23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX from my credit report but transunion is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cash didn't protect my account after fradulant charges occured in my account and money came up missing and I couldn't get in touch with anyone at cashapp to helpr. They haven't released the documents showing all of the FRADULANT charges that I had to pay for. Now there is a lawsuit about this against them but I'm not included because cash app has not paid me, sente notification or anything related to this lawsuit. That I should be included as a plaintiff.
Product: Vehicle loan or lease

We brought a used car whose value is {$18000.00} + other charges of around {$6000.00} So total value is {$25000.00} and we paid {$10000.00} down payment in cash and for the remaining amount we do financing from capital one. Now when we checked on capital one website it shows us that the value of vehicle is {$35000.00} and we have to pay {$25000.00}. I dont understand it because the vehicle market value is {$19000.00} then why the dealership is charging us {$10000.00} more. We also approached the dealership but they refused to talk with us. 

XXXX. XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX A letter was sent to me in an attempt to collect money to a closed account. 
The account was closed by PayPal on XX/XX/XXXX. 
I do not know of this account PayPal Credit is referring to XXXX. 
The money that PayPal credit is trying to collect is a third party collection. 
Synchrony Bank is the creditor PayPal Credit is the collector PayPal is some how included Since My PayPal Account is closed I have no way of disputing these false charges. 
These Companies also are not licensed in the state of Connecticut as banks or as collection agencies.
Product: Checking or savings account

Wells Fargo Bank -attempted a wire transfer from my savings account on XX/XX/XXXX. The account was then shut down and I was unable to do any online banking until I came physically into a wells fargo bank site and verify my identity. I did this on the following Monday XX/XX/XXXX and spent over an hour and XXXX on the phone with the fraud department explaining the purpose of this wire. They stated they were investigating the wire and would hold funds until cleared.I called again on XX/XX/XXXX asking for the return of my funds as wire did not happen and was told I had to file a claim. I asked for a return of my money to my bank account that day as well. The claim number ID is XXXX. The rep I spoke to stated it would be refunded within and could take a maximum of 10 days. Today is XX/XX/XXXX and I still do not have MY MONEY back into my account. I have bills coming due and do not have the funds to pay so this issue will make matters much worse for me. This is illegal and needs to be taken care of immediately.
Product: Mortgage

Dear CFPB : LoanCare LLC sold our loan ( number XXXX ) for our home located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX to another loan company, XXXX XXXX, in XXXX. 

We are due a {$4000.00} escrow refund check, which we've yet to receive, and is now 3 years late. 

On XX/XX/XXXX, I received a letter from LoanCare ( see attached ) stating " We issued you check number XXXX for your mortgage loan in the amount of {$4000.00} on XX/XX/XXXX. Refunds are usually due to excess funds in the escrow account. As of XX/XX/XXXX, our records indicate that this check has not been cashed. '' This letter sent to me dated XX/XX/XXXX arrived at our new address in XXXX XXXX, so LoanCare clearly knows where to find us. It included directions about filling out the form ( which I've attached ) and mailing it to a po box . I did this immediately. We received no response. 

I followed up with LoanCare on XX/XX/XXXX. They claim to have no record of our mailed written response. They told me to email the form to XXXX. I did this on XX/XX/XXXX. I received an automatic reply ( attached ) that I would receive a response in 4-5 business days. I received no reply.

Today I called again, and the Loancare representative said that this email address does not exist. She also said that there is no phone number for me to call in order to speak directly with any division. She suggested that I send a fax. I do not own a fax machine.

I see hundreds of complaints about this EXACT same issue : XXXX XXXX XXXX I have no proof that LoanCare mailed the original check. USPS sends me photos of all forthcoming mail. We resided at our former address XXXX XXXX XXXX XXXX XXXX XXXX ( where LoanCare claims to have sent a check ) until XX/XX/XXXX. Our mailbox was a locked device only accessible by us and the post office. We never received a check from LoanCare. 

As my phone records and emails prove, I contacted Loancare numerous times in XXXX about our escrow refund. LoanCare representatives insisted that they did not owe me any refund, and never mentioned issuing this check. 

LoanCare is clearly not working in good faith to resolve this in any manner. 

Please help me resolve this. 

My desired outcome is that someone from LoanCare contacts me and also immediately issues my three-year-late escrow refund check for {$4000.00} and sends this check to me immediately at : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone : XXXX email : XXXX XXXX
Product: Vehicle loan or lease

I have reached out to capital One over a dozen times in the last XXXX days but Im unable to reach a single person in their auto loan department. Every single time I call, I get bounced around their automated system and then hung up on.
Product: Debt collection

On XX/XX/2021 I sent a verification letter to excise my rights under the FDCPA to United Revenue Corp to verify the debt. On XX/XX/2021 the company sent me a response letter stated the account has been verified, without providing me with any proof on how they verified the accounts nor contact number to whom they spoken with. On XX/XX/XXXX I called United Revenue Corp due to their response, I stated I have no knowledge of these accounts and need for the company to send me proof of signed documents. The Rep at United Revenue Corp stated that she don't have my documents to verify and I need to call the Emergency Department and speak to the Physician. 

I also
Product: Debt collection

I am not aware of what this debt is about. I saw this debt on my report, it was removed last XXXX and I now see it returned a few months ago.
Product: Mortgage

Hi I just received a notice that I have an escrow shortage with US Bank. I closed in the month of XX/XX/XXXXseveral years ago. 
They are rebalancing my escrow and say I owe XXXX or I can have a new payment of {$1300.00}. I can't afford either. 
After investigation with my insurance agent, they told me the correct binder and amount of my insurance was submitted to the lender, with my name, address and loan number with a premium amount of XXXX. 
The lender last year revised my escrow account on an insurance binder that was not mine, it didn't have my name, address or loan number on it and was for {$1000.00}. They even sent me a copy of that binder, which is a violation of Personal Private Information -PPI.They changed my escrow payment to a lesser amount and when they discovered their error and paid my insurance company the correct amount. They never notified me or adjusted my escrow to reflect the correct amount that they had processed erroneously. Now I have a large shortage which is their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX XXXX XXXX. They have informed me that they have reported the accounts as closed and the accounts should be deleted month ago. I have called the credit reporting agencies. The only thing that has occurred is extension of investigation, despite additional information not being received. They have also granted me letters stating that they have deleted the accounts, however the accounts are still showing up on reports as unpaid collections. 

Additionally, I have submitted online documents showing that XXXX XXXX is reporting innacurately reporting a lease break. I provided documents showing the Contemplated Lease signed as part of the application process. I provided Lease Disclosure on Page 52. that states that this Contemplated Lease is not approved until the Manager signs it. The manager has not approved or signed it. I withdrew my application prior to approval. The manager ignored my withdrawal and charged me with a lease break. 

I provided 1 ) Contemplated Lease ( mandatory-part of application for apartment XX/XX/2018 2 ) Email- The email withdrawing application XX/XX/2018 3 ) Invalid Lease ( See time stamp on last page-Manager signed online XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian numerous letters stating that they have inaccurate addresses on my credit report and need to be removed immediately, however they have not responded to me or updated any information. on my credit report.
Product: Checking or savings account

I deposit a check on my business account, chase bank holding the check for more then 10 days before clear this is not the first time they doing this. I have a remodeling company how I m going to keep the business up running if they can not clear a stupid check? This is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit investigation on XXXX XXXX. More than 45 days later, and I have yet to receive a response from Equifax. They are supposed to respond within 30 days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

oliphant XXXX is on my credit report, my identity has been stolen 3 times in the past 3 years total amount is {$2100.00}
Product: Credit card

I have a The Home Depot Card credit account with Citi. In the last 12 months or more, I 've had at least XXXX or more promotional 0 % financing deals expire, costing me $ $ in interest, even though I 've paid Citi more than enough money to completely pay off the promotional amount. The C.A.R.D. act allows them to do this because the lender is allowed to apply minimum payments how ever they see fit until the last 60 days before promotional expiration. It would be better for the consumer if the consumer could simply instruct the lender how to apply the FULL payment, instead of just what is in excess of the minimum payment. What is the significance of the minimum payment being included in the law anyway? And lastly, my statements sometimes CLEARLY show how my payment is applied. Other times, my statements actually do NOT clearly show how my payment is applied. For example : sometimes the statement shows that my full payment ( minimum amount, plus any excess payment ) is applied to my current interest bearing balance, and nothing is applied to my promotional balance. But SOMETIMES, my statement does not show the allocation of my payment. Instead, my balance simply goes down some. But I have to do the math myself ( add payments and credits back to my current balance, then subtract any new purchases or interest charges, and then compare that amount to my current balance on last month 's statement ), to see how my balance is effected by my payment. I though that the C.A.R.D rules were supposed to protect users from statement confusion & hidden charges. I believe that clearly showing how all payments are applied on each and every statement would be a pretty obvious way to avoid confusion. Lastly, the personnel at Citi were happy to tell me how they controlled my payment allocation in most situations. XXXX interrupted me, raising their voices, repeating explanations, or worse, explaining that they had already explained. XXXX stated that he works in the Tennessee service center for Citi. I assume that XXXX does, as well. I could actually HEAR the smile in their voices, but XXXX went so far as to giggle. If they record calls, and the company wants to know how NOT to treat clients, they should review the call.
Product: Checking or savings account

I was charged {$75.00} on XX/XX/year> by XXXX XXXX XXXX for a deposit made to my friend 's inmate commissary account. However, the money was credited to his " inmate account, '' which is a different thing. This meant that it could not be used to purchase commissary items. I contacted XXXX customer service but was denied a refund. 

I filed a claim with Chase to have the charge reversed on XX/XX/XXXX, and was credited {$75.00} to my account. On XX/XX/XXXX, I received a notice saying my claim had been reviewed and dismissed, and that Chase would be charging me {$75.00} in the next few days.
Product: Credit card or prepaid card

On XX/XX/2022 I tried to make a online payment. The payment did not go through and no confirmation number was given. I called and attempted to make a payment on the phone and was informed the account had been closed due my credit union rejecting 2 prior payment attempts stating there was a account number entry error.

I asked the gentleman working at sam 's club synchrony bank if the payment that I had attempted to make would be withdrawn from my account and he stated " no the account is closed ''. I immediately went to sam 's club and made a debit card payment. On XX/XX/2022 I found out the sam 's had taken the online payment from my bank account. 

I immediately called sam 's synchrony bank asked for the online payment to be returned to my account and was told sams would return the money in 7 to 10 business days. 

I have made at the minimum of 5 calls as of XXXX to inquire as to the the status of the return payment of the balance of my sam 's club account {$1100.00} and now have been told that Sam 's is not wanting to return the money because they don't know if the bank actually paid them. 

I have included the copy of the statement from Sam 's club account which shows the credit balance of {$1100.00} sitting in a now CLOSED account and the statement from my bank showing the two payments that were withdrawn and paid to sam 's club synchrony bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit score status in XX/XX/XXXX and it shows a closed credit card account from bank of America. I have never opened a credit card, checking or savings account with them so I called their 1800 number and they couldn't find me in the system with my SSN # but they found me with my name last name and date of birth with a different social security number I dont recognize because it doesn't belong to me. The ssn # I provided when my information was being verified didnt match with the one they have in their system. I dont understand how is going to affect my credit if they dont even have my SSN # in their system, Why they didnt report it using the ssn # that person used in XXXX?. I wasnt even living in XXXX back in XXXX I came from XXXX XXXX in XXXX. 
This only was reported to XXXX, It was never reported to XXXX or XXXX. I have been submitting several fraud disputes with XXXX since XX/XX/XXXX and every time the dispute gets completed they state that bank of America is saying that the item belongs to me. How the Item is going to belong to me if BOA doesnt even have my SSN # and every time I call BOA they state that it shouldnt have been affected my credit score because my social security number was never used to open an account with them. My SSN # is not being used to open accounts with credit card companies or banks, only my name and date of birth was used to open the account with BOA.. 
I dont think XXXX is trying to help me. Every time I talk to agent from XXXX they sound like they dont know what they are doing and also they can never answer my questions. 
This is affecting my credit and I need to get this resolved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXXXXXX XXXX XXXXeported XX/XX/year> 15 U.S.

C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions
Product: Checking or savings account

Chase bank have restricted my account with no justifyable reason. They are holding on to my funds and this is the worst banking experince i have ever had to endure. I no longer wish to bank with this bank and i would like my account closed and my funds mailed to me cashier check. thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a inaccurate account for utitities on my credit report. The account is L.J. Ross & Associates. This is inaccurate because I was XXXX for XXXX XXXX military. My orders are attached
Product: Debt collection

Approximately XXXX, I paid XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX XXXX XXXX to vacate the eviction and I signed documents to accept the offer. I even got rental help by an agency here in XXXX which paid them XXXX which was the maximum amount they would pay. This eviction/judgement that's being reported on my XXXX credit report is false and its hindering me from getting an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX never late
Product: Credit card or prepaid card

The credit card company American Express offered a XXXX XXXX offer, which was purchase over {$500.00} and get {$100.00} back. I enrolled in the offer and made a purchase over {$500.00} from XXXX XXXX website. However, the credit card company said I enrolled in the offer after I made the purchase and refused to give me the {$100.00} cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/2022 to XXXX, Transunion, and XXXX. Here are my tracking numbers : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 

The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who they talked to? 

How did they complete this investigation?
Product: Checking or savings account

Money was stolen from my account XX/XX/year> On XX/XX/year> the money was credited back and another $ XXXX was deposited into my account from federal tax return. Same day my account was locked. I have called multiple times to request that the transfer my money to my linked bank account and they refuse. I'm being told to wait until an undisclosed time for a different department to email me about how to receive my funds, and I'm told that I can't speak to anyone from that department because they only operate through email. I was told on XX/XX/year> that I would receive access to my funds within XXXX businesses days in it has now XX/XX/year> been XXXX business days.
Product: Mortgage

After the XXXX of every month I receive a collections call from Wells Fargo Home Mortgage. This call is because I do n't pay on the XXXX. I have until the XXXX til a late fee is charged. I have the whole month to pay. I get XXXX calls a day! I am not behind in any payments.
Product: Mortgage

XXXXXXXX XXXX XXXXXXXX financed my new house in XXXX, TN with the " Intention '' of servicing the mortgage themselves. 
Instead they sold the mortgage to PHH Mortgage. 
In and of itself, that is not an issue. The issue is that I made monthly payments and the XXXX payment seems to have not been recorded as paid. ( sold XX/XX/2021 ) I submitted the XXXX  XXXX XXXX XXXX 30 days ago via fax and email indicating the payments had been made, but so far, PHH has not responded and are still showing me late for XXXX when in actuality, XXXX was made on time and they credited the money towards XXXX.