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

Based on the provided credit report information from TransUnion, XXXX, and XXXX for the XXXX XXXX Bank account, here are the inconsistencies and inaccuracies in the data between each credit bureau Account Type - Detail : TransUnion and XXXX report " Revolving account, '' while XXXX reports " Credit Card '' as the account type detail. This is an inconsistency in the account type detail. 
Bureau Code : TransUnion and XXXX report " Individual account, '' while XXXX reports " Individual Account '' as the bureau code. This inconsistency is minor but still exists. 
Monthly Payment : TransUnion reports a monthly payment of " {$0.00}, '' while XXXX and XXXX do not provide this information. The inconsistency is that TransUnion has a specific monthly payment amount, while the other XXXX bureaus do not report any monthly payment. 
No. of Months ( terms ) : XXXX reports " Revolving '' under this field, while TransUnion and XXXX do not provide any information. This inconsistency is that XXXX specifies the term as " Revolving, '' while the others do not have this data. 
High Credit : TransUnion reports a " High Credit '' of " {$640.00}, '' while XXXX and XXXX do not provide this information. The inconsistency is that TransUnion reports a specific high credit amount, while the other two bureaus do not report it. 
Payment Status : TransUnion reports " Charged off as bad debt, '' XXXX reports " Charge-off, '' and XXXX reports XXXX CO '' ( which also signifies a charge-off ). While they all indicate a charge-off, the wording and abbreviation used are different. 
Last Reported : TransUnion reports the last reported date as " XX/XX/2023, '' XXXX as " XX/XX/2023, '' and XXXX as " XX/XX/2023. '' There is a discrepancy in the last reported date among the three credit bureaus. 
Date Last Active : TransUnion and XXXX report " XX/XX/2023, '' while XXXX reports " XX/XX/2023 '' as the date last active. This is a significant discrepancy in the reported date last active. 
Two-Year Payment History : TransUnion, XXXX, and XXXX provide different information about the payment history for the past two years. Each bureau has its own set of months and year-specific data. This inconsistency is due to differences in how each bureau reports this history.
Product: Mortgage

My original mortgage lender ( XXXX  ) sold my loan to Flagstar Bank. Simultaneously, I started working with XXXX XXXX  to refinance my loan. This is important to note that I did not choose to engage in business with Flagstar. XXXX XXXX paid of my loan on XX/XX/21. See attached documents for entire history with Flagstar. The payoff amount that was sent created a refund of XXXX, plus an escrow balance of XXXX created a total refund owed to me of {$4000.00}. I had never needed as refund before so I call Flagstar around the XXXX of XXXX and ask how it would work. They said they had 20 days to return the money and the check was scheduled to be mailed on XX/XX/XXXX. On approximately XX/XX/XXXX I received the original promissory note showing the loan paid off but no check. Per the envelope it was mail on XX/XX/XXXX. I called back around the XXXX and ask why I hadnt received the check with the note. They said the check could take the mail another 15 days. This made no sense. After having not yet received the check as of XX/XX/XXXX, I called back. A stop payment was put on the check and I was told a new check was going to be mailed out. I asked if the check could be sent XXXX  with tracking, ideally overnight. XXXX  manager was supposed to call me back. I did not get a call. After waiting 8 days and still no check I called back on the XX/XX/XXXX. I was told the check was created on the XX/XX/XXXX, but a manager was supposed to call me back to see if the funds could be wired. On XX/XX/XXXX, I called back and was told the check had been mailed on the XXXX. I asked for a wire to be send instead because the original check never made it to me, even after stop payment and the second check already appeared to be lost. The second check hadnt yet arrived after 5 days after the promissory note proved the mail only takes 2 days from Michigan to Colorado. The reps have lied, been deceitful, have not address the issue, are non-compliant with the regulation around refunds by mortgage lenders. They have placed the blame on the postal service and refused to seek alternative remedies such as wire transfers or XXXX  with tracking. This attitude extended all the way to the most sr. manager ( that I know oversees other managers ) of the payoff department named XXXX. Honestly, I feel they are holding my funds and using excuses. Returning my funds should not be this hard and I need help. This could go on indefinitely. {$4000.00} is enough that can cause hardship when a person still has another mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  : Account # XXXX XXXX XXXX  : Account # XXXXXXXXXXXXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX 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 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: Credit reporting or other personal consumer reports

Lexis nexus has fraudulently up dated the wrong information on my credit profile I never lived at address stated and my name is XXXX XXXX I have letter verifying that XX/XX/XXXX bankruptcy does not give out information to 3rd parties FCRA Section 611 ( 15 USC 1681 ) the privacy law has been revoked in this case and is grounds for me to sue for defamation of credit also pacer only gives out the last 4 of ss not the whole nine numbers so therefore you can not verify who bankruptcy that belongs to! My consumer rights of privacy has been invaded and falsely accused
Product: Checking or savings account

My checking account with Capital One 360 was recently closed because of a XXXX party deposit that was made to my account. The amount of the deposit totaled {$9400.00}. For 4 months I made numerous calls to Capital One to reverse the transaction to the company that sent it, but I was told that I could not request a reversal of the transaction and that the company that initiated it would have to request it. All of my funds in my account were frozen, not just the deposit in question. Other than the {$9400.00} in my account, there was also {$3300.00} of my money from my pacheck deposits, and XXXX deposits -- which are all verifiable as mine. There was no issue at all with any of these funds. 
Finally, after several months and a complaint filed with Consumer Finance, Capital One reversed the 3rd party deposit. But instead of taking {$9400.00}, which is the amount of the 3rd party deposit - they took out {$11000.00} - an additional {$1600.00}. That {$1600.00} is MY money, and has nothing to do with the 3rd party deposit. They then closed my account and sent me check for what was left in my account - {$1600.00}. I have had no explanation as to where my {$1600.00} is. This is plain and simple THEFT by Capital One. I was to know why they withdrew more than was deposited by the 3rd party and where it is. I dont understand how Capital One can steal from accounts and think they can get away with it. I am uploading a snapshot of the 3rd party account that shows the total deposited which is now owed to the sending company. It totals {$9400.00}. NOT {$11000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX was paid off on XX/XX/2022. 
Three times payments on XX/XX/2022 for pay off. 

Payment confirmation numbers XXXX, XXXX and XXXX. ( see attached files ) Everything paid off, XXXX should update Paid off information to credit bureaus and should delivered title to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I tried to contact to XXXX but they dont pick up phone call. 


XXXX
Product: Credit reporting or other personal consumer reports

fcra and ftc violations, 15 u.s code 1681a ( 2 ) ( A ) ( i ) ,15 u.s code 1681e ( b ), 15 u.s code 1681i, 15 u.s code 1681i ( 5 ) ( a ) ( i ), 15 u.s code 1681 c-1 violation, 15 u.s code 1681 c-2, 15 u.s code 1692g validation of debt requested multiple times requested copy of the application for credit on the accounts listed, requesting copy of cardholder agreement or contract and any amendments that may have been made thereto as this will show what the terms of the contract are so i can see exactly what you are pursuing and the amount that you are trying to collect from me. a copy of the full purchase agreement between you and the original furnisher or furnisher in chain, so that i can be sure that you have the proper legal capacity and authority to collect this alleged debt that you claim that i owe you. as you can surmise, i have never done any business with you.

The following addresses are not mine. - 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
Product: Checking or savings account

Have a savings account with Chase Bank. I was told I would be receiving a check for the balance of the closed account ~ {$8000.00} and nothing has been received. 

I was told I would receive a check for the balance of the account but there appears to now be no communication or remittance of the balance. 

The account may remain closed, I am merely looking for the funds to be issued to the address on the account by check ASAP to formally complete this XXXX
Product: Money transfer, virtual currency, or money service

XXXX. Cash app took XXXX payment from my checking account = XXXX but only added XXXX of that to my Cash account. I disputed it and then they denied the claim I had to get XXXX involved I did get my XXXX bucks back but that wasn't the whole problem the whole day so they sent a payment to payments {$30.00} each to the same person I sent this person {$120.00} and XXXX cash sent him XXXX. Now I asked my friend if he received XXXX {$30.00} payments he told me no he said he received the {$120.00} and a {$30.00} payment but it shows that it took XXXX out of the account one from XXXX and then one from cash now the XXXX transaction payments have the same time signature on it at XXXX. I disputed it they denied it they don't look at the information they don't want to hear nothing they just wanted to deny everything I'm not trying to beat them out of {$30.00} they are giving away my money and trying to take more than what belongs to them I had to get my bank involved for them to listen to give me my money back. A guy from cashapp calls me in a very accusatory manner so I hung up on him he was just being ridiculous like he was trying tinterrogate me I refuse to be badgered by cash app. And when they send you a denial all they say is what we did the investigation end from your records we noticed that you send him money a lot I do not denying but that doesn't give him a free Passage for their mess ups and I shouldn't have to eat it. 
Cash app systems always crashing they know their system is horrible and they'll even stay it was down whatever we're having a problem with payments and then make you fight for your money that they refuse to give back, knowing that it was their mess up that is a XXXX of a system and want to play games by locking your card. 

I don't want my bank card on the web, I really am not trying to beat them out of {$30.00} that's absolutely ridiculous they're the ones running a scam and yes I have made and filed disputes with them because they mess up. Then they tie your money up for 10 to 20 days which is ridiculous so if you look at both of those {$30.00} transactions XXXX XXXX they were both made at XXXX one from XXXXXXXX XXXX the other one from Cash Card so they took the {$30.00} that was already in my account and paid him and then didn't add the XXXX from my bank but we got that cleared to the bank but I'm still missing the {$30.00} that they sent to XXXX XXXX that was an authorized {$120.00} was and a XXXX payment not 2 {$30.00} payments. But they don't make mistakes they don't deny claims just like they didn't deny the one with my bank too when it was clear black and white where it says it took out but it didn't add two
Product: Checking or savings account

I deposited a check with capital one the check was reversed and the money had been withdrawn from my account I called to let them know a week ago now I cant access my account and make purchases or payments. They give me the run around and they want to verify it with XXXX XXXX even though they took the money out
Product: Credit reporting or other personal consumer reports

Hi, I've been grappling with correcting errors on my credit report for months now and it is exhausting. Maintaining a strong credit standing is crucial to me, yet these inaccuracies have significantly harmed my financial opportunities and emotional state. Unfortunately, my efforts to address these issues have been consistently overlooked, compounding the negative impact on both my personal life and creditworthiness.
Product: Credit reporting or other personal consumer reports

Details of the Dispute : 1. Inaccurate Reporting : I have identified an account ( XXXX XXXX ) that is not being reported correctly on my credit report. Experian has recently decided to report that this account is in collections as recent as XX/XX/XXXX all the way back to XXXX of XXXX. Every time I dispute this account they change it back to showing the account was in collections as of XXXX of XXXX. They have not provided proof for either of these reportings. I have disputed multiple times. 

2. Attempts to Resolve : I have made multiple attempts to contact Experian to correct this inaccurate information. Every time I file a dispute with them they change the report back to its previous status.

3. Negative Impact : As a result of this incorrect reporting, I have experienced multiple declined credit requests, higher interest rates, and other negative actions. This situation is not only affecting my financial well-being but also my overall quality of life. 

Demand for Resolution : Given the ongoing issues and the negative impact on my credit profile, I demand that Experian : - Remove the account in question, as it has not been reported correctly after multiple reasonable attempts to have it corrected. 
- Provide me with written confirmation of these actions. 

I trust that the CFPB will take my complaint seriously and investigate this matter thoroughly. It is crucial that credit reporting agencies like Experian adhere to the Fair Credit Reporting Act and ensure that the information they report is accurate and up to date. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the actions taken on my behalf.
Product: Credit card

Chase " XXXX '' business credit card claims a 30 day billing period but it is only 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. Experian has not updated my personal information after providing them with my official government drivers license and social security card which is my official identity. Any other names, address, birthdays are fraudulent. I have filed a complaint with FTC, to get Experian to report accurate personal information. Experian keep saying without verifying the name variation are tie to accounts. This is not accurate. If name variation is tie to other account is fraudulent and this is why I am requesting that Experian only use the personal information on my official drivers license. Attached is a copy of my driver license and ssn card.
Product: Credit reporting or other personal consumer reports

Bankruptcies are being reported on my credit report and the information being reported is incorrect. I addressed this with the credit reporting agencies and they claim that the information they obtained from their investigation is " Verified '' as correct. They failed to provide me with the source ( s ) which provided the information to them other the the Court address and telephone number. The dates in which they received my certified mail and they claim they conducted an investigation are during the weekend, in which we all know the courts are not open on the weekends. They have falsified the source in which they obtained their information. I addressed the Courts and I was informed that they do not report " ANY '' information to Credit Bureaus or Third Parties. I also sent a letter from the Courts website which substantiates the information the Courts gave to me, which I provided to the Bureaus ( TransUnion, XXXX, and XXXX ).
Product: Credit reporting

Equifax is blatantly reporting my current mortgage as " Included in Bankruptcy '' in XX/XX/XXXX. 
The account was just opened and attached is the current status of the account which is " Pays As Agrees '' as of XX/XX/XXXX. The account in question is : Loan # XXXXI am constantly correcting issues with my credit report with Equifax, who is the only credit bureau reporting this incorrectly and this has been on my file for over 30 days. I am filing this report as the first step in lawsuit against Equifax. The issue has affected my credit status and I respectfully ask the CFPB to investigate laws broken by Equifax.
Product: Credit reporting or other personal consumer reports

Equifax locked my credit file claiming something about fraud. Although they are able to verify my identity via phone and I can access my account and credit report, they still required me to mail in two verification documents. I am applying for apartments and can not afford to have my credit file locked as it already caused issues. Why wasnt I notified of this before I needed to have my credit checked? Why am I able to verify myself enough so that I can pull the report, yet they still require a mail in verification that takes up to a week so that other creditors can run the report. This is just plain ridiculous and I would consider it extortion.
Product: Mortgage

Hello, My name is XXXX XXXX and I am writing on behalf of my father XXXX XXXX, who is not getting any information from Citizens Bank. 

My mother did the banking and she passed away from XXXX on XX/XX/XXXX. My father does not speak much XXXX and has medical issues, so I have been handling his finances. 

We were made aware in XXXX of XXXX that my parents home equity line of credit was coming due. They were offered a loan modification with a 4 % interest rate on their loan that has XXXX left to pay. 

I contacted Citizens and advised them that my mother passed away. I was told to have my father sign the document and send this in plus a copy of my mothers death certificate. 

I spent the next XXXX  months calling Citizens and was ensured that we would get a call back. This did not happen until XXXX when I was told that they lost the documents and wanted me to submit the docs again, While waiting, we saw the interest rate and payments go up. My father is on social security and lost the second income to the home when my mother died. I stressed this to the bank and was told they were going to help him. 

All of a sudden they converted my father into a mortgage without our knowledge and have doubled his payments. I called multiple times and asked about the status of the loan modification and I can not get anyone to return my call. They just tell me that the loan is still in process. 

My father and I believe that Citizens are withholding information and are not giving us any information in order to not process the modification. This is not good Customer Service and we hope that someone can help us to understand what is going on. 

My family does not need this headache, especially after losing my mom. 

If someone can contact me it would be appreciated.
Product: Debt collection

To whom it may concern, This is in reference to my/our consumer report. While checking my/our consumer report, it came to my/our notice that your company has furnished an account on my/our report.

According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my/our rights as per 15 USC 1692c ( c ) I/we are hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, email, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collections Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Vehicle loan or lease

Vehicle was repossessed before insurance claim payout, which would have satisfied the loan. Repossession was premature ; please remove this entry as the debt would have been paid in full. 

FORD MOTOR CREDIT WAS PROVIDED WITH NOTICE & POLICE REPORT THAT THE VEHICLE WAS IN A NOT AT FAULT ACCIDENT ON XX/XX/year>. 

THE POLICE REPORT REFLECTS INSURANCE COVERAGE FROM BOTH INVOLVED PARTIES. 

THE VEHICLE ALSO HAD GAP COVERAGE. 

FORD REPOSSESSED THE VEHICLE XXXX HOURS BEFORE INSURANCE WAS SCHEDULED TO TAKE POSSESSION OF THE VEHICLE AND PROCESS THE PAYOFF. 

THE AT XXXX XXXX XXXX INSURANCE IS RESPONSIBLE FOR THIS DEBT - FORD PREMATURELY REPOSSESSED THE VEHICLE BEFORE INSURANCE WAS ABLE TO TAKE POSSESSION OF THE VEHICLE. 

I HAVE BEEN CONTACTING FORD FOR MONTHS TRYING TO RESOLVE THIS ISSUE AND HAVE RECEIVED XXXX RESPONSE.