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

I am writing to express my deep frustration and dissatisfaction with the lack of progress in resolving the fraudulent items on my account, despite multiple attempts to rectify the situation. 

I have diligently followed the appropriate procedures and channels to report and dispute the fraudulent items appearing on my account statement. I have provided all necessary documentation and evidence to support my claims of unauthorized transactions. However, despite my numerous attempts, the fraudulent items have not been removed from my account. 

This ongoing delay in addressing the issue is unacceptable and has caused significant distress and inconvenience. Not only do these fraudulent transactions compromise the security of my account, but they also tarnish my financial reputation and integrity. 

I demand immediate action to rectify this matter and promptly remove the fraudulent items from my account. Additionally, I expect your institution to conduct a thorough investigation into the source of the fraudulent activity and take appropriate measures to prevent similar incidents from occurring in the future. 

Furthermore, I request regular updates on the status of the investigation and the actions being taken to resolve the issue. It is essential that your institution demonstrates transparency and accountability in addressing this serious matter. 

Failure to take immediate action to resolve this matter will leave me with no choice but to escalate this complaint to the relevant regulatory authorities and seek legal recourse to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I made payments on my student loans in XXXX and XX/XX/XXXX. My account was put into forbearance by MOHELA in early XX/XX/XXXX due to my bill for XX/XX/XXXX having not been sent on time. As part of the new PSLF rules as published online ( https : //studentaid.gov/manage-loans/forgiveness-cancellation/public-service/questions # qualifying-payments ), additional payments can be handled as follows : " You may prepay, or make lump-sum payments, which first apply to any months during which you missed a payment and then would apply to future months up to your next income-driven payment ( IDR ) plan certification date or 12 months. For example, if you recertified your IDR and your monthly payment was {$100.00}, but you paid {$1200.00} for the first months payment, that payment would count as 12 separate monthly payments for that year. You would not need to make another payment until the next 12-month cycle when you have to re-certify your income for IDR. These payments would count as qualifying payments toward PSLF forgiveness once you certified your employment with a qualifying employer for the same 12-month period ( which you cant do in advance ). '' In reviewing my payment history, I noticed MOHELA applied my XXXX and XX/XX/XXXX payments to principal only even though I previously indicated in my account that I want additional payments to be applied to paid ahead status. When I called MOHELA to confirm my payments from XXXX and XXXX should be applied to my payments due in XX/XX/XXXX and XX/XX/XXXX, I was told this is not possible and the only option was to have them applied to the principal balance. My income re-certification is due in XX/XX/XXXX. I attempted to escalate this concern to a manager but was unable to connect with one. Based on the information published on studentaid.gov, MOHELA 's management of my payment is not in congruence with current standards.
Product: Student loan

XX/XX/XXXX, I have been contacted on several occasions by Trellis company about a student loan from Texas Guarenteed from XXXX, from XXXX that was discharged in XX/XX/XXXX. I have send correspondence with date of discharge to Trellis about Chapter XXXX, total liquidation, and that since XXXX  Did not come the creditor meeting in XX/XX/XXXX nor after discharge 60 days which they XXXX  the creditor, did not come to court in XXXX Bankruptcy Court. All debts were discharged and here is the number XXXX. 

I need help and no body wants to help me a single mom, and who XXXX XXXX XXXX XXXX folks and seniors. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One restricted my credit card usage for a very long time. Time has went on and my credit has improved significantly XXXX XXXX - XXXX ) and I now have a major understanding of how credit works. Despite this, Capital One says my account is permanently restricted and can not explain why. They're just saying they can't reopen it. I feel like it isn't fair that I'm not being granted permission to use this card even after I've worked so hard to get it under control and keep it that way. I have just been granted two other credit cards from other lenders. One for {$1700.00}, and another for {$500.00}. There is simply no reason they wouldn't allow me access to a measly {$500.00}. Closing the account isn't an option for me because I need to keep this account open for credit age/history because it is my first card ever XXXX opened in XXXX ) and I hadn't gotten another one until about 5 years later ( XXXX ). If I close this account my credit will be ruined and it isn't worth it. That's why I want to come to an agreement with Capital One on them either opening my account back up for charges, or helping me get a new credit card without having to do a hard inquiry since there have been many random inquiries on my account as of late and I've been a loyal customer for so long.
Product: Mortgage

I live in California and have made my payments to PHH Mortgage Company. If my payment is going to be delayed within the 30 days mark I have always notified them. My niece was making a payment back in I believe in XX/XX/XXXX and out of the blue the representative said we have increased your mortgage payment. Mind you I have a fixed 30 year loan. I was never notified at all about an increase. The only increase I was aware of is when Trump increased it by {$100.00} ( and it should not have been ) and I had a few late fees I am aware of. 

It seems each time I talk to someone the storyline changes. I was told for months that I owe for the late fees and the amount I was owing was like {$150.00}. I feel like some where I am being taken advantage of and I am a senior citizen. 

My original house payment was {$1700.00} ( approximately ) and now I am paying {$2000.00} and something. How? Like I had mentioned the late fee and the {$100.00} increase I should be only paying. I was told this is my new payment due to increase in my property value and like I said they claim it has been since XX/XX/XXXX. I was not informed of such a thing until XX/XX/XXXX when my niece was making the mortgage payment. 

I made my mortgage payment by phone on XX/XX/XXXX and was charged a phone fee {$17.00} and was not informed. My niece was reviewing the payment confirmation and was like it seem like your payment is increasing. I need help because I don't like where this is headed.
Product: Credit reporting or other personal consumer reports

i called Experian and requested that they clear this matter on my credit report and they explained to me that the information on my report is accurate without them showing any proof i sent them a certified letter with a copy of my license as well as an utility bill and they still have not changed any of my report this is hindering my lifestyle Here 's the letter they received ( certified ) two weeks ago : Subject : Incorrect Information on Credit Report and Unauthorized Inquiries Dear Sir/Madam, I am writing to express my concern regarding the incorrect information on my credit report and the presence of unauthorized inquiries, which I believe violate the Fair Trade Act. I kindly request your assistance in resolving this matter.

Upon reviewing my credit report from Experian, I have identified several inaccuracies. Firstly, my current address is listed as XXXX XXXX XXXX XXXX XXXX Florida XXXX which is incorrect. I have been residing at XXXXXXXX XXXX XXXX XXXX XXXX  Florida XXXX for the past 10 years and it is crucial that my credit report reflects this accurate information. 

Furthermore, I have noticed multiple unauthorized inquiries on my credit report. I have not given permission to any organizations or individuals to access my credit information, and these inquiries are a violation of my consumer rights. I request that all unauthorized inquiries be immediately removed from my credit report. 

According to the Fair Trade Act, consumers have the right to accurate and up-to-date credit information. The inclusion of incorrect information and unauthorized inquiries not only affects my creditworthiness but also infringes upon my consumer rights. I kindly ask the Consumer Financial Protection Bureau to intervene in this matter and ensure that Experian takes prompt action to rectify these errors.

I have enclosed copies of my credit report, highlighting the incorrect address and unauthorized inquiries, for your reference. I kindly request that you review these documents and take the necessary steps to address this issue. 

I appreciate your attention to this matter and your efforts to ensure a fair and just resolution. Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation. 

Thank you for your assistance. 

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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  - XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I applied for, and was approved for, the Capital One Spark credit card. Under the terms of the card agreement, Capital One agreed to pay me 2 % cash back on all purchases as an enticement for me to use their card. Because of this, I used their card for numerous purchases. All purchases were in accordance with their terms and conditions. Capital One paid the 2 % cash back up until they sent me an account closure letter, dated XX/XX/XXXX. 

The reason for closure - We have observed activity on a past or present Capital One account that is not consistent with our expectations of usage for commercial or small business purposes. 

As you'll notice, Capital One did not say they were closing the account due to any breach of the terms and conditions on my part. I used the card in accordance with Capital One 's agreement with me. I do not understand why they closed the account. I was never late for an account payment, and I used their card heavily, as I thought that was what they wanted, since they offered a generous spending bonus. 

As of the XX/XX/XXXX closure letter, there were 18 transactions on the account that had either not posted or had not received 2 % cash back. These transactions totaled {$27000.00}. Capital One owes me {$540.00} cash back for these purchases. They have refused to pay me cash back for any of these purchases.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX Balance Owed : {$300.00} XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX  XXXX Balance Owed : {$1600.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX USED XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer financial Protection Act ( CFPA ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer act ( EFTA ) and Regulations E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : credit card not mine XXXX XXXX FCRA Violation : hard enquiries not mine XXXX XXXX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX/XXXXXXXX
Product: Mortgage

XXXX XXXX has been responding to my many consumer complaints with nothing but lies. In XXXX XXXX response to my consumer complaint she told me I could apply for assistance again, she told me to call Ocwen and speak with the relationship manager. That is a complete joke and so laughable in itself. I have called Ocwen several times and always was denied the right to speak with the so-called relationship manager assigned to my matter and was always harassed and either hung up on or put on hold for several minutes before XXXX XXXX returns laughing at me. Everytime I called I was told I could NOT speak to the relationship manager assigned to my matter because the relationship manager was on another call assisting another client. The same old robo-call-words. Its also impossible to speak to incompetent dishonest criminals who run a unorganized crime operation. So, I been using the CFPB complaint site to avoid harassment and abuse. I feel no other option left other then to apply for shady ocwen assistance until jury trial. I have applied for so-called Ocwen assistance on XXXX XXXX, XXXX. I have not received a response. I am curious what fraudulent balloon payment, increased principal balance and payment incompetent Ocwen abusive employee will shuffle in my face this time. Ocwen and its shady employee XXXX XXXX continue to threaten me with the loss of my home using forgery and fraud, fabricated documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies and employees who are abusive. My doctors are watching everything you criminal do to be. The application for assistance is attached along with email proving I sent incompetent servicer my application.
Product: Credit reporting or other personal consumer reports

The following I have no knowledge about or approve of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

am writing to formally express my concerns regarding Zelle 's handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams
Product: Debt collection

XXXX assumed servicing of a loan that was cancelled with a XXXX from USAA, the original lender, who is trying to foreclose on my home XX/XX/XXXX. This debt is no longer owed and they have began to send me collection paper work trying to collect money on that canceled debt. I filed a complaint to the CFPB, and I have appealed the foreclosure in court. 

I have an attachment of the letter from XXXX attempting to collect the debt, disclosing their intent. I also have an attachment of the XXXX attached, canceling the debt in XX/XX/XXXX. And finally, I have attached the foreclosure action filed on me from USAA for this debt, acting as a substitute trustee, holding a lien.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( XXXX ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Vehicle loan or lease

The car was an XXXX and the engine was diesel and no good when it was sold to me. 
The engine light came XXXX XXXX week after it was sold to me. I took the car back to them and it came on again and again. Finally the engine gave out. I don't feel like I owe anything after I voluntary gave the car back.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/2020 and I never received any reply. I then sent a follow-up dispute on XX/XX/2020 and again on XX/XX/2020. It is now XX/XX/2020 and I STILL have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.
Product: Debt collection

RMF Asset Management , LLC is debt collector, who filed a lawsuit against me on XX/XX/2022, I first found out of this lawsuit in XX/XX/2022 after being served with a summons and complaint. I never received from the debt collector a validation letter, that would state the amount of the debt, that I could dispute the debt or who the original creditor was, as required pursuant to 1692g of the FDCPA. I responded to the lawsuit filed against me on XX/XX/2022 and the case is now in litigation.
Product: Credit reporting or other personal consumer reports

When I sent a copy of the FTC report, it became clear that the XXXX credit bureaus are not obstructing documents. I am sending this complaint in order to help with the legal response because it is required by FCRA regulation 605b. If you choose not to delete the attached documents listed below, which contain fraudulently obtained incorrect answers, I will turn over my archives to my attorney so that they may start a legal process. If it's not too much trouble, please follow the law as it is my intention to not pursue any lawful activities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Hello, National Credit System has not responded to my certified letter that was sent on XX/XX/XXXX. They continue to change the debt amount on my credit reports but have not replied back to my certified letter providing proof of the debt owed. 

XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX Credit bureau XXXX to report that National XXXX XXXX XXXX added to XXXX XXXX XXXX XXXX and XXXX for the amount {$4800.00} sometime between XXXX ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - XXXXational Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} )