23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We have had almost {$17000.00} stolen from us due to the misinformation given to us by USBank. This money is meant to feed and care for our children and help cover our relocation costs after this move but at the moment we are in dire financial straights. 

We listed our house for sale, mortgaged with USBANK, in summer of XXXX. In XXXX we called to find out what was in our escrow account as we were considering a offer and our realtor suggested we look at what our escrow refund might be. We called USBank to ask about the escrow account and were told the account had {$4900.00} in it, on our realtors recommendation we asked if everything had been paid out already and were told yes. So we expected the refund to be fairly large since they said everything had been paid. That offer fell through so we didn't close in XXXX as we hoped. 
In XXXX we had another offer. We called for a payoff amount so that we would know what offer to accept. We had taken a Covid forbearance in XXXX, which we knew would be due to be paid on sale of the house. We asked specifically when we called for the payoff, if that covid forbearance amount was included in the payoff amount given, and were told by multiple people that it was included. The amount we were given in XXXX for the payoff was {$130000.00}. Based on that amount and the expected escrow refund we accepted an offer in XXXX. 
XX/XX/XXXX, we noticed the escrow amount had plummeted down to {$570.00}. We were shocked and angry so called to find out what was going on. Discovered that disbursements were made mere days after we were told all of them had already been made in XXXX and had continued to be made through XXXX. This left us with a pittance of the refund we had been told we could expect. We called multiple times and all they could tell us was too bad, what's there is there. We were never transferred to an escrow agent, or anyone in that department, we took what they said at face value and made financial decisions based on the numbers they gave us and the expectations that were given as well. 
Closing was set for XX/XX/XXXX, but when we received the closing disclosure form we saw the covid forbearance separated from the mortgage payoff amount in the form of a HUD loan, listed at XXXX, this brought our total payoff amount to {$140.00}, XXXX. All of that coming from our profit. 
We called USBank, who sent us to HUD, who sent us back to USBank, everyone saying too bad that's what's there is there and we can't change anything. We called again and filed a complaint after talking to multiple senior agents and supervisors in the escalation circuit. We were told along the way, by the staff and with condescension, that everything is our fault for just making poor business decisions. 
That complaint XXXX result in reviewing phone calls but will take up to 30 days and at this rate they XXXX say the same things even if they review their agents call records telling us what we've said. 
At this point I have no confidence in USBank or their staff to make this right and am relying on others to step in and get our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

I had 3 charges on the same morning from a website called XXXX, an online text book company. I chatted with a service representative from XXXX about the fraudulent charges and they told me to contact my bank. They didn't care if they were contributing to debit card fraud or not. I have made 4 calls to Chase Bank and every time I get someone on the phone they complain that they can't hear me and hang up on me. There is debit card fraud happening and no one is doing their job. No wonder hackers are winning thr battle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XX/XX/XXXX/XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 


Account name XXXX XXXX XXXX Account number XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new XXXXAddress XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX Account status Closed but reopened like new
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

This debt has been on my credit report since XXXX, according to the statute of limitations, a collection can only be on my report for 7 years. JEFFERSON CAPITAL has repurchased this debt in XXXX and is making it remain on there when it should have been off earlier this year. I am asking for this account to be removed off my credit report seeing that it is year XXXX and soon about to be XXXX.
Product: Credit reporting

XXXX tax liens are incorrect and reporting with Equifax. I have searched my name under Georgia XXXX XXXX XXXX site under deliquent taxes and results list " no date found '', at the following Georgia XXXX XXXX XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was closed do to fraud. I was able to receive a debt discharge for my student loans based upon their actions. I now have a 3rd party collection company trying to collect on this discharged debt. They are also currently reporting late payments on my credit report.
Product: Credit card or prepaid card

Original Creditor : XXXX Dear Sir or Madam : I am the victim of identity theft. I recently learned that someone used my personal information to open an account and make purchases with XXXX. This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I request that you stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), as described below. I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA, that you notify XXXX that the debt is the result of identity theft. I Never opened a credit card with XXXX, and never will. My personal information was used to obtain credit in my name, which I am not responsible for. An identity theft report will be included. Also a police report is in the process of being filed in regards to this matter. Enclosed is a copy of the Notice to Furnishers of Information issued by the Federal Trade Commission, which details your responsibilities under the FCRA as an information furnisher to credit reporting agencies. The Notice also specifies your responsibilities when a credit reporting agency notifies you under section 605B of the FCRA that information you provided to it may be the result of identity theft. Section 615 ( g ) ( 2 ) of the FCRA requires debt collectors to provide identity theft victims with documentation about an account if the victim asks for it. Please provide me with the following documents related to this account : 1. Application records or screen prints of Internet/phone applications 2. Statements or invoices 3. Payment/charge slips 4. Investigators summary 5. Delivery addresses 6. All records of phone numbers used to activate or access the account 7. Signatures on applications and accounts 8. Any other documents or records associated with the account Please send me a letter detailing the actions you have taken to : 1. notify the original creditor that the debt is the result of identity theft ; 2. stop collection proceedings against me ; 3. cease reporting this information to the credit reporting agencies ; 4. provide me with the information I am requesting ; and XXXX take all actions required of you as a furnisher of information to credit reporting agencies. Thank you for your cooperation. Sincerely, XXXX XXXX XXXX XXXX XXXX : I have attached to following documents FCRA 615 ( g ) ( 2 ) FTC Notice to Furnishers of Information FTC Identity Theft Report Police Report ( Pending Deputy Signature )
Product: Mortgage

Refinanced mortgage XX/XX/XXXX to remove PMI. XXXX XXXXSLS deliberately undercalculated my insurance premium ( which I didn't notice, of course ) and tacked the shortage onto my mortgage in XX/XX/XXXX. I opted to purchase cheaper coverage to try to get my mortgage closer to what it had been. I purchased a replacement policy XX/XX/XXXX to be effective XX/XX/XXXX. Somehow my existing insurance carrier cancelled my policy on XX/XX/XXXX, in spite of my request to continue coverage until XX/XX/XXXX. 
I sent the refund check I received from my previous carrier to SLS upon receipt using the letter sent to me by SLS ( which DOES NOT indicate endorsement is needed ) on XX/XX/XXXX to be delivered on XX/XX/XXXX via First Class mail. I received the check back with a letter saying that I needed to endorse the check on XX/XX/XXXX. This could have been avoided if those instructions were INCLUDED with the letter requesting the check. I received another letter the same date saying that I would be charged {$260.00} for insurance premium ( that was actually {$160.00} ) if I didn't provide proof of coverage from Branch and XXXX 's mishandling of the replacement policy and cancellation. Overall, SLS has been a nightmare and I regret ever doing business with them.
Product: Credit reporting or other personal consumer reports

I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports. 

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX. XXXX XXXX # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I am requesting that my sercurity freeze be removed from my credit report. 

Name : XXXX XXXX DOB : XX/XX/1980 SS : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX  XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency report me as joint account for medical bill for {$3800.00}, i never sign any papers the person was my wife, she applied for XXXX XXXX at that time cz she was nor working and they appeoved her case We never received any bill at our home adress In XX/XX/XXXX the collection agenct report it as unpaid charges to my credit report, i spoke with them many times they wont understand In XX/XX/XXXX they posted again for the same amount and there was no changes whatsoever I dispute it with XXXX and they said is accurate and the update was made for some changes which not true.this is a medical bill Since XX/XX/XXXX and i was not present or sign any papers to take responsibility, she did everything through charity care and even the bill was too much for emergency room
Product: Credit reporting, credit repair services, or other personal consumer reports

During the covid-19 pandemic I called my credit card companies and were supposed to be given a 3 month period in which I didnt have to make a payment but, I was reported late to the 3 credit bureaus.
Product: Credit card or prepaid card

We were overcharged by XXXX XXXX XXXX, XXXX. The disputed amount was {$160.00}. I disputed this overcharge with JP Morgan Chase Bank and sent in all the corresponding documentation corroborating my overcharge. Chase claimed the overcharge was valid based on information provided by XXXX. The XXXX XXXX XXXX did NOT clarify any overcharges nor did Chase. I believe Chase did not investigate the case as they never provided any explanation as to why the charge was valid. There was no response from Chase aside from what appears to be a canned letter that they routinely send out.
Product: Student loan

Hi, I am on the IDR plan ( REPAYE ) to repay my federal student loans. I was with XXXX and then transferred to MOHELA last year. At the time when I was with XXXX, during the COVID forbearance period, XXXX had emailed me to tell me it was time to recertify my income even though no income recertification was required since it was during the COVID forbearance period. With XXXXXXXX XXXX incorrect guidance, I recertified my income online on XX/XX/XXXX  which resulted in a much higher payment compared to the previous year. I should not have to pay the higher payment due to my original servicer ( XXXX ) providing me with false information. It is unfair for me to be punished with an almost 5x higher payment because I was trying to do the right thing and follow their guidance. I should be provided with the same benefit afforded to everyone else as no one was required to recertify their income during the COVID forbearance period. I have tried to call the new service provider MOHELA but the call has not been successful. I have searched online and seen that others have been able to undo their income certification so I was hoping I could get that courtesy extended to me as well.
Product: Debt collection

Hello a building I stayed in 4 years ago when I left claimed I somewhat destroyed the apartment. They said they had to repaint the walls, replace the floor, replace utilities etc. Somehow of all the money I left them deposit etc. The cost was so high that after {$2000.00} was spent they still needed to get an additional {$1400.00}. I have tried to dispute this claim on XXXX. XXXX XXXX XXXX XXXX the place I was staying said they would create a dispute for the claim years ago they would get back to me with a certain email to send photos of the place in good condition etc. I never heard back from them. They never submitted evidence to me I had caused such destruction. When I try and dispute this with XXXX I simply get replies they checked the claim for accuracy and it is accurate. I have no idea what that means. How is it accurate? It was sold off to a debt collector Mutual Management and I still have no idea how they made this claim stick to my credit. I hired a lawyer for a separate property issue and I believe the firm does not think they can investigate these things once they are already on your credit report. Yet I saw a section that says that if I am not happy with XXXX  attempt to investigate this claim I can file a claim on this website. Here I am. Please advise me if I can go further with this and can always retain the services of my lawyer to help if necessary. I have no plans to try and pay a debt for damages to a property I did not create. I feel its a fraudulent attempt to get more money from a tenant who always paid on time. Thanks checking this out for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I was checking muy report through XXXX XXXX and I realized that my score went down 51 points. All of the accounts were removed and my mortgage was removed as well. I am very serious about my credit and I have been struggling so hard to get my credit together. I pay my bills on time. This is very annoying during this pandemic. I am having anxiety due to this. I went on back on XXXX XXXX   Saturday XX/XX/2020 and noticed that the some of the information was placed back on my report after I made the phone call to XXXX on Friday XX/XX/2020. I spoke to XXXX the customer service rep and also XXXX the supervisor which told me there was nothing that could be done and that someone sent in a letter requesting that this information be taken off. I was asked if I had any third party apps and XXXX   stated that they do not report the correct info. I said to them how is that possible. Why would they not report the right info if they are representing your company. She said we sell your nfo to them. I feel that my right s have been violated and I want something done immediately.
Product: Payday loan, title loan, or personal loan

I spoken with this company and their deceptive practice of giving the incorrect information saying I owe a different amount. I have to continuously correct them. I have spoken to countless reps and managers who keep providing misleading information and making misleading statements.