23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

on XX/XX/2021 my check # XXXX was cashed. it was written for {$1300.00} but the person cashing the check got only {$130.00}. This was an error of {$1100.00}. She left the bank without counting her money.

I called the bank to find out what the issue was when my payee called and complained to me about the amount she received. 
On XX/XX/2021 an adjustment appeared on my account debiting the additional {$1100.00} from the account.

Capital one will not put the money back in my account and they say they can not give me info as to where the additional money was sent.

I need a record as to where the money they debited has gone. I want that money put back into my account.

I have spent hour after hour on the phone with customer service supervisors to try to recover the debited money and they refuse to return the {$1100.00} to me.

Please help me get my money back from them.
Product: Mortgage

My mortgage was in forebearance due to Covid until XX/XX/2022. The bank sent me modification paperwork in XXXX with no prior notice or explanation. I did not realize what it was until a week later as I receive alot of XXXX packages for on-line courses I take. Upon realizing what I had received I contacted US Bank and discussed errors in the documents. I was told revised documents would be sent out immediately. To date, I still have never received the revised documents despite my numerous weekly telephone calls. I have spent many hours on the telephone trying to resolve this to no avail. I receive different answers from each person I speak with and continue to get transferred around. I have spent many, many hours on hold only to be disconnected. I am repeatedly told the documents are enroute but they never arrive. In XXXX when I still had not received the forms I went ahead and sent them a check for my XXXX, XXXX & XX/XX/2022 payments but they returned my check stating my account was in foreclosure even though their employees told me not to send any money in until I received and had the modification documents notarized. Although they had advised my first payment would not be due until XXXX I included the XXXX payment to illustrate my good faith since the original documents were dated in XXXX. After my check was returned to me I called them again to discuss the situation but this time was told that I needed to fill out some type of credit application. I completed that document and returned it and again heard nothing. When I called back yet again the employee stated that I needed to complete a second application ( for an unknown reason ) and that it would be sent to me via email no later than today ( XX/XX/2022 ). I have not received any such document, nor have I received any return phone calls even though I have repeatedly asked that they escalate my case to upper management so that I can just straighten this out and pay my mortgage. The employee I spoke with today advised the foreclosure is on hold at the moment but because I have repeatedly been misinformed over the past 4 months I do not trust that this is the case. I am seeking assistance to obtain the corrected modification forms so that I can have them notarized and can resume my monthly payments. I fail to understand how a banking institution can be so disorganized, can employ individuals not trained to do their jobs, and can illustrate such disrespect for their customers as to not even provide the courtesy of a return call when promised. If I had not reached out to them I still would have no idea what it going on as they have made zero effort to reach me by telephone or mail ( Other than the normal monthly statements ). I have tried to be patient acknowledging the effect Covid has had on everyone but this communication breakdown is now jeopardizing the home of myself and my XXXX XXXXXXXX son. I respectfully request your assistance in getting someone with authority at the bank to take the time to finally resolve this. I am unable to upload documents due to volume but have them ready to fax to you upon request.
Product: Debt or credit management

I received 3 different notes in envelope in my front door on different occasions. Concerning calling XXXX XXXX XXXX company/shellpoint. 

I received letters dated XX/XX/XXXX stating a Nonjudicial FORCLOSURE from XXXX XXXX XXXX I called the XXXX XXXX XXXX XXXX, XXXX and spoke with an XXXX in XXXX concerning why my home is in foreclosure? Cause XXXXXXXX XXXX is my mortgage holder. She stated that I needed to talk to Shell point.

I found out that Shellpoint purchased Specialized loan Servicing LLC in XXXX. 
They were the 2nd mortgage on my property. 

I used this property equity to purchase another property. I moved from this property XXXX and moved back XXXX due to financial. 

The property purchased in XXXX was foreclosed. Therefore I thought Specialized Loan Servicing LLC was paid from this. Because, XXXX was the mortgage of all three contacts. 

I talked to a XXXX from Shellpoint XXXX. She took down information stating the amount of the down payment and when its was due. Attached are the payments received by my bank and cleared. My down payment paid was XXXX XXXX. My 1st payment due XX/XX/XXXX ( Sunday ) payments was made XX/XX/XXXX in the amount of {$85.00}. 

Three days after the {$85.00} was paid. I received letters from the same LLC stating they put my home back in NONJUDICIAL FORCLOSURE. And up for auction on XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously followed up and disputed this. On my Equifax report, a debt from " XXXX XXXX XXXX '' shows three incorrect amounts being reported incorrectly under this " XXXX XXXX XXXX  '' and the Accounts and respective amounts are as follows : *Account XXXX - {$110.00} *Account XXXX - {$170.00} *Account XXXX - {$54.00} These amounts should not be appearing on my report and should be deleted since there are no amounts owed.
Product: Credit reporting or other personal consumer reports

I also respectfully request the Capital one provide specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time of is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws
Product: Credit reporting or other personal consumer reports

During a routine review of my credit reports from XXXX, XXXX, and Equifax, I identified several discrepancies and inaccuracies that appear to violate the Fair Credit Reporting Act ( FCRA ). These errors have potentially damaging impacts on my credit score and financial opportunities. 

Discrepancies in Account Totals : I noticed that the total number of accounts reported varies significantly across the bureaus. XXXX reported 30 total accounts, XXXX reported 27, and Equifax reported 18. These inconsistencies suggest a lack of adherence to the FCRA 's requirement for accuracy. 
Incorrect Reporting of Delinquencies : XXXX XXXX report includes two delinquent accounts that are not listed on either the XXXX or Equifax reports. This issue was first noticed in my latest report dated XX/XX/2024. 
Variation in Derogatory Marks : There is a wide variation in the reporting of derogatory marks and collections among the credit bureaus, with XXXX listing 11 derogatory accounts and 2 collections, XXXX listing 9 derogatory accounts and no collections, and Equifax listing only 2 derogatory accounts. 
Inconsistent Balances and Payments : The reported balances and monthly payments differ significantly across the credit bureaus, which could mislead potential creditors about my actual financial responsibilities and status. 
Variations in Credit Inquiries : The number of credit inquiries reported over the last two years also significantly differs among the bureaus ( 10 by XXXX, 14 by XXXX, and 3 by Equifax ). 
These issues were identified through personal document reviews and cross-referencing of reports from the three bureaus over the past few months. I have already initiated disputes with each of the credit reporting agencies but believe the systemic nature of these inaccuracies warrants a closer examination and regulatory intervention by the CFPB.
Product: Credit reporting or other personal consumer reports

I have two unauthorized inquiries on my credit report ( XXXX ) XXXX XXXX XX/XX/XXXX. ( XXXX ) XXXX XXXX XX/XX/XXXX XXXX. I have informed all three credit agencies about these unauthorized inquiries requested that they be removed, but they failed to do so. I had no dealings or any type of business with these institutions, I do not recognize any of these inquiries and I would like the removed from my credit reports. I have also attached a identity thief report along with my identification. Furthermore, I also submitted an old identity thief report that happen with an inquiry that was reported and removed dealing with XXXX XXXX. So why is this happening again! Please removed this from my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a member of Experian. I can log into my account and see what they have regarding my credit report but they have reported alerts in which my email address and passwords are on the dark in three instances and I have questions so I called the number in that section of the web site. The problem is that I have tried 4 times over the last two days. XX/XX/XXXX and XX/XX/XXXX and waited online between 30 to 45 minutes each time and no one ever answers answers. They also give you no idea how long it will be before someone answers. I also see no way to email someone. The only way they show to contact you is by post office mail. They obviously have inadequate staffing and should provide alternatives to contact them other than by sending a letter through the post office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a personal, student, loan with Navient which was discharged in bankruptcy in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, Navient has reported this account delinquent on payments 180 days plus with the credit bureaus which has significantly decreased my credit score and prevented me from getting an apartment.
Product: Checking or savings account

This is a final demand for immediate repayment of {$2900.00}, which Chase has wrongfully withheld in violation of Regulation E ( 12 CFR 1005 ) and 38 U.S.C. 5301 ( protection of VA XXXX benefits ). 

On XX/XX/XXXX, I revoked authorization for multiple unauthorized transactions, including XXXX XXXX, ATM withdrawals, and other charges ( full list attached ). 

On XX/XX/XXXX, I revoked all authorization for XXXX XXXX transactions. However, Chase failed to act on this revocation. 

On XX/XX/XXXX, I submitted a formal revocation of authorization for all disputed transactions. Instead of processing it as a revocation, Chase wrongfully categorized it as a dispute, violating Regulation E. 

Chase had no legal right to process or withhold these transactions beyond XX/XX/XXXX but continued to wrongfully withhold my funds. 

These funds include VA XXXX benefits, which are federally protected from wrongful seizure under 38 U.S.C. 5301.

Under Regulation E ( 12 CFR 1005.11 ), Chase was required to immediately cease processing revoked transactions and return my funds, but instead, they mishandled my revocation, kept my money, and caused further financial harm. 

Chase initially issued provisional credit but then debited it back three times, violating Regulation Es consumer protection rules and unlawfully reclaiming funds that were legally mine the moment they were issued.

Chases actions constitute : Wrongful conversion of my funds.

Negligence in handling unauthorized transactions.

A direct violation of 38 U.S.C. 5301, as VA XXXX benefits can not be seized, reversed, or reallocated without consent. 


I am not requesting a reinvestigationI am demanding immediate repayment. 

If Chase fails to comply immediately, I will : File a lawsuit in Ohio XXXX XXXX XXXX against Chase for wrongful conversion. 

Report Chases violations to the XXXX and the XXXX XXXX XXXX 


I have attached a certified demand letter, which has also been sent to Chases dispute resolution department. Chase must immediately return my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis, XXXX, and XXXX credit reporting agencies Per the FCRA 623 ( a ) ( 5 ) : did not VALIDATE my information with the ORIGINAL CREDITOR, and did not remove the said information from my credit file. NOTE : any 3rd party validation or subscription to PACER is not validation and is a violation of FCRA 611 ( a ) ( 2 ) which requires to notify the party who furnished the disputed information " Federal courthouse and " U.S. Bankruptcy Court " which is an additional violation of section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices by purposely reporting information that they have assumed is verifiable based off circumstances.

As such, FCRA 1681 ( p ) ( 1 ) consumer reporting agency maintaining files for the purpose of furnishing consumer reports to 3rd parties bearing on a consumers credit worthiness, credit standing, or credit capacity ( 1 ) public record information is unverified and unconfirmed information.

According to XXXX Law Dictionary, the person who verifies my information must have first-hand knowledge and willing to testify under oath in a court of law. 
According to 15 U.S.C. 1681 Fair Credit Reporting Act Section 602 ( a ) Accuracy and fairness of credit reporting. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for my right to privacy Privacy Act of 1974, 5 U.S.C. 552a and FCRA 16 CFR Part 660.
Product: Debt collection

From : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To : I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Dear Debt Collector, RE Letter sent from I.C. SYSTEM INC. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$250.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 



Please attach all the requested documents. 
Agreement with you and XXXX XXXX the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Product: Debt collection

Stallings Financial Group has sent 6 to 8 letters 2 days in a row for debt that I do not owe. 3 letters dated XX/XX/2020 stating I have made no effort to attempt to validate a debt for the amounts of {$9.00}, {$40.00}, and {$200.00}. The other set of letters dated XX/XX/2020 stating I have 30 days from the date of the letter to send a request to validate debt for the amounts listed above. I do not owe this company or any other company these amounts and feel like sending multiple sets of letters back to back is harassment. Also when I called to check on this debt I was sent to an automatic recording which prompted me to enter my social security number.
Product: Credit card

I set up all my bills on autopayments. Whether they are bills that need to be paid in full each month or bills that payments are to be made and I keep track of those on a spreadsheet that has the balances and the dates that promo rates expire so that I can be sure to pay those balances off in time. 
On my XXXX Synchrony Bank Mattress Firm statement I saw that my promo balance of {$120.00} was going to expire on XX/XX/XXXX. The auto payment on this account is {$100.00}. So i made an additional payment early on XX/XX/XXXX ( {$25.00} ) so that when the auto pay on XX/XX/XXXX happened it would pay off that balance. I didn't think anything of it since I felt I was on top of it and just checked in on this account today and was shocked to see that the XX/XX/XXXX payment was only made for {$78.00} and I had been charged the entire deferred interest of {$420.00}. 
I immediately contacted Synchrony and the agent couldn't help me so I escalated to a manager by the name of XXXX ( ID XXXX ) and was informed by her that there was nothing they could do to reverse the deferred interest since I didn't pay it off in time. I explained that if they look at my history and the amounts that I paid and the extra amount I paid in XXXX that they could tell that my intent was to have that paid off. I asked why in the world would I leave it a little short when I was going to have to pay deferred interest? 
Her explanation was that part of the payment was going to the other promo rate that I had on there that doesn't expire until XXXX. So that left me short. My reply was that no where does it break down what part of each months payment go to different balances. It shows the total of the previous amount paid. I thought this was supposed to be the practice of all credit cards is that payments made go to the balance with the highest rate or with the nearest expiring rate? 
She explained there is nothing she could do because I agreed to pay the balance before the promo expired or else I'd be charged interest. I feel the way payments were applied and the way the balance to pay off is presented is very deceptive. It should be explicit on the statement which part of each payment goes to which balance versus a lump payment amount. It should also explain that if you make additional payments in a month that it impacts your auto payment. No where did it come out and say that the auto pay amount would change. The numbers add up as to what my intent was. She ultimately said there was nothing she could do.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Items on Credit Report Under 15 U.S.C. 1681i To Whom It May Concern, I am formally disputing inaccurate and fraudulent accounts on my credit report that are negatively impacting my credit score and history. Despite my diligent efforts to resolve this matter directly with Experian, the issue remains unresolved. Therefore, I am requesting an immediate investigation and removal of these unauthorized accounts under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i. 

The disputed accounts are as follows : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were fraudulently opened in my name without my consent. I have already filed police reports regarding this identity theft. 
Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within XXXX  days. Since Experian has failed to adequately resolve this issue, I am requesting CFPB intervention to ensure compliance with federal law and the immediate removal of these fraudulent accounts. The continued presence of these accounts is unjustly damaging my creditworthiness, and I expect a prompt resolution. 
Please confirm receipt of this dispute and keep me informed of any updates regarding the investigation. Should you require any additional information, I am happy to provide it. I appreciate your urgent attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XX/XX/22 ) Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : brigit/coastal communi
Product: Debt collection

I.C. Systems Inc. ( 3rd party collections for XXXX XXXX ) is in violation of the FCRA regarding this account of {$470.00} by attempting to collect on a debt older than allowable years for reporting amongst other violations : I am requesting assistance in having it cleared from XXXX in specific. This account was removed from XXXX and XXXX for FCRA violation ; the same as I'm requesting it be in this instance. 
I have disputed through the online dispute option. The dates being represented are misleading as to origination of the debt 's dates. 
Also, the debt 's time within a third party collection cycle has negatively impacted my credit for longer than the " reasonably stipulated '' penalty timing/ phase on a credit report.
Product: Credit reporting or other personal consumer reports

This company was removed from all 3 of my reports due to fraudulent information and data breach at XXXX that released sensitive information. I've already filed multiple claims with XXXX due to the breach. However, this has returned back on my report recently after it has already been removed.
Product: Credit reporting or other personal consumer reports

I'm grateful for the steps taken by the credit bureaus in clearing out all the past unauthorized inquiries from my credit history. Nevertheless, there's still XXXX issue lingering on my Experian Credit Report. I've come across this troublesome inquiry that appeared in my aforementioned credit report. Once again, I'm requesting Experian to remove this particular inquiry : EXPERIAN : XXXX XX/XX/2023