23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX, I made a payment to Flagstar in the amount of {$1200.00}, to be applied to my escrow account. The money was misapplied : 1 ) a part was applied to a future payment ; 2 ) the balance to the principal. This was NOT the direction I gave when making the payment. I continued making my payments timely and in full, not realizing that the payments were ahead because I often make extra payments per year to pay down the loan balance. Now a year later I learn that the {$1200.00} was NOT applied to escrow, resulting in an increase of my monthly payments from {$810.00} to {$1000.00} per month. Additionally, I now have a new escrow shortage balance of {$1800.00}. I just learned this today XXXX XX/XX/XXXX XXXX, even though I have been reaching out to Flagstar for weeks trying to understand why my monthly payment was going up so much. 

I feel like this company is making me PAY for their mistake. They are unwilling to correct THEIR error, but instead are forcing me to pay. I feel that people should be warned about Flagstars practices and how they do business. I am a person who pays my bills timely and do not deserve what's happening at the hands of this company.
Product: Credit reporting

I have been fighting with XXXX for 2 years to remove this unverified debt from my credit profile. Attached, XXXX have also asked XXXX to stop reporting this false information and they have failed to do so. I '' m looking to have this removed asap
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$240.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$1100.00}, and XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and EXPERIAN are reporting a account by the name of XXXX XXXX XXXX per the FCRA and CFR as a federally protected consumer I am opting out of the utilization being reported for this account as a federally protected consumer I am opting out of any and all authorization I the consumer may have given these corporations to report the utilization for this account whether it be written unwritten verbal and non verbal per 2 CFR 910.364 - Reporting on utilization of subject inventions states unless otherwise instructed utilization can be reported to my consumer report I am now herby instructing XXXX EXPERIAN XXXX and XXXX XXXXXXXX XXXX  that I do not consent for utilization to be reported for this account related to XXXX XXXX XXXX on my consumer report 2 CFR 910.364 - Reporting on utilization of subject inventions also states the information supplied in a utilization report is privileged and confidential and that only the Government is allowed to be disclosed all the information included in a utilization report this includes all transaction history between I the consumer and XXXX XXXX XXXX. EXPERIAN XXXX and XXXX are not the Government they are credit agencies the utilization being reported is a violation of 2 CFR 910.364 - Reporting on utilization of subject inventions due to the fact XXXX XXXX XXXX disclosed the utilization report to non government agencies. This account is also being reported as charged off on my consumer report a charge off is considered a certificate of indebtedness which means it is income income is non public information and that non public information being reported on my report is a violation of my privacy rights under the privacy act of 1974. The account is also being reported inaccurately XXXX shows the date the account was last active as XX/XX/XXXX while EXPERIAN shows XX/XX/XXXX and XXXX shows XX/XX/XXXX this is a violation of 15usc 1681b reasonable procedures it is required by all consumer reporting agencies to report information which is fair and equitable to me the consumer in regards to accuracy and confidentiality. The reporting of this account is unfair and inequitable to I a federally protected consumer.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

IM A VICTIM ON IDENTITY THEFT PURSUANT TO THE FCRA SECTION 605B, This section mandates the removal of all fraudulent information from my credit report. 

I will bring charges against XXXX  XXXX, EQUIFAX, TRANSUNION, AND EXPERIAN under Title 16, Chapter 14 of the Racketeer Influenced and Corrupt Organizations Act, specifically referencing 16-14-4, which addresses prohibited activities. This action aims to hold the institution accountable for any alleged violations of these laws.
Product: Debt collection

Car was involved in a wreck on  XXXX / XXXX /2012. Other party at fault. Insurance (   XXXX   XXXX   ) sent adjuster 's appraisal of damage ( {$5200.00} ) with  XXXX    XXXX   of $  XXXX .The adjuster 's comments stated that the vehicle " may have a dditional damage to : RAD SUPPORT. FRAME RAILS, SUSPENSION. The day after the wreck I hired   XXXX   XXXX   ( attorney,    XXXX   XXXX  , MS ). The car was subsequently repossessed and sold for {$1500.00} making the TLF = {$6700.00}.
Collection Attorney : The Winn Brown Law Firm, PLLC   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX    XXXX , MS  XXXX  (  XXXX  )  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter out XX/XX/2022 in XXXX to XXXX, XXXX, and Equifax. However it been more than 30 days and the credit bureaus failed to send my investigation back. this is not making any sense.

Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.

( 1 ) Reinvestigation required.

( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting

XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Experian - learned about FCRA XXXX and sent on XXXX XXXX to block. Experian refuses to block.
Product: Checking or savings account

In the early weeks of XXXX, my son received a {$1000.00} savings bond from his father as a gift. As this was his first time handling a savings bond, and I was out of town for work commitments, I advised him on the necessary steps to convert the bond into cash or have it deposited into our account. I suggested that he take the bond to our bank, where they could evaluate its current worth and guide him through the cashing or depositing process, in which I advised him they may place a hold on it so be prepared. 

On XX/XX/XXXX, my son visited the Renasant Bank branch at XXXX XXXX XXXX, XXXX, AL XXXX to convert the savings bond. Upon completing the transaction, he was informed by the bank that the bond was valued at approximately {$8000.00}, a sum significantly higher than we had anticipated. Notably, the bank representative advised him that the funds were immediately available in his account. This was contrary to my previous advice to my son that the bank might place a hold on the bond until the funds were verified. Its been years since I processed a savings bond, so I wasnt sure of the exact procedure, but I knew either way that they would verify and proceed accordingly. 

However, on XX/XX/2023, we received a phone call from the head of the treasury department informing us that the teller had made a mistake and that we would have to return the excess cash. It was both shocking and distressing to learn that the bank expected us to bear the financial burden of their error. Without prior notice, the bank proceeded to withdraw the remaining {$4000.00} from our account, leaving us in a precarious financial position. This significant error has caused us financial hardship, as our account is now overdrawn by {$3100.00} due to the bank 's attempt to rectify the teller 's mistake. 

According to the Department of Treasury, if a financial institution accidentally cashes a bond or note for the wrong person, or if the transaction results in a financial loss, the institution is liable for the loss unless the Department of the Treasury determines that the institution was not at fault or negligent as a paying agent. It's clear from these guidelines that the bank should be responsible for this error, not us, the consumers. We have spoken to several representatives at the Department of Treasury to understand how this could happen, first they were baffled at how that could happen, they couldnt make sense of it themselves. The representative also advised us that this is not our fault and the bank should resolve this and how the savings bond was supposed to be cashed, never deposited into our account, and financial institutions are aware of this. However, as you can see from the attached documents, the teller not only wrote in the wrong amount but also deposited it as a check. Even processing it as a check, the teller did not place a hold on it, which could have possibly prevented this loss from happening. That account never had {$8000.00} before, so why didn't the teller do her due diligence to protect the consumer and the bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received information from XXXX that an investigation was done on my behalf to prove that this account was mine. I still havent received any information as to the accounts listed in my Initial disputes. For instance, they are four XXXX XXXX Accounts that are questionable. I have yet to received any written documents stating these account are mine with my signature. They keep stating that they verified these accounts but I have yet to receive anything that states these account belongs to me. This is the second request for these items. Per FCRA 601. ( A ) by Federal Law Im supposed to received written documentation stating with my signature showing these accounts are mine. Without that, these accounts are to be removed from my credit files immediately.
Product: Payday loan, title loan, or personal loan

I FILED CHAPTER XXXX XX/XX/2018 AND CREDITOR CONTINUES HARRASSIG CALLS MISLEADING EMAILS AND LETTERS SUCH AS THE EMAIL SENT BELOW ON XX/XX/2018 Attention : Debtor, Creditor : Speedy Cash Services Case No : XXXX- XXXX Outstanding Amount : {$1300.00} This Legal Proceeding issued on your Docket No : XXXX- XXXX XXXX XXXX of Speedy Cash in order to notify you that after contacting to you on your email we were not able to get hold of you so the accounts department of SPEEDY CASH has decided to mark this case as a flat refusal and press legal charges against you. 


We have sent you this warning notification about legal proceedings on XXXX, 2018 but you failed to respond on time now its high time if you failed to respond in next 36 HOURS we will register this case in court. Consider this as a final warning and we will be Emailing/Fax this issue to your current employer to make sure they take strict actions against you. Your salary and all your wages confiscated. 


You will be sue into the courthouse, where you have to pay {$4700.00}, which is including your bail charges, attorney charges, and court fees. Your employer will be contacted and they will be served with this legal notice. Your all bank accounts will be ceased. 


This is your last and final chance to settle this case if you don't take it seriously, we will surely take hard steps against your name and social and you will be the only person responsible for the legal consequences. 



Do revert back if you want to get rid of these legal consequences and make a payment today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 



NOTE : -IF YOU WANT TO RESOLVE THIS ISSUE OUTSIDE OF COURT THEN CONTACT OUR SETTLEMENT DEPARTMENT ASAP WITH YOUR CLEAR INTENTION OF REPAYING ALL OUTSTANDING AMOUNT TO : XXXX Sincerely, Settlement Department, XXXX XXXX ( Head-Debt Collection Officer )
Product: Credit reporting or other personal consumer reports

SYNCB/CARE CREDIT C/O XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Is erroneously reporting on my credit report that I have an account open with them owing {$7400.00}. 

I have no knowledge of this account. I have disputed the account and reporting with the merchant via 3 different credit bureaus and they are violating FCRA by not providing a full validation of the debt showing the documents of whom and where this debt was applied for. Contract. Signature. Identification of whom signed. Etc. they've also filed to provide names and contact information for any person or entities they used to allegedly " VALIDATE '' This debt as my responsibility. Methods for which this validation process was completed. 
Furthermore, upon researching this creditor, it seems as though this is a medical billing account to which I have no knowledge. They are reporting this in violation of The HIPAA Privacy Rule ( 164.524 ). 

I am here by demanding that this account be IMMEDIATELY REMOVED from my credit reporting and that they CEASE to report any negative information on this account. Otherwise I will be forced to take legal action and report this issue to higher governing bodies for immediate legal recourse.
Product: Mortgage

I recently went over amounts of different fees on mortgage statement ; by hand. What I discovered was deliberate fraud, misleading information, accounts added claiming we signed for other loans and amounts ( these same accounts were paid off by us before we went to closing ). 
The discrepancies that are on the loan are very deliberate and there is no way for these amounts to have been mistaken. 
We were charged XXXX  of dollars more than what we should have been. 
I have contacted the title company ( that originally did our loan paperwork and have been given the run around by this company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XXXX XXXX, 2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} DP OF XXXX XXXX Balance : {$28000.00} XXXX OF XXXX XXXX Balance : {$48000.00}
Product: Checking or savings account

I.had XXXX  ( chime ) linked to my XXXX XXXX I unlinked it and addad my XXXXXXXX XXXX i cashed out from XXXX XXXX they sent money to XXXX I tried having them fix there error. Then contacted XXXX Where the found my account was helping me update info then sent me a link to verify myself i did then called back to gain acces to my account where they said they cant locate my accoumnt i even tried to give aquires reference number they refused to take it refused to transfer to manager. Just kept repeating they couldnt find account then didnt even respond and for 2nd time just hung up on me
Product: Mortgage

I called to make arrangements to pay XXXX payments next month on my XXXX mortgage with 21st Mortgage. The rep XXXX was so unkind and said " what are you spending your money on? '' I asked for a supervisor XXXX who came on with pretty much the same tone. Saying they have the right to know what I spend money on if I owe them. Maybe so, but there 's a better way of them getting the information they need than just being so rude and blunt. I do n't have to show them my receipts of what I spend my money on. The point is that I 'm trying to work with them to get caught up and they harrass me with emails and treat me like dirt when I call in. I 've encountered this numerous times with this company. Finally XXXX transfered me to her boss XXXX XXXX at ext XXXX who was very professional and understood my concerns. He worked with me on the arrangement but this company is tipping the scale on their collection procedures and need to know where to draw the line.
Product: Mortgage

I have requested My Mortgage Company to start reporting my Payment History, After a Chapter XXXX Bankruptcy, which was discharged 2 years ago, they have not reported to the Credit Bureau, Now I am attempting to refinance this House at a much lower rate, but the Finance can not see my credit history on this house. I can not afford this house at the current payment, since I 'm now Divorced since XX/XX/2016. I 'm just wanting them to report this information so I can have this refinance to go through. HSBC has sent my report to me in paper form for the past 2 years, but the refinance company is requesting it be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. TransUnion gives an error code and is not reporting accurate accounts on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to obtain credit file from Transunion and they have denied me access to my free annual credit department
Product: Credit card

I am incredibly dissatisfied with the way Bank of America has handled a disputed transaction of {$6900.00} to XXXX XXXX XXXX. This fraudulent Telemarketing Company conned me into paying them {$14000.00} for nothing. I reported this to Bank of America and provided them with all the information necessary to prove that the company scammed me and although it seems they have refunded the {$7400.00} they have decided in favor of the merchant on the other {$6900.00} citing that they " deserve to be paid for any services that were rendered ''. What this company sold me vs what was " rendered '' was nothing as they described. As far as I am concerned, this company did NOT render the services as described and Bank of America is allowing these thieves to operate. 
I have been informed by the XXXX, that I have the right to dispute charges like these using " Claim and defenses '' and I would like this to be properly investigated as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters every month since XXXX XXXXr about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.
Product: Credit reporting or other personal consumer reports

Im reaching out because there are inaccurate items on my credit report that need to be addressed. The details of these errors are listed below : XXXXXXXX XXXX - XX/XX/2024 XXXXXXXX XXXX  - XX/XX/2024 I have attempted several times to resolve these discrepancies by submitting disputes and providing the necessary documentation, yet no corrective action has been taken. Despite my repeated efforts, these errors remain on my report, negatively impacting my financial situation and causing undue stress. It is frustrating to keep dealing with these unresolved issues. 

The Fair Credit Reporting Act ( FCRA ) guarantees my right to a credit report that is both fair and accurate. I am asking you to take immediate action to verify and correct these mistakes. If you are unable to confirm their accuracy, they must be removed in compliance with federal law. I appreciate your prompt attention to this matter.
Product: Mortgage

I filled for bankruptcy in XXXX and my house with true homes and round point mortgage was not in foreclosure, I was discharged from my bankruptcy XX/XX/XXXX and the house foreclosure hit in XX/XX/XXXX. I spoke to my lawyer over my bankruptcy and he advised me that my bankruptcy cleared my debt to the property and Im seeking the foreclosure on my credit report to be removed due to taking a hit for both a bankruptcy and foreclosure when no debt is due, due to my chapter XXXX bankruptcy.