23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

my checking account with bank of america was flagged as fraudulent after depositing a check from the XXXX XXXX i filed a dispute and the matter was resolved. however after a year the same report stating suspected fraudulent activity appeared on my consumer report once more. i contacted bank of america all they did was tell me to file another dispute. even though i asked why they put this on my account they wouldnt give me an answer.
Product: Debt collection

When I pulled my credit after getting denied for a loan inXX/XX/XXXX, I noticed that there was a collection on my credit that I was not aware of and have never received any information pertaining to this debt or the opportunity to dispute and or validate prior to XX/XX/XXXX. I filed a dispute with all three credit bureaus asking for validation of the debt. On XX/XX/XXXX I received a letter stating that they received a letter of dispute but that the dispute was lacking any specific information to conduct an investigation. I attempted XXXX more times through the credit bureaus and each time it come back validated but no information was giving as to how it was validated as well as what documentation was use to validate this account. On XX/XX/XXXX I sent a letter via certified mail to this company asking for specific information regarding the validity of this account and again I received another letter stating the same information that they received a letter of dispute and was lacking any specific facts when the letter listed asked for specific information. This company has had almost XXXX months to provide me some type of information to validate this debt and has not provided me with anything. Their lack of cooperation is causing a serious hardship to my financial situation and a violation of the Fair Credit Reporting Act. I have attached the letter that have been sent, the one that is addressed to XXXX was sent to the other bureaus addressed accordingly but this is to show what was sent showing that I asked for physical proof.
Product: Checking or savings account

On XXXX XXXX there was a total of XXXX unauthorized transactions on my account XXXX from XXXX and two from bed bath and beyond this day I was working at XXXX XXXX I called immediately after my card got declined and an error was made in my claim stating XXXX transactions were unauthorized which makes my claim inaccurate two days after filling the claim I get an email stating my cliam has  been resolved and that the transactions were VALID because I logged in to my account the on XXXX XXXX XXXX XXXX and XXXX but the TRANSACTIONS I WAS CLAIMING WERE DONE ON THE XXXX now they are refusing to open my claim even though I informed them of the error all they tell me is I have to provide proof to be abe to re open the claim but when I ask if my schedule is suuficent the rep says whatever I think is evidence is enough but then refuses to actually re open the claim saying I need to send in evidence showing I wasnt there on that day I asked if my schedule was enough again this time she said no because I would have to prove I was actually there and that it was my job to monitor my account. I have never wasted this much money at a store before especially not XXXX or bed bath & beyond and i never got a alert to my phone to authorize the transactions the card that was being used was not even mine because my card has a chip on it whoever copied my card had to of copied the back side of my card and cloned my card because I was working that day XXXX never intended for the rep to add XXXX extra transactions that were authorized which in turn got my claim denied
Product: Credit card

My complaint is against XXXX and Synchrony Bank regarding the reallocation of payment made on XXXX XXXX, I completed a payment of {$600.00}, which they applied XXXX to my regular account and XXXX to my promotional account. I receive a reminder email from XXXX, letting me know that my promotional balance needs to be paid in full by XX/XX/XXXX. I called XXXX on XX/XX/XXXX, and requested to reallocate my XXXX payment of {$600.00}, I ask to leave {$100.00} on my regular account and move {$500.00} to promotional, the representative informed me that wouldn't be a problem because I was within the 60 stated on statement to reallocate funds. I checked back on XX/XX/XXXX, the representative checked account and said that my account shows movement but what I requested was not completed, and she would resend request again to back office and give it until XX/XX/XXXX, on XX/XX/XXXX, I called back to make sure my payment had been reallocated correctly still not correct. the representative requested my allocation again. On XX/XX/XXXX, I contacted XXXX to ensure payment reallocation has been completed, and request reallocation of payment posted on XX/XX/XXXX, this is their policy, you have to call to have funds moved to promotional account. when I contacted XXXX regarding reallocation of my funds on my account my promotional balance was {$95000.00}, with me paying {$500.00} towards balance and additional {$50.00}, dollars XXXX and XXXX my current balance should be {$350.00}, they currently show my promotional balance currently at {$790.00}. If the promotional balance js not paid in full I will have to pay accrued interest from time of purchase XX/XX/XXXX, which is currently over XXXX XXXX dollars. I do not understand why my funds are not being applied as I have requested several times. My first request XX/XX/XXXX, was within XXXX 60 day reallocation which as yet to be completed. XXXX, actually sent me a letter stating the my request to reallocate my funds has been completed and it has not to date.
Product: Mortgage

I believe Cross Country Mortgage is misappropriating funds from my escrow account. They have charged me for an additional tax payment that has gone unrecorded by the town tax department. The escrow analysis in addition to the already paid taxes projects the fund to pay out taxes XXXX times this year with an overage of roughly {$1300.00} unaccounted for. My phone call with a company representative on XXXX confirms these facts and that the error is on their end. However, despite numerous calls and emails citing the following information, they remain unresponsive. 

The actual payments and projections of taxes to be paid this year are as follows : Payment Dates and Sum of Taxes Paid in 2023 XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1300.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) XXXX {$1200.00} as noted on XXXX XXXX  XXXX  ( See : XXXX XXXX  XXXX.XXXX  ) The sum of these tax payments, already paid in XXXX installments, for this current year is {$5400.00}. This is roughly equal to the projections stated by the XXXX XXXX  XXXX XXXX XXXX for the yearly taxes from last year ( See : XXXX XXXX XXXX XXXX '' ). 

According to the Escrow Analysis provided by Cross Country Mortgage on XXXX an additional payment of {$1400.00} is planned for XXXX of this year. Once this is paid, the sum of taxes paid out of escrow from this account will total XXXX tax payments this year equal to {$6800.00}. 

Compared to last year 's tax schedule this will result in XXXX additional tax payment ( bringing the total to XXXX payments ) as well as an excess of funds paid out estimated at {$1300.00}. The excess of funds is currently unaccounted for as this sum has not been recorded by the XXXX XXXX XXXX XXXX as indicated by the public tax record for the property ( See : XXXX XXXX XXXX XXXX '' ). 

I've reached out via numerous emails sent to XXXX on the following dates : XXXX XXXX XXXX XXXX XXXX I've also called regarding this matter on the following dates : XXXX XXXX XXXX XXXX XXXX This issue came to my attention when Cross Country Mortgage increased my monthly escrow payments thereby effectively increasing my monthly mortgage payments. They intend for the additional payments to make up for the unaccounted funds they appear to have misallocated. 

I welcome your assistance in finding resolution to this matter.
Product: Mortgage

Precision Capital XXXX XXXX, Or Sent my mortgage loan to XXXX XXXX of XXXX XXXX XXXX of XXXX, OR there hired counsel was directed to file foreclosure twice in late XXXX and in mid XXXX All this whole there was a forclosure XXXX  XXXX  XXXX  that was currently in force. I owned a rental house located at XXXX XXXX XXXX XXXX, Wa XXXX and in XXXX I had completed a refinance with XXXX XXXX  XXXX XXXX, OR with my wife at the time XXXX XXXX now XXXX XXXX. We divorced in middle of XXXX and I was awarded the proprerty in our final divorce decree. I have had multiple problems with the servicing that Precision Capital has done on my mortgage loan. XXXX is a private lender that does not report to any credit bureaus as well as does not participate in sending monthly statements nor any online account access. Until just not too long ago they did not even process XXXX payments they were required to be mailed in a check type form to them. This often resulted in late fees as they were holding checks until after late fee was assessed then acknowledging the payment had just arrived. My contact there was XXXX XXXX who managed the servicing on my loan My loan rate was fixed for 7 years at XXXX I think. In XXXX I was paying nearly 11.0 % interest due to the over ballon payments they kept enforcing. When XXXX XXXX arrived I was severely affected personally and by my tenants I have a large amount of rental homes that I receive rental income on. I had fallen behind on my mortgage and was originally told they had a COVID relief program available for me at this time I was speaking to a lady that her named started with a M if I can recall correctly. After delays I never was offered or able to receive mortgage assistance relief from XXXX was only told no they do not and was sent over to XXXX XXXX XXXX for foreclosure. I was able to have a relative help me and got the mortgage out of foreclosure At this time XXXX had notified my ex wife who then tried to enforce a clause added to our divorce decree that gives her first right of refusal on a defaulted mortgage loan that we jointly may have still. So at this point XXXX my XXXX wife began to communicate with XXXX at XXXX and then again it was sent to XXXX for Foreclosure this being the second time while at Statewide Foreclosure moratorium was still in affect statewide. At that point communication was very tough with XXXX  I was trying to request my original mortgage rate note to determine if I did qualify for covid relief, they never sent it to me as well as refusing to send me year end tax interest paid statements I was trying to get correct amounts needed to send in to pull my loan from foreclosure proceedings I was told once to send XXXX amount then another then XXXX was ok then not then told send personal check then was told had to be certified All while XXXX is negotiating with my ex wife on the other end This practice ended up costing me the home as it was awarded to my ex wife on the grounds that I ran out of time messing around with the back and fourth and poor response times.I am requesting a investigation that will hopefully bring my home back to me that I did not deserve to loose
Product: Consumer Loan

I originally had a loan with a company-Check N Go that was defaulted on. I may have received one piece of correspondence in the mail from the company however have not received any other mail or phone calls. Today out of the blue I receive a phone call from a " locator '' looking to find me in order to give me a phone number to call a number about a case or I would be served with papers. I called the number given-XXXX and spoke with a XXXX XXXX. He informed me that I was going to be taken to court for all of these charges if I did n't pay them or set up a payment arrangement giving them a credit card of bank account number. I asked for the name of his company and told him that I needed something in writing. He said I should know about the debt and if I did n't set anything up today then there was nothing that could be done about the file and I would be served. I asked the name of the company and he gave me " Central Mediation Services ''. They further went on to say that I would be served at my place of employment if I did n't comply.
Product: Credit reporting or other personal consumer reports

I am disputing the following late payment entries on my credit report, which I believe to be inaccurate and unverified : XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX : XXXX - {$0.00} Both accounts show a balance of {$0.00}, yet they are marked as having late payments. Since there is no outstanding balance for either account, it is impossible for any late payments to have occurred. I have reviewed my financial records, and all payments were made on time. Despite having disputed these entries previously, no action has been taken to resolve this issue, and it remains on my report. The continued presence of this inaccurate information is causing unnecessary stress, impacting my credit score, and hindering my ability to access important financial opportunities. The emotional toll from this unresolved matter is significant, leading to increased anxiety and frustration.

I respectfully request that you thoroughly investigate these inaccuracies and remove or correct them from my credit report.
Product: Credit reporting or other personal consumer reports

I've noticed unauthorized inquiries on my reports XXXX, XXXX and Experian. I reported and provided this information over to the representatives and manager at all three ( XXXX ) bureaus over the phone. I've mention to them how I was aware that according to the FCRA, legally these unverified and unauthorized items must be moved but instead with XXXX they said they DO NOT and WILL NOT REMOVE any inquiries and gave no reason as to why. I am in the process of applying for a home loan and would like these inaccurate items to be taken off my report because it is lowering my score and credit worthiness. 
Below is a summary of the data that I am challenging : XXXX. XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX - XXXXXXXX XXXX XXXX  XXXX XXXX ( XXXXXXXX XXXX  XXXX ) XX/XX/XXXX XXXX XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XXXX. XXXX XXXX ( XXXX ) XX/XX/XXXX, XXXX XXXX XXXX. XXXX XX/XX/XXXXXXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX- XXXX XXXX. XXXX XXXX XX/XX/XXXX - Experian XXXX XXXX XXXX XXXX XX/XX/XXXX - Experian XXXX. XXXX XX/XX/XXXX- Experian XXXX. XXXX XXXX XX/XX/XXXX - Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, there are still incorrect accounts found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to updated and corrected immediately : XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$8000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$110.00} XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXXXXXX Balance : {$340.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$39000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX equifax : i need you to verify all my accounts on my credit report and check if it's accurate ... because i have my credit report in front of me and it's showing XXXX different things from XXXX different bureaus ... Fcra rules says that my credit report should be 100 % accurate ... and how can it be accurate if there are XXXX different things reporting... please do diligent investigation so my credit report doesn't violate my consumer rights.. here 's the list of the following accounts in question.. 
XXXX ) XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please make sure that all three bureaus are 100 % accurate and are reporting the same exact items on my credit report including date last active, date last payment, date opened and amounts... according to fcra my credit report needs to be 100 % accurate otherwise it needs to be deleted because it violates my consumer rights... XXXX XXXX XXXX... XXXX states The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a total of 4 letters to XXXX, TRANSUNION and XXXX  regarding student loans on my credit report. The companies listed above have violated my rights under the the FCRA and CARES ACT. 

1. I sent letters disputing the student loan accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 None of my disputes to these accounts have been noted and added to the comment section of my report. This is a violation of section 623 of the FCRA.

2. Per the CARES ACT H.R. 748 ( 116 ) borrowers of Federal student loans were granted a six-month pause on their payments and they were to be listed as on time payments, but the bureaus have 120 day late payments and charge off listed for the months of  XXXX until XXXX of 2020. 


3. The bureaus have different dates listed for the date of last activity, how can this be possible when they are coming from the same data furnisher? This is also a violation.

I have attached proof of my previous correspondence AS WELL AS PROOF OF THE INCONSISTENCIES ' ; BEING REPORTED BELOW.
Product: Credit card or prepaid card

I opened a credit card with Dicks sporting Goods in XX/XX/XXXX for a promotion they were offering then. I made couple of purchases in the store after that to get the store discounts. I have not been using it at all in XXXX. I received a phone call in XX/XX/XXXX from Dicks credit card company stating that I have charges for sale that was made in XX/XX/XXXX. I explained that I didn't make those charges. I inquired what those sales were, and they said they have no specifics. I stated that I would like to close this credit card, as I don't use it, I don't even have the physical card .I was told that these disputed charges will be transferred to the fraudulent department, and that I shouldn't be responsible for making any payments. 
I continued to receive phone calls, emails, text messages, as well as paper statements sent to my house. I called Dicks credit card numerous times and explained that this amount was sent to the fraud department, as I didn't make this purchase. They agreed that I am not responsible for this fraudulent charges. I asked why I continue to receive all those notifications, and I was reassured that this will take time for me not to receive those notices. I specifically inquired about my credit score that I worked so hard to maintain, and they reassured me that this is not going to affect my score, as again I am not responsible for this. 

Today I was applying for an auto loan, and I received a rejection because of my " low credit score ''. I am a physician and my score has always been excellent. I never had any missed payments, and this adversely affected my credit score and my ability to purchase a vehicle. It also is affecting my medical business, as I was informed by the bank that this might lead to lowering my credit limits, or even canceling them.

This has taken so much out of my time trying to explain to the credit card company, and in all the times I stayed on line with them for hours, and the conclusion they gave me was that I am not responsible for this payment. So having this go to the credit score is destructive to my personal as well as my professional medical practice.
Product: Debt collection

I received several calls from the number XXXX with no message left and a friend of my parents I haven't seen in 20 years received a call from the same number saying they were trying to contact me to deliver legal papers. 

When I called them back they would not give me the full name of their company, just Absolute. 

They told me they were collecting on a debt from Cashnet USA from XX/XX/XXXX.

My wife and I were victims of ID theft in XX/XX/XXXX and this is one of the accounts that were opened in my name. I have provided Cashnet USA a copy of the police report several times yet they still sell this bogus debt to third party collectors. 

I asked " Ms XXXX '' at Absolute where I should send the ID theft docs and the police report and she said I wouldn't need to. Seems like they would need the documents since they claimed they have already started legal action and were looking to serve me with legal papers. I asked again for an address or fax number and she said she would send it to her fraud department and they would take care of it. 

There are two issues here. 

1st : Cashnet USA is aware this was fraud yet they refuse to remove the debt and continue to use third parties to collect even though they know the debt is bogus.

2nd : The collection tactics used by this " Absolute '' company are a clear violation of FDCPA and UDAAP. They are threatening legal action when they really do not use legal action on their accounts. They contacted a third party and told him they were trying to deliver legal papers to me. They actually contacted him before they attempted to contact me.