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

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX, XXXX XXXX BANK XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

I had account with XXXX XXXX which there where two account XXXX. Which I have already paid in full 2years ago XXXX XXXX also gave me a payment history. Which shows a XXXX balance on both accounts. Now I a letter from a collection agent Sequim Asset Solutions stating that I own XXXX XXXX which I already given them proof of everything.
Product: Credit reporting 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. Account name : ARMY AIRFORCE EXCHANGE I looked at my ( Select one ; XXXX credit report on ( XX/XX/year> ) and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the following information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to the 15 USC 1681i 5 they are suppose to do this list ( 5 ) terminal of inaccurate or unverifiable information. ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a customer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to nor 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

I want to dispute my credit report and want the companies to verify my accounts.
Product: Mortgage

Carrington Mortgage Service, LLC is the servicer of my mortgage loan ( Loan No. : XXXX ; FHA Case No. : XXXX ). XXXX mishandled thirty-seven ( 37 ) partial prepayments on my mortgage loan made between XX/XX/XXXX and XX/XX/XXXX, all of which were made in an amount equivalent to, or  exceeding, the amount of the regular monthly mortgage payment then due and were received by Carrington on or before the due date for each monthly mortgage payment ( the first of each month ). The limited payment history available through the customer account portal on Carringtons website, which only covers the period XX/XX/XXXX XX/XX/XXXX, appears to show that Carrington treated at least  thirteen ( 13 ) of the thirty-seven ( 37 ) partial prepayments as advance payments on future mortgage payments rather than applying them to pay down the outstanding principal on the Note, as required by HUD/FHA regulations and policy, Paragraph 5 of the Note, and Carringtons own policy as stated on its Monthly Mortgage Statements. The remedy for this error in the treatment of my partial prepayments should be to put me in the same position I would be in had Carrington fulfilled its obligation to apply my partial prepayments to the principal balance on the loan and reduce future regular monthly mortgage payments. I have called and written to Carrington in an effort to resolve this problems, but Carrington has failed or refused to address my claim.
Product: Checking or savings account

XX/XX/year> at XXXX I tried to deposit {$540.00} into the ATM machine located at the US Bank at XXXX XXXX XXXX XXXX, XXXX, WI. The deposit was rejected and it sent back {$520.00} and said there was a metal object in the machine and to clear the machine and redeposit. I checked and did not see anything, i put the money back in and I received a receipt saying there was a machine error occurred and unable to credit or return some of the items you attempted to deposit. It did not return anything. A flash came up that the ATM is out of service. I was ready to drive away and the ATM became available. I put my card in and and selected Deposit cash, just to make sure the cash was not there. It was not. On my way home, I called the number on the Machine error receipt XXXX and submitted a report I was given Claim # XXXX XXXX XXXX XXXX 
On Friday, XXXX I called XXXX and spoke to XXXX who said he would put paperwork in the expedite the claim. 
On Monday, XXXX I called XXXX and spoke with XXXX and then XXXX who told me to talk to the branch and that they may be able to credit the account while investigation is being done. They waid it could take up to 45 days. 
On Tuesday, XXXX I called the branch XXXX and spoke to XXXX and then XXXX, she said I was given false information but that they would put through an email to get more information and I should call back Wednesday or Thursday and gave me another number to call XXXX. 

I am getting misleading information and I still do not have my {$540.00} deposited into my account. 

There are camera 's on these ATM machines, they should be able to view it and see what happened. Also, they should have {$540.00} extra and not be able to balance out the machine. 

I deposited XXXX {$100.00} bills and XXXX {$20.00} bills. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
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: Credit card or prepaid card

My card was closed on a {$0.00} balance. Now Wellsfargo credit card attempt to collect {$200.00} on a purchase that was disputed and resulted before my card was closed.
Product: Debt collection

I ended this account XXXX, l made sure account was up to date. Did not want problems getting a new account XXXX. Anyway this is XXXX there is the statute of limitations. 4 years
Product: Checking or savings account

I have a problem with them letting companies take money out my account that I didnt authorize. I complained about the situation and they still continued to take money out. I feel thats very unfair even after I said dont let it happen.
Product: Checking or savings account

E-trade Financial / Morgan Stanley called me about a month ago stating that I withdrew cash from an ATM / Cash Machine located inside of a XXXX Business. They threatened to close my all my accounts with them for making an ATM machine cash withdrawal. I asked them, when did it happened. The E-trade representative said that he didn't know. 

Now, as of Friday, XX/XX/year>, E-Trade Financial / Morgan Stanley has restricted me full access and full features of my account. I feel that they are harassing me and trying to force me out of my account because of my race and low balances.

When I first walked in to E-Trade Financial / Morgan Stanley in XXXX to open my account, the white man sitting at the front desk became angry at me because I wasn't white and did everything he could to harass me, confront me with hostility, and prevent me from opening my account. 

The person that eventually helped me and opened my account was a XXXX Man, representative of E-Trade Financial / Morgan Stanley.

E-Trade Financial / Morgan Stanley 's Compliance Team is now stating that they don't know why my accounts are in a " RESTRICTED '' Status, and they said that they can not offer me any resolutions, and that they didn't know when the " RESTRICTED '' Status would be removed. They basically told me to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent over XXXX letters to XXXX and Transunion requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA, XXXX ; XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX  CA, XXXX ; XXXX XXXX XXXX, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX, XXXX, CA, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX ; XXXX XXXX Ct, XXXX XXXX, CA, XXXX ; XXXX XXXX XXXX XXXX XXXX CA, XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX XXXX : {$0.00} ; Bankruptcy XXXX XXXX  Date Filed XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$340.00} ; XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian on in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, X/2017, X/2017, X/2017 and X/2017. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX, XXXX XXXX collection account, XXXX XXXX and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

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  XX/XX/XXXX I would like for these Inquiries to be deleted from my credit report with XXXX, XXXX and Transunion. I did not authorize these companies to run my credit. This is fraudulent.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received a call from my bank within three hours of three unauthorized wire transfers going out of my commercial banking account with TRUIST. They failed to freeze my account at that moment and start a recall as I went to the nearest location to see what was happening. They checked my account and found three transfers were being attempted and only then did they call their fraud team to get a swift recall in action. I was told by the bank manager that the transactions would " fall off '' over night '' and to come back in the morning the XXXX to open a new account while they froze my current account. By the next morning, one transfer was returned for {$55000.00} from XXXX XXXX XXXX, but two others were still under investigation. One transaction to XXXX XXXX for {$65000.00} and the other to XXXX XXXX  for {$35000.00} for a total of {$100000.00}. They bank manager told me they would keep my current account locked down to only receive funds and nothing to go out and opened a new account. The bank FAILED to lock my current account as they promised until nearly 9 days later when I caught it as funds were automatically being deducted from prescheduled IRS payments. I was shocked they also did not lock down the ACH transfer option on that account AND the new on as that was exactly how my account was robbed. Since then, nearly a month later, I have only received back {$7700.00} from XXXX XXXX. During that time immediately on the first day I filed a police report and was assigned a detective who has been trying to help me with subpoenas from the banks underway, I reported this to the FBI, the FDIC, XXXX XXXX, the FTC, XXXX Georgia XXXX personalities, and XXXX XXXX where the funds were all wired in Florida for both successful transfers and to the one that was returned. He was the ONLY person that got back to and told me to report to you. I am a loss as to what to do. TRUIST bank is a mess. The Fraud team told me on a recorded line it could have been an employee sharing badge that allows the fraud to happen by another party, and that sometimes people open new accounts that get hacked the day after the other account was stolen from... they have done very little in communication with me unless I initiate it and it's about a 30 % response rate they get back to me. I also held the management to account who told me they would " fall off '' and learned from another manager that was never happens and was false information. He replied by reporting to a regional manager what said they would try and negotiate with the other banks until they got a satisfactory refund. {$7700.00} is definitely NOT satisfactory especially since I reported this immediately when it was discovered and the bank was slack to respond. 

Can you advise? Should I get an attorney?
Product: Credit card

Started transferring my assets to Bank of America, opened a checking account and set my direct deposit to be sent there. And applied for two credit cards to transfer all my spending to the bank Ive had a relationship with for so long. For some reason the system denied both my applications. I would like for somebody at the bank to look at my applications and see if they can approve at least the elite card, since I travel a lot. I would love to continue my relationship with Bank of America. 

Applications XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to switch my family phone service to XXXX and was told in store I could keep my phone. I bought phones for other family members but was assured that my XXXX XXXX which was fully owned by me could be transferred to XXXX. After more than a week of trying to transfer the line, working with the store manager and on up the chain, I was told by XXXX that my phone could not be transferred and that the store should not have told me it could be. I had already paid XXXX for new phones for my family, and paid for a week of their service, but XXXX then tried to bill me for a week of service on my phone, which was never operational on their network. I spoke with XXXX and was assured that they would waive this charge, considering I had already incurred significant expense for new phones that were not needed, switch fees, and the charge to switch back to my former carrier.
Product: Mortgage

On XX/XX/XXXX, I opened a claim with my Insurance Carrier - XXXX XXXXXXXX, due to water damage that was the result of negligence of the upstairs condo unit above my property unit. After six months, XXXX XXXXXXXX finally released checks issued to myself and my mortgagee. Damages are in excess of {$100000.00}XXXX XXXX XXXXXXXX issued two checks in the amounts of {$76000.00} and {$2200.00}. I endorsed the checks and sent them to FlagStar Bank, Property Loss Claims. They received those checks on XX/XX/XXXX. 

In order for repairs to begin and continue in a timely manner, while waiting for the funds to be released from FlagStar bank, I paid out of pocket to the contractor XXXX XXXX XXXX. Copies of the initial deposit for work to begin and second payment are attached to this complaint. As well, I paid out of pocket for materials as that was not included in the repairs estimate from XXXX XXXX. Funds out of pocket, TO DATE, total {$31000.00}. In order to continue with repairs another {$19000.00} is due today, XX/XX/XXXX. 

Payment schedules, contractors information, copies of checks, copies of all receipts for materials paid out of pocket have been submitted to FlagStar Property Loss Claims. 

FlagStar intentionally informs me of conflicting information of what documents are either needed or not needed to process my claim. Several representatives informed me of a new policy where I did not have to submit certain forms from their claim packet. Then, without informing me, FlagStar reversed their policy and the forms were now required. When I have contacted FlagStar to resolve this to get funds reimbursed to me, yet another new policy or other requirement is needed in order to pay the funds they are in possession of from XXXX XXXX. 

FlagStar is intentionally withholding money that is due to me to repair my property. FlagStar refuses to send an inspector to my property which is stated on their very own policy. In speaking with supervisor, XXXX, as of this morning, XX/XX/XXXX at XXXX XXXX, FlagStar will neither send an inspector, release funds that are owed to me or proceed with my claim stating there is a hold up with my HOA. My HOA is NOT involved in this matter. 

FlagStar is discriminating against me as a single elderly XXXX female. A complaint will also be filed with HUD in violation of the American Disabilities Act, along with a complaint to The Federal Trade Commission.
Product: Consumer Loan

My daughter purchased a car from Santander bank. She has made all the payments and the car is completely in her name a XXXX. I made XXXX payments for her because she needed some help in XX/XX/2015. I am not sure what happened but the next thing I know Santander is calling me to make a payment for a car I was not liable for. It got so bad that one of the representatives told me I was liable for the car and they kept telling me I was. I finally got sick of it and got an attorney due to the continued phone calls. To my surprise they offered a settlement of paying off the car with a little cash but I have to turn in the car. How can I possibly turn in a car that does not belong to me. I did have another loan with Santander where I co signed for a car but that car a XXXX was repro 'd and I take full responsibility for that but the XXXX has nothing to do with them calling me and demanding payment for the XXXX. I am so frustrated at this point. There are recordings of calls made to me after the XXXX was repo 'd that had nothing to do with the XXXX it was about the XXXX. My daughter is now seeking legal advice as well based on Santanders actions. I do n't understand why they still believe I have ties to the XXXX when all documents ( the contract ) does not have my name anywhere. I think Santander is ridiculous and should get their books in order.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis, XXXX, XXXX, and XXXX have deeply failed me. These companies have not responded to my disputes over the last 60 days. There is an inaccurate bankruptcy that is reporting on my credit report that I am in immediate need to address and correct. The bankruptcy should not be reporting on my credit report at all. Please help!
Product: Credit reporting or other personal consumer reports

I have no knowledge of this company. I never signed up with them, never had a wet contract with them, not sure where they receive my information, how they receive my information. This seems like identity theft.
Product: Mortgage

I paid our mortgage for XX/XX/2018 on XX/XX/2018. PHH sent us a letter stating we were short on our escrow by over {$1000.00}. We have never been late on payments. We are always early on payments. PHH sent us a breakdown of the payments they have. Our XX/XX/2018 payment was not applied and the escrow for that month was not applied. We have tried contacting the company several times. We get sent to what must be a call center in XXXX where we clearly state the issue over and over and over again and a person with a very heavy accent is extremely confused as to why we are calling. They are not helping us at all. They refuse to let us speak to a supervisor or say the supervisor is too busy and will call us back. The supervisor never calls us back. This is not the first issue. They have claimed we didn't pay before as well and they ended up saying they lost our payments. Our bank had to call PHH and work with them to help PHH find our payment, which they had cashed and just apparently forgot or something. We are honestly not happy with this company at all. We did not choose this company and do not wish to work with them ever again. They are scam artists.
Product: Credit card or prepaid card

XXXX XXXX I mailed a XXXX money order to Paypal Credit svcs/synb as I have done many times. The payment was not credited to my account, but XXXX verified that the money order was cashed. Synchrony Bank asked me to send them all the information I have, plus fax them the XXXX money order customer 's receipt, which shows the XXXX serial number, which I did do. Synchrony Bank did credit my account for the {$400.00} M/O, but the following month they reversed the charge. I have been contacting them every month since then to ask for my credit back, they would give it, then take it back again, and again. The XX/XX/XXXX statement shows 2 {$400.00} credits totaling {$800.00}, and on the same statement there are 2 charges for {$400.00} each, erasing the credits. I only want what the {$400.00} credit I had paid them in XXXX XXXX XXXXXXXX. THE IMPORTANT POINT HERE IS ; I SENT SYNCHRONY BANK THE INFORMATION TO PROVE THAT THE MONEY ORDER MAILED TO, AND MADE OUT TO THEM, WAS CASHED BY THEM. Obviously they are embarrassed to admit that someone in their operation had stole or applied the credit to another account.. This has taken multiple hours of my time and stress communicating with them about a final resolution, to no avail. i am retired and on SS plus physically unable to work again Please help me..