23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is the third complaint I have had to file with the CFPB against Flagstar Mortgage Company. Two late fees in the amount of {$90.00} were assessed and were reversed. Flagstar agreed to reverse the late fees due to their error in placing a stop payment on funds they withheld from me from my insurance company to cover costs of major water damage. However, when I refinanced and Flagstar calculated my payoff, Flagstar applied the two late fees once again and charged me {$180.00}.

Due to the interest Flagstar charged me for my loan, the interest calculated at the same interest rate from withholding the {$39000.00} for six months should be reimbursed to me. Attached is a calculation of {$440.00}. 

The funds in my escrow account as of XX/XX/2021, at the time the loan was paid off was {$3000.00}. This needs to be refunded to me immediately. Flagstar is currently involved in a class action lawsuit regarding interest on escrow, further demonstrating the fraudulent practices of their company. 
http : //www.flagstar-interest-on-escrow-class-action.com
Product: Credit reporting or other personal consumer reports

am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/year>. I have attached a copy of the identity theft police report to this complaint.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Vice President Customer Experience and Executive Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX RE : Loan Number : XXXX SLSs failure/refusal to honor requests to correct errors and omissions Dear MrsXXXX XXXX XXXX XXXX, You said you understanding how we all must work together to deliver a seamless experience to our mortgage servicing clients. Will SLS/you please join a veteran and his wife in their seventies to end a year long fight to get SLS to verify the accuracy of claimed shortages and correct all/errors and omissions in the next 30 days listed below to make the borrower whole? 
1- Made false claims XXXX XXXX reduced the borrowers escrow, not true SLS reduced said escrow and refunded escrow funds as a surplus payments causing an excessive shortage in the borrowers escrow after servicing was transferred to SLS. 
2- SLS XX/XX/XXXX statement showed a {$19000.00} in XXXX of XXXX statement showed {$10000.00} neither of which have been verified. Please provide bills/cancelled check to verify the accuracy of any/all shortages and/or reductions, include analysis from XX/XX/XXXX till XX/XX/XXXX for XXXX and XXXX with end of the year balances for each year. 
3- SLS failure/refusal to honor the borrowers May request to place a stay on all payments, changes in payments, late fees, credit reporting and foreclosure action and more until all funds were reapply to escrow 4- SLS unlawfully used inaccurate shortage of {$17000.00} down to {$12000.00} from XX/XX/XXXX till XXXX, illegally changing the borrowers payment monthly to apparently give the impression all funds had been transferred in 30 days. The last funds were reapplied to correct the shorta and after the XX/XX/XXXX analysis the XX/XX/XXXX payment showed an accurate shortage of {$10000.00} for the first time, but its accuracy still has not been verified. 
5-SLS willful and wanton failed to reapply all funds in a timely manner, knowing conducted illegal/inaccurate monthly spreads every 30 days for three months, changing the borrower payment each month giving the appearance all funds had been transferred, then took the borrowers XXXX payment causing the borrowers account to remain delinquent.
Product: Debt collection

After many attempts to coordinate billing efforts with XXXX XXXX Hospital I  have called in to ask repeatedly, multiple times per year - for MANY YEARS - to assure that I have paid ALL of my bills, as XXXX/XXXX Hospital ( they used to be separate but now the have merged ) - this entity has a lengthy history of NOT notifying Patients/Clients/Customers of their bills, providing incomplete statements, providing services from unauthorized individuals ( read : blacklisted 'doctors ' who should be barred ), and fragmenting accounts, making it virtually impossible for Patients/Clients/Customers to pay bills in a sincere, deterministic, and reliable manner. This is one of MANY instances where I received a past due, or in this specific case a COLLECTIONS letter on an account after repeatedly calling in and doing a full accounting, requesting clarity of accounts and any/all bills due for my wife, my children, and myself. 

I am so sick of this - its just plain wrong. This has been going on for years!!! I have near perfect credit and that takes hard work and mindful presence. The processes of these companies violate this on that level ... 

Specifically, for THIS complaint I was NEVER notified of ANY due/bill/charge for the service reflected in the attachment, [ XXXX XXXX HOSPITAL account number XXXX dated activity XX/XX/2017 balance {$10.00} ] - This was apparently provided for my daughter in XX/XX/2017, which also seem to be a very short period of time to go into a collections process ... I would have thought maybe 90 days after a KNOWN bill, or 6 months after something like this - but it has not even been that long, its just more random awkward incorrect unprofessionalism. 

I am confident that someone from the CFPB can look into this and apply a corrective action to prevent, or at least minimize this from happening in the future. 

In addition I will be opening another complaint specifically again XXXX   hospital for their inconsistent charges, whereas they provide services to Patients/Clients/Customers at one of their own 'owned/affiliated ' facilities for one price, and the same services at another, often for 3 to 4 times the cost - for the exact same service. 

Thank You.
Product: Credit card

I initiated a dispute regarding this account with the credit bureaus, and it was subsequently verified. This verification process has significantly impacted me, and I am now requesting direct from you, as the reporting entity, documents or evidence substantiating the accuracy of this charge-off report.

I am specifically requesting documentation beyond a simple billing statement evidence that conclusively proves the account 's status and my association with said charge-off I am writing to challenge the reporting of a charge-off account that I believe has been inaccurately reported under my name. 
Account Details : AMEX Account Number : XXXX Reason : Under 15 U.S. Code 1681 ( a ) ( 4 ) Consumer Right to Privacy Instruction : If you can not provide a 1099c as this account is written off, Then please delete it.
Product: Debt collection

My Last complaint to this company XXXX did not report any findings regarding the debt they are trying to collect on. Under the law they have not provided any verifiable details stating that this debt in fact mine. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of identity Fraud 3. Violations of the Fair Credit Reporting Act. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXXXXXX ET Submitted wire transfer for {$56000.00}. Wire status went from " requested '' to " reviewing '' later that day. 

XX/XX/2024 @ XXXX ET Called customer service to check status. 
Status of wire changed from " reviewing '' to " processing '' at approximately XXXX XXXX with an XXXX XXXX XXXX XXXX according to the " Status Tracker ''. Funds left my savings account. 

XX/XX/2024 @ XXXX ET Called customer service to check status. Was told funds were waiting for the Federal Reserve to complete the wire. Asked for written proof, but was told Ally can not provide a statement. Was assured the wire would be completed by XXXX ET. 

XX/XX/2024 XXXX ET Called customer service XXXX was told that funds were delivered. Checked the wire transfer status, it was not complete and funds were not delivered. 
XXXX ET Called customer service XXXX was told that the wire was being reviewed and would be processed in the order it was received. Asked to speak to supervisor. Waited on hold for about an hour and the call was disconnected. 
XXXX ET Called customer service XXXX was told the wire is in process, but they are backed up. Spoke to a supervisor. Was told I would receive a letter stating the reason for the delay and proof of the wire to give to the title company. Was also told customer service would call me back with an update. 
XXXX XXXX XXXX letter and no call back, so I am submitting this complaint. The wire still has not been completed and has been " processing '' for over 48 hours.
Product: Credit card or prepaid card

I lost my wallet & havent made any transactions off the card when there was transactions made on it that I had no knowledge of & I communicate that to the card services.
Product: Credit reporting or other personal consumer reports

I previously sent a letter requesting a reinvestigation of the disputed accounts on my credit report, along with a request to update these accounts during the investigation period. Despite this, I have not received a response to my request as of today 's date. 
XXXX XXXX  XXXX Balance : {$620.00} TXXXX XXXXXXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX Balance : {$900.00} XXXX  XXXX Balance : {$550.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$620.00} XXXX XXXXXXXX Balance : {$580.00} XXXX  XXXX Balance : {$550.00} XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00}
Product: Student loan

I work for the XXXX XXXX XXXX XXXX. I have been repaying Parent Plus Loans since XX/XX/XXXX that were taken for my XXXX daughters to attend college. How FAFSA works you only receive funds/loans per year per child.. I applied for Public Service Student Loan Forgiveness after 10 years of being employed by a XXXX XXXX XXXX XXXX and applied for loan forgiveness in XX/XX/XXXX. My application was denied because the loan company stated since I consolidated the loans in XX/XX/XXXX ( at their suggestion after I asked them how might I make it easier for with how FAFSA and Parent Plus works -- you incur loans per child per year and I was making about 6 to 7 payments writing 6 or 7 checks every month for the loans I might add ) that I did not have the qualifying 120 payments and that my " forgiveness '' would take place AFTER making the payments from XX/XX/XXXX, and at that point my loan would be paid off, and I would receive zero forgiveness. I asked if there was an appeal to this as I was misinformed when the suggestion was made by XXXX XXXX to consolidate multiple loans that I had incurred as a parent. I am upset and frustrated and am being denied what I am entitled under the federal Loan forgiveness act because of some " technicality '' they imposed.
Product: Debt collection

This was a consumer transaction Title 15 subsection 16.11 False and misleading denial of my own credit Title USC 1692c ( c ) If a consumer notifies a debt collector that the consumer refuses to pay a debt the debt collector must cease all communication
Product: Debt collection

I owed {$19.00} and was kicked out of my apartment in XX/XX/year>. They charged me a thousand donates a month until XXXX. They also charged me for my deposit instead of returning. I wasn't the only signer on lease. They had me sign the wrong lease to begin with. I never signed the lease for where they say the debt occurred. I have emails, documents and screenshots to verify this. I have tried multiple times in the past XXXX months to get ahold of the debt collectors to discuss this. Have sent them the emails and documents showing this. In XXXX of XXXX they also sent the lease back to my insurance agent ( same month I was kicked out ) stating they were to cover fees from my pet saying I didn't pay that deposit either. They will not answer my phone calls or emails. This has been on my credit almost XXXX  years. It's keeping me from being able to get any financial help for me or my business because of my personal credit having this negative charge of almost {$4000.00}. For owing {$19.00} from XXXX. Which again, I have proof of all this and sent it to them to no avail. The company is NationalCreditSystems
Product: Credit reporting or other personal consumer reports

consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

LIST OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XX/XX/XXXX is the original collection date. It is XX/XX/XXXX. The item should no longer be on my reports. I received a letter from Santander that was issuing a refund due to file review. Santander was the original creditor. This debt should be discharged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others checked my cedit
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with CBXXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and CBXXXX with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

The credit Bureaus claim to have somehow verified erroneous information ; therefore, I legally requested a description of the procedures used to verify this information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, I attempted to transfer funds to my husbands paypal account. I was immediately met with an alert that said my account was suspended and to check my email for further info. The email asked me to send my drivers license and a picture of me holding the same license. I called and asked for explanation l. The custimer service reps simply saifld they cant help and the correct department can only be reached through email. I responded to the email asking for my funds to be released. They then asked me for ANOTHER picture of my license and a bank statement. I sent those 2 but expressed how uncomfortable I was sending this personal info to someone I cant talk to. I called customer service back 5 times only to be told I have to wait for a response from " the servixellce department '' they only respond via email. They still gave no reason for the freeze and I can not even trabsfer my $ XXXX out of Venmo to be safe in my bank account.
Product: Credit card or prepaid card

1. I received an unexpected debit card from Western Union NETSPEND. I called XXXX XXXX XXXX department to cancel this card, but NETSPEND is other branch than the XXXX XXXX. 
2. I called the NETSPEND to cancel this account, but no customer service was provided to cancel this card. And the only option is to active this card. 
3. I want to file a complain to NETSPEND for 1 ) sending me unexpected debit card which I have never applied and 2 ) the customer service XXXX has no option to contact a real agent or cancel/close an account.
Product: Debt collection

I am contacting you to request the prompt removal of the following accounts and associated information from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this constitutes a clear violation of the FDCPA and FCRA. I insist on their immediate deletion to rectify this legal infringement. Please remove these accounts and information without delay.
Product: Debt collection

This was an original that with Capital One, it was a case of Identity theft. Valid the account was opened illegally and its not valid. Was sold many times over to collection agencies. I have been unable to remove this from my credit report for the last XXXX years. I have had collection agencies attempt to collect a debt that has never been confirmed! I have requested confirmation of debt none has ever been given!
Product: Consumer Loan

I opened a 12 month-no interest loan for items with XXXX through Wells Fargo Bank on XX/XX/XXXX. No interest monthly amount is {$240.00}. On XXXX or there about, I made a telephone payment including a a late fee totaling {$260.00}. Today while looking at my statement I noticed that my new balance is {$910.00}. XX/XX/XXXX should have been the 12th and final payment. The customer rep, after much time on hold, informed me that when I made my payment via telephone in XX/XX/XXXX, that I gave them the wrong checking account number at that time. Since I was never notified that the wrong checking account number was submitted ( whether by them or me ), I had no idea a payment was not made until today when I spoke to the account rep, who also told me that Wells Fargo in not legally obligated to tell me that the payment method was in error ( until today in explaining how they can charge me over {$600.00} additional interest in addition to the XXXX payment, if I were to pay the account in full ). Interest will now continue to accrue. Additionally, the statement is and has always been sent with a minimum amount due of {$100.00}, with no mention of the {$240.00} no interest payment, with the exception on my payment made the previous month in that amount, interest amounts and charges, etc. i.e. the statement is extremely confusing. My complaint is that Wells Fargo should have notified me immediately that the payment was entered in error when made by telephone. This leaves only two scenarios by Wells Fargo. 1. Intentionally holding the fact that my checking account number did not go through and payment was not made. Or 2. Not giving this information to me regarding the incorrect checking account number for payment until I asked seven months later when/until I asked.
Product: Bank account or service

1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am formally disputing the XXXX XXXX account on my credit report, as it contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and incorrect reporting that is negatively affecting my credit profile. 

Violations of the FCRA : FCRA 1681s-2 ( a ) : Duty of Furnishers to Provide Accurate Information The account is being reported with inaccuracies, including date account opened and balance amount also payment history not showing correct info. 
The furnisher is legally obligated to report only accurate and complete information. 
FCRA 1681i ( a ) : Duty to Reinvestigate Disputed Information If Experian has previously verified this incorrect information, I demand proof of proper verification, including a detailed explanation of your investigation process. 
FCRA 1681e ( b ) : Failure to Maintain Reasonable Procedures Experian is required to have reasonable procedures to ensure accuracy. However, this continued misreporting suggests negligence and failure to comply with federal law. 
FCRA 1681n and 1681o : Civil Liability for Willful and Negligent Noncompliance If this matter is not corrected immediately, I will consider legal action for damages caused by this reckless disregard of my consumer rights. 
Immediate Actions Required : Delete or correct the XXXX XXXX account within 30 days as required by law. 
Provide me with written confirmation of this correction. 
If you fail to act, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General, as well as pursue legal action for statutory damages. 
This letter serves as my final notice before escalating this matter legally. I expect an immediate and appropriate response. 

Sincerely XXXX XXXX