Discover closed my account. Nowhere in my card agreement it stated that credit card company can request your tax return information. Is it even legal for Discover or any other credit card company to do it after they already granted me credit over 15 years ago and I maintained spotless credit standing with them????
Product: Debt collection

Spring Oaks Capital LLC contacted my mother and my sister-in-law about this alleged debt and the contents and threatened them in order to try and get my contact information from them. I have never received a validation of this debt or any notice of debt from Spring Oaks Capital LLC nor have I ever heard of this debt collection company. I have never been provided any change to dispute this alleged debt due in the amount of {$920.00} which is a violation of my FCRA rights. I do not recognize this debt nor do I owe this debt. It is illegal to contact third parties about debt owed or to threaten people about an alleged debt if they don't give you someone's contact information. It is also fraudulent to put a collection on someone's credit report without any proper notice of debt or validation of allegedly owing said debt.
Product: Credit reporting or other personal consumer reports

This is my 5th 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 Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : - XXXX XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX MORTGAGE XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Inaccurate account on credit bureaus : XXXX XXXX XXXX XXXX account : XXXX To : XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX, To : Equifax & To : XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see with my own eyes - Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed some items on my credit file, that were unrecognizable/invalidated and Equifax claims that to have verified the items with the original creditor, I was given no documentation or solid evidence of my obligation as owning this debt to these creditors, by the original creditors or Equifax, yet somehow they claim to have verfied the items. I have notifed Equifax that these items look unrecognizable/invalid on my credit report, I have every right to believe this debt is not mine, and to ask them to validate the debt. My person information was leaked in the 2017 Equifax data breach and may have gotten into the hands of the wrong person, I have done my own research and have documentation.
Product: Student loan

According to the XXXX XXXX ( XXXX ) Forgiveness, If you repay your loans under an XXXX plan, any remaining balance on your student loans will be forgiven after you make a certain number of payments over 20 years, qualify for including full loan forgiveness. 
I have an XXXX XXXX XXXX Loan that qualifies since is undergraduate degree and has been more than 20 years, it is actually for 26 YEARS SINCE XXXX. 
The loan was in XXXX  and consolidated 2 years later. The loan qualifies for total and full loan forgiveness. It is a total of {$26000.00} ( the original amount was {$11000.00}. 
The loan services is AidAdvantage XXXX XXXX XXXX XXXX XXXX XXXX VA, XXXX ( XXXX ) XXXX