23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Unfortunately, we still have not received a response to our letter dated XXXX related to the {$18000.00} Adjustment Misc-Suspense added on XXXX in our XX/XX/XXXX statement balance. As a customer of Mr. Cooper we have a right to know what is being credited and debited to our mortgage account. Adjustment Misc-Suspense is not an adequate accounting classification for a credit added to a customers account without providing supporting documentation. Does it relate to taxes paid, does it relate to legal fees, other expenses or future tax estimates? Whatever it relates to is what should be reflected as the description in our statement. We have been requesting supporting documentation for this $ XXXX adjustment since XX/XX/XXXX and are requesting our statement be revised to reflect the actual nature of this {$18000.00} charge. As previously mentioned, this credit to our XX/XX/XXXX statement directly resulted in XXXX XXXX losing the $ XXXX in CA mortgage assistance he needed to save his family home. If this credit was ( 1 ) properly classified by Mr. Cooper on the XX/XX/XXXX statement and ( 2 ) timely and properly communicated to XXXX XXXX or his lawyer XXXX XXXX after various requests, XXXX XXXX might have had a chance to appeal the CA mortgage assistance denial. Now in XXXX, Mr Cooper has tried to foreclose on our home with Auction dates as early as XX/XX/XXXX. XXXX was forced into XXXX Bankruptcy in XX/XX/XXXX in effort to save his home from foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

Chase Cardmember Services appears to be withholding the refund of {$750.00}. 

XX/XX/2020 flight in the amount of {$750.00} was purchased through XX/XX/XXXX using credit card ending in XXXX. Flight was cancelled due to Covid-19. 
Charge was disputed via Chase online. 

XX/XX/2020 - Chase notice re : carrier contesting the dispute, and to submit additional information by XX/XX/2020 if consumer wishes to continue the process. 

XX/XX/2020 - Consumer submitted additional information via fax. 

XX/XX/2020 - Chase notice closing the dispute and determining consumer is liable for the charge. 

XX/XX/2020 - Notice from XXXX that refund has been processed, but that it is up to the credit card company, Chase, to determine when the refund will actually be received. 

See attached documents for details.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/2023 Dear Equifax, I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. 

The amounts owed are no longer outstanding for the following items : Party Owed : XXXX XXXX  XXXX : {$690.00} Account : XXXX Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX Party Owed : XXXX XXXX XXXX : {$0.00} Account : XXXX I am disputing this claim due to : I have no knowledge of this account. It is fraudulent and I am requesting that it be removed immediately. This is my official request to have the aforementioned item to be deleted off my credit report. 

SSN : XXXX
Product: Debt collection

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under AFNI Inc . I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me. Therefore on XX/XX/XXXX I sent a 2nd validation letter. Credit report was reviewed again on XX/XX/XXXX and still there were no updates to reflect that account was being disputed and no validation was received therefore I sent a dispute direct to all 3 credit bureaus.Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Mortgage

This is an addendum to the case I previously submitted on XX/XX/XXXX. 

I called Wells Fargo again on XX/XX/XXXX at XXXX XXXX and spoke to someone in the Executive Office, XXXX XXXX to request to speak to the supervisor for XXXX XXXX. The name of the supervisor is XXXX XXXX. She did not return my call on XX/XX/XXXX and I called XXXX XXXX again at XXXX XXXX and was put on 20 minutes hold while he researched why my account online is not showing as current. 

He then told me that this account needs to be reviewed - basically invalidating the letter that they sent me on XX/XX/XXXX indicating that the deferment was approved and the account should be brought current. 

He then told me that he can not speak to me because I am in active bankruptcy case and can not speak without my attorney 's permission. I told him that I have the consent on file - A consent from my attorney 's office was faxed to Wells Fargo on XX/XX/XXXX ( please see attachment ) which was why they were able to have multiple phone convsersation with me to discuss the case on the phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX. Mr. XXXX is now saying that all those conversations were not supposed to happen and he will submit the case for further review but can not discuss the case with me further even though I told him I have the consent letter from my attorney which I can send to him and he declined that and his supervisor all refused to speak to me. 

Wells Fargo Mortgage needs to be investigated for breaking rules and for their incompetency. Their goal is to set up barrier for home owners that so that they can foreclose my home. They should be investigated for misrepresenting themselves as evidenced by previous recorded phone calls and written correspondence that the deferment has been resolved.
Product: Credit reporting or other personal consumer reports

This debt listed with Amsher Collection Services , Inc. is a duplicate entry for the same debt The XXXX XXXX and XXXX XXXX XXXX previously listed on all my credit reports with all credit bureaus. I have made several attempts over the past several days via telephone for Amsher Collection Services , Inc. to verify proof that I used the services provided by XXXX. I have requested Amsher Collection Services to provide me with the original purchase agreement of this alleged debt by proof that I used the service by providing me with twelve ( 12 ) months of billing statements showing I used the services, all to no avail. The response I received was That information is not available at this time. I have requested this information via certified mail on XX/XX/ and I still do not have the information I have requested. Per the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for any and all documentation of the alleged debt and If they don't, they're in violation of the act. If they can not provide the original purchase agreement of this alleged debt between myself and XXXX, they must delete this entry on all of my credit reports with XXXX, XXXX and XXXX.
Product: Mortgage

Since XX/XX/XXXX I have been paying home insurance ( XXXX XXXX ) and also paying escrow to my mortgage company ..XXXX sold my mortage to PHH XX/XX/XXXX.I have ask numerous times to be refunded and then was told the case was closed and they would only pay for 2 back years totaling {$5000.00}. Now they have left it up to me to fight the Insurance company XXXX ( XXXX ) whom they use. XXXX XXXX has records of my payment and there paying the mortage company also>I have since asked to be de escrowed told I wasn't eligible. after turning them over to the NCDOJ they are now looking into it again. 
My mortage payment is around {$460.00} my insurance ( escrow ) is  {$430.00} big problem here. I want to be de escrowed and my over payments returned..by whomever is responsible. 
I have had numerous conversations and get the run around each time and someone different each time. Thank you for any help.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I received a letter from Bankers Healthcare Group XXXX regarding a potential loan offer, I inquired what the interest rates were and they would not tell me. I told them I wasn't interested in applying for a loan if I didn't know what the interest rate ranges were. 

On XX/XX/XXXX, I received a letter saying my application was denied and they pulled my credit report with the reason being an incomplete application. I never submitted an application, and never authorized them to pull my credit report without telling me what the potential rates could be.
Product: Credit reporting or other personal consumer reports

I recently a reviewed a copy of my credit report and noticed it had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

I made a payment using the capital one credit card app and didnt realize i didnt have the correct amount of funds in my bank account. It was then subsequently late. When making the late payment that was due, i encontered an error measage in my app when i set up my payment and went to slide to pay. I didnt get a confirmation of payment so i went ahead and restarted the process and it went threw. When i woke up the next day to check my account i noticed that both payments went threw and bounced because i only had the money for one payment. They closed my account and made put a serious dent on my credit!
Product: Debt collection

This company has been calling repeatedly daily ( 4x today and I have spoken with them 4 times ) and called my husband, my mother and my father today and left voicemails with each of them. They are threatening that they are filing a case against me and going to send the sherriff to my job and home. XXXX told me I would not be able to purchase a home or car in the future due to this. I know this is not true and know it is harassment. The phone number they are calling from is XXXX
Product: Checking or savings account

I had a total of 3 ACH deposits that were supposed to be in my account during their system outage. 1 deposit was finally available in my account yesterday however the 2nd deposit from that same date of posting is missing along with the third deposit that was suppose to be available on the 20th. All Capital One could do is enter a claim to locate the funds and saying this could take up to 45 business days but rest assured we have escalated it and will do our best to give an update by 10 business days. 

Claim # XXXX & XXXX were provided.
Product: Student loan

I build up a staggering debt both on private and federal loans pursing a XXXX at an XXXX University school XXXX. Unfortunately many things happened in my life and I could not pursue XXXX resulting in the default of the loans with XXXX and XXXXl loan companies. I can not afford to pay on any of the loans with my part time XXXX as an XXXX. The loans are in default and they are suing me in both civil and supreme court in XXXX New York.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX received an alert from my credit monitoring application that indicated a hard inquiry was pulled on my credit report. At no point, have I authorized this credit inquiry. I have been dealing with a lot of identity theft issues and been working hard to clean up my report to ensure no unusual activities. This morning on XX/XX/XXXX XXXX  has pulled my credit. I can attest that this was not authorized nor was this done by me.

I kindly request to please have this deleted from credit profile. 
XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

MY NAME IS! XXXX XXXX, MY DEBIT CARD NUMBER XXXX XXXX XXXX XXXX, VALID THRU:XXXX, CAN YOU CHECK MY SSI PAYMENTS TO MY CARD! XXXX thru the XX/XX/XXXX in the amount of {$760.00}! ssi number:XXXX,XX/XX/XXXX, Address:XXXX XXXX XXXX XXXX, XXXX, La XXXX! Phone Number:XXXX
Product: Bank account or service

I opened a Citigold account last year. I still have not got any promotional offer from them. I have sent them a message after I opened this account. It takes forever. 


Account Number : Interest Checking XXXX Subject : Re : Promotional Offer Reference : XXXX Dear XXXX XXXX, Hello, good afternoon, and welcome to Citibank Online messaging, my name is XXXX. Thank you for your message regarding your promotion requirements. I will be happy to confirm this for you. 
In review of your account, I can confirm our requirements for XXXX are satisfied for this promotion, as you had mentioned. 
Summary of Required Behaviors : XXXX AA Miles Open a new Regular Checking account in the Citigold Account Package by XXXX/XXXX/XXXX. 
Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card, which must be posted to the new checking account. 
One qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 
Now that you have met the requirements and the account review is completed as eligible, Citibank will credit the AAdvantage bonus miles to your AAdvantage account, within 90 days from the end of the statement period in which the completed offer requirements. The last requirement met is dated XXXX/XXXX/XXXX and our 90 day requirement will begin from the XX/XX/XXXX statement. You should receive your reward incentives no later than your XX/XX/XXXX statement. 
Here at Citi, we take pride in finding solutions for your financial needs, and I am pleased to have provided your requirements confirmation and timeframe of expected incentives. 
I invite you to share your opinions about the service you received. Please click the link below to take a short survey on your contact experience. You will need the reference number listed above to complete your feedback. 
Send Your Opinions Thank you for choosing Citigold. Have a great rest of the week, XXXX XXXX. 
Citigold Services at XXXX. Internationally, you can call us collect at XXXX. TDD/TTY Service is available at ( XXXX ) XXXX. We are available to assist you 24 hours a day, 7 days a week. We appreciate your business and the opportunity to serve you. 
Sincerely, XXXX XXXX Citigold Customer Service Citigold is a service of Citibank NA, which provides banking services CIN : XXXX
Product: Mortgage

I would like to talk to someone about my lender, XXXX XXXX. Who has n't been answering my phone calls and gave me a false rate on my mortgage.
Product: Credit card

American Express is not allowing me to make payments to my account. When I have asked why, I have been told XXXX separate things by different chat representatives:1. That there is a thirty day hold after you make your first payment from a new bank account. This is not true, because I have made XXXX payments so far from that account. 
2. That you can only make a payment up to your current statement balance. This is not true, because I have already made a larger payment than my current statement balance. 
3. That the system sometimes will not allow payments but there 's no reason to explain why. 

I am disappointed that these XXXX explanations contradict each other, and that none of these were explained in my cardmember agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX  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 XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX  IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I file a dispute, with experian for the XXXX time, for a XXXX closed account. for errors with dates, payment history. The removel XXXX XXXX XXXXXXXX account to be removed off credit report was wrong also. So i recieved, dispute results XX/XX/XXXX and again for the XXXX time nothing was changed. the same information updated. And a - XXXX point drop, with experian on my credit report. This is not correct.
Product: Vehicle loan or lease

I am filing this complaint due to Volkswagen Credits failure to properly handle my loan payoff and XXXX insurance claim, their dishonest attempt to inflate my vehicle valuation, and their complete lack of responsiveness to customer inquiries. 

I financed a XXXX XXXX XXXX XXXX Premium through VW Credit and purchased XXXX coverage through the loan. After my vehicle was totaled in an accident ( accident was XX/XX/XXXX, totaled XXXX ), Volkswagen Credits mishandling of the settlement process caused months of unnecessary delays, financial burden, and administrative frustration. 

XXXX. Failure to XXXX XXXX XXXX XXXX Volkswagen Credit originally told me they would handle my GAP claim since it was purchased through them. 
Two months later ( XX/XX/XXXX ), I received a letter stating I had to handle the claim myself. 
Upon contacting VW Credit, I discovered that they never filed the claim at all. 
As a result, I have been forced to collect multiple documents from my dealer, insurance provider, and VW Creditdocuments that VW Credit should have submitted themselves. 

2. Misrepresentation of My Vehicles Value My insurance company provided a fair valuation of my totaled vehicle, which was above XXXX value. 
VW Credit rejected the valuation and attempted to extract additional funds from my insurance by falsely claiming my vehicle had a special towing system. 
No such towing package exists on the XXXX XXXX XXXX XXXX. This delayed the settlement process by two months. 

3. Continued Loan Payment Requests After the Car Was Totaled Even after my vehicle was declared a total loss and I signed over the title, VW Credit continued to demand loan payments. 
They failed to process the loan payoff in a timely manner, causing additional financial stress. 
A lienholder should not be demanding payments after the vehicle has been totaled and the title has been transferred. 

4. Lack of Responsiveness Over the past two months, I have repeatedly tried to contact VW Credit via phone, email, and online messages. 
They do not answer their phones or respond to messages. 
As a financial institution, their failure to communicate regarding a loan payoff and XXXX claim is completely unacceptable.
Product: Debt collection

On XXXX XXXX, I had disputed this debt with XXXX it was a debt that was never verified. XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX had also attempted to collect this debt. XXXX had deleted both of these off of my credit report, see attached copies. Nationwide Recovery Systems, never sent me a written notice of the debt. The only way that I was able to find out is, I have XXXX XXXX and they showed the debt, on my credit report. I am sending this complaint because they never verified the debt. Please find copies attached, I would like to know how a collection agency without verification can show an account unpaid and in collection. XXXX XXXX XXXX XXXX, was the 2nd collection agency the first was XXXX XXXX XXXX XXXX. And both of the collection agencies had different amounts. Nationwide Recovery Systems is the 3rd collection agency that has attempted to collect the debt, and they to had a different amount. This is associated with CFPB ID # XXXX