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

In accordance with the Fair Credit Reporting Act ; XXXX 's # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX has violated my rights.

15 U.S.C.1681 Section 602 A, States that I have the right to privacy.

15 U.S.C.1681 Section 602 A, Section 2 ; it also States a consumer reporting agency CAN NOT furnish an account with information without my written instructions.
Product: Credit reporting or other personal consumer reports

Good day, I am contacting you regarding a serious privacy concern. I did not authorize this information to appear on my credit report, and your inclusion of it is a clear violation of my rights. This unauthorized reporting is damaging my credit score and unfairly harming my reputation. Its also resulting in my new credit applications being denied, creating significant and unnecessary hardship in my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The loans as followed are inaccurately still on my credit after over 7-8 years. I was placed on XXXX after I was diagnosed with several XXXX XXXX, as well as XXXX XXXX. I would like these immediately removed from my credit report. 

There are a total of 11 accounts that are reporting on my credit report. I 've listed them below based on the open dates. 

XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) XX/XX/XXXX ( 8 yrs, 3 mos ) XX/XX/XXXX ( 7 yrs, 2 mos ) XX/XX/XXXX ( 7 yrs, 10 mos ) These are all still on my report for no reason and some seem to be doubles of other ; Please remove these immediately. Thank you.
Product: Mortgage

In XX/XX/XXXX my mortgage was purchased from XXXX XXXX, and transfered to XXXX XXXX or a subsidary, LoanCare. I have had many difficulties with the new loan servicer, specifically, a misallocation of payments. I attempted to make biweekly payments. However, payments were made to principle, and not the actual mortgate payment. This resulted initially in a late penalty, and significant inconvenience. I spoke with LoanCare on XX/XX/XXXX. The representative said that as I was a previous XXXX XXXX customer, I would be allowed to make biweekly payments and reported making a " note '' in the file. This was not the case and other payments were misallocated. I was required to contact LoanCare regularly to have payments correctly allocated. On XX/XX/XXXX, I spoke with " XXXX '' to again address the misallocation of payments. " XXXX '' stated that the payment would be reallocated to my actual mortage payment, and she too would make a note in my file. The funds were simply reallocated to the principle and not the actual mortgage payment. On XX/XX/XXXX, I again called to address the misallocation of funds. I spoke with " XXXX '' who again reported that the payment would be reallocated to the mortgage payment. She also stated she would make a note in my file. She reported that a " code '' was absent that would have allowed partial payments. In short, my funds have been consistenly misallocated for months. I have never had this issue with any other loan servicer. I am very concerned that carelessness on the part of LoanCare will  lead to missed payments, late fees, etc. It appears that I am not the only dissatisfied customer. There are 628 reviews of LoanCare on XXXX. LoanCare holds a score 1.3 out 5. This is unacceptable. Having worked for CFPB in XX/XX/XXXX - XX/XX/XXXX, I am concerned that LoanCare may be violating financial regulations. And putting consumers are risk.
Product: Mortgage

In XXXX of XXXX I became unemployed at which time we spoke to Wells Fargo Mortgage company and they decided that if we could pay {$610.00} starting in XXXX of that year we would be safe. They gave us a renewal of the promise in XXXX of XXXX and we continuously paid thinking they were working with us and, as I am in education, they would wait until XXXX of XXXX before the situation worsened. In XXXX of XXXX while we were still paying the XXXX monthly one of my friends told me my house was on the foreclosure list and it was. It was listed as still owing {$200000.00} and being sold by a bank out of XXXX ( as Wells Fargo informed us as initially I reported it out of XXXX. The bank said it was extended from XXXX to XXXX ). My contract clearly states my mortgage can not be sold unless I am informed, we were never informed of anything. At one point Wells Fargo tried to blame XXXX for putting us into foreclosure, and then claimed we were still owned by them. We went through several changes with the bank, which you were previously told of but the matter is the monies involved during the transactions that can not be accounted for. 
We paid XXXX for 10 months as we were supposed to be on a plan to help us keep our home which amounts to {$6100.00}. 
In XX/XX/XXXX we paid {$26000.00} which they listed on their records on XX/XX/XXXX as {$18000.00}. 
Interesting enough it was listed on the foreclosure site as still owing {$200000.00} but suddenly it was now {$210000.00}. The {$26000.00} took us from the wrong aforementioned balance to XXXX. WHAT HAPPENED TO OUR MONEY? 
on XX/XX/XXXX after many mentions of non payment it says we paid {$2000.00} and now our balance was {$210000.00}. On another line still dated the XXXX of XX/XX/XXXX it says we paid {$6200.00} now making the balance {$210000.00}. In XXXX with no warning and without giving us any type of modification they raised our payment from {$2000.00} to {$2000.00}. 
Adding up the monies put given to Wells Fargo - {$26000.00} + {$6100.00} + {$2000.00} = {$34000.00}. Wells Fargo has not only raised the amount still owed on the property but also claimed it was only paid {$26000.00}. I need to know where the rest of the money is and what right do they have to raise our mortgage payment. and take {$8100.00} with no explanation of same. 
I have a letter from Wells Fargo stating if we brought the mortgage current we would not have to pay lawyer fees or late fees. In addition to same they have mentioned it in several of the audio recordings I have. 
It is against the law to just raise someones mortgage without notification and why. 
Where is our {$8100.00}. 
How did it go from {$200000.00} back to {$210000.00}. 
Why does Wells Fargo do this to people and get away with it. 
Is there a class action lawsuit in progress we can join. 

It is important to note that XXXX X 12 mos X 16 years equals {$390000.00} dollars why than are they charging this astronomical price.
Product: Debt collection

I received a legitimate-looking letter in the mail from debt collector Convergent Outsourcing , Inc . It claims that I have an account with XXXX, with a past due balance of {$190.00}. It claims to offer me a reduced balance of {$96.00}, as a one-time-only offer. 
I do not have an account with XXXX, nor do I live, or have ever lived, in a state in which XXXX offers services. I called XXXX to make sure this is not a case of identity theft, and they confirmed that I do NOT have an account with them. 
This is a case of fraud, but I am not sure if the company Convergent Outsourcing , Inc., itself is the perpetrator, or if there is another party posing as Convergent Outsourcing , Inc., to carry out this fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I was involved in an eviction, I went to court in 2022 and was told and documented that if I completed with all of what the Landlord asked for paying the rent on time ect that the attorney would take the eviction off of my record in which he has not. He conducts law in XXXX XXXX XXXX  his name is XXXX XXXX his phone number is XXXX. I've tried contacting him several times and my case worker since I am XXXX has tried contacting him also via email and phone calls. Can you please help me! The name to look this under in XXXXXXXX XXXX XXXXXXXX is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Please refer to the information that I've listed below ; I am not implying that these accounts are reporting right or wrong. I am just saying that I am not 100 % sure if they are accurately reporting. 

FCRA 15 USC Sec 1681i ( a ) states ; where any unverified and/or inaccurate accounts must be deleted. I would like for the following accounts to be investigated for verification and 100 % accuracy and I would also like a report of your findings. Also according to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in an inaccurate account. 

Im requesting to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX XXXX XXXX  ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


XXXX ACCT # XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 

DEP OF ED/XXXX ACCT XXXX XXXX THIS ACCOUNT IS REPORTING INACCURATELY. PLEASE INVESTIGATE THIS ACCOUNT FOR 100 % ACCURACY AND VERIFY. 


Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Could you mail me an updated report after you investigate and verify these accounts? Also, please let me know who had access to my file as well. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. 

Thank you for your assistance in this matter.
Product: Credit card

On Saturday XX/XX/XXXX I tried to log into my mobile banking app to pay my balance, it told me an account didnt exist with them, thinking this was some sort of error because they were updating there system I didnt think much of it. I reattempted to log in on Tuesday XX/XX/year> same thing happened it told me an account didnt exist with that information. At this point I thought my account had been hacked or something I called Bank of America right away and got ahold of a specialist who informed me my account had actually been closed. Up until this point my account has been in good standings and I have never made a late payment. I asked why my account had been closed to which they told me because of failure to provide documentation. I informed them I havent gotten a request for any documentation to which they informed me they sent out a letter in XXXX. After verifying the address I informed them I never got the letter, which is normal for letters to go lost. The rep tried to see if my account can be reopened to which it couldnt. Because the account closed my credit score dropped XXXX points and then they advised me to reapply for a card which would put another hard inquiry on my credit score which is not right. Regardless I was transferred to a resolution manager named XXXX XXXX who was condescending and no help at all. On top of all this I was never told how to pay my bill so I know they will send my account to collections to further impact my score. How is one simple letter that got lost enough to close a account in good standings and never missed a payment this is ridiculous my credit score is suffering because of this no other forms of written communication was given no emails nothing.
Product: Money transfer, virtual currency, or money service

After having an account with CashApp for years, without any issues related to scams, this business decided to close my CashApp account without any lawful reason to justify their actions. I reported to them that I believe someone hacked my CashApp account, because I was locked out of it when trying to login. I was then prompted to make another CashApp account when Cashapp decided to do nothing to resolve the pressing issue of my primary account being hacked and made permanently inaccessible. Once I had been ignored and pretty much written off via email, from the supposed higher ups/escalation team, I decided to make another cashapp. This one was randomly deleted as well. There is money due to me on my first cashapp and I have every right to my money and for Cashapp to be made responsible for canceling my account unjustifiably!
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX  XXXX XXXX
Product: Checking or savings account

I received a promotional offer from Citibank to open a " Citi Accelerate Saving Account ''. I opened a new Citi account on XX/XX/XXXX with a ACH transfer of {$28000.00} from XXXXXXXX XXXX XXXX and received a confirmation email on that date. Citibank credited the account XX/XX/XXXX. I received another email from Citibank thanking me " for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer ''. This email explained the details of the offer : $ XXXX {$49000.00}. = {$150.00}. Bonus ; {$50000.00}. or more = {$450.00}. Bonus. I had 20 days to fund the account. An additional {$25000.00}. was transferred XX/XX/XXXX bringing a balance of {$53000.00} meeting the requirements for a {$450.00}. bonus to be earned after maintaining that balance for 60 days. This account satisfied all requirements and still remain with Citibank. I began calling Citibank in XX/XX/XXXX. I had several issues getting access to this account. I kept being told the the matter would be resolved. XXXX XXXX I received a letter from Citibank indicating no such offer was ever made to me in conjunction to my account. In response to that letter, I called on XX/XX/XXXX. Their Representative found the Promotion, would credit {$450.00}. to the account and make Interest adjustments back to XX/XX/XXXX. I called Citibank XX/XX/XXXX and XX/XX/XXXX with no results.
Product: Credit card

In XXXX of 2012 we opened up a Bank of America XXXX XXXX Credit Card. BOA charged us {$100.00} to be used as a down payment on a future cruise. There was NO EXPIRATION date. We are now booked on a cruise and since XXXX I have tried to find out where our {$100.00} went to no avail. We submitted letters asking for our money back and just received notice that it is has exceeded any dates giving us money back. How can this be when there was no expiration date from the beginning.We only know that we were charged, we paid it and now we are NOT getting our money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am making this complaint to get false negative items removed from my credit report by the three credit bureaus ; XXXX, XXXX, XXXX. During the month of XX/XX/2019 and XX/XX/2019, On my credit report there were delinquent late payments recorded on my credit report from XXXX XXXX. I have contacted each of the three main credit bureaus with no response from either company. I need these negative items removed from my report immediately. Also, I had contacted XXXXXXXX XXXX to remove these false negative items from my report. Recently they had contacted me back stating they would contact the credit bureaus to remove these from my reports. Although, I have not heard from them ever since then. Can you please aid me with this and contact XXXX, XXXX, and XXXX to remove this from my account? Attached now is the letter from XXXX XXXX  stating that they would remove these negative items. Can you please contact them and have these removed. Thank you, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I have been submitting numerous CFPB Complaints against the Credit Reporting Agencies and yet they have made nothing! The Fraudulent accounts and information that I have been asking them to verify and remove are still reporting on my Credit file! I have previously sent a dispute letter addressed XXXX the Credit Bureaus and that was my sixth attempt to notify the Credit Reporting Agencies that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. My information has been exposed in the Equifax data breach. The following accounts, inquiries, inaccurate names and addresses are not affiliated with me nor received any money, goods, or services as a result of identity theft or they authorized by me and I would like them to remove from any affiliation with me immediately. Under the Fair Credit Reporting Act section 605b, the Credit reporting agencies are expected to remove any accounts and information that resulted due to identity theft, but in my case, the Credit Bureaus have been doing nothing! I am now submitting this CFPB complaint as a XXXX to the Credit Bureaus that in the event the still do not remove the disputed accounts and information, I will be filing lawsuit. This troubles me as much as it troubles the Credit bureaus, if it is not too much to ask, I would prefer the Credit Bureaus remove the following fraud items than filing a lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX XXXX and XXXX  XXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.
Product: Debt collection

This is follow up complaint to XXXX FMS INVEST GROUP stated " Hello, Financial Investment Corp ( Financial Management Systems ) was closed as of XX/XX/2021, please refer back to the original creditor. Thank You, XXXX XXXX '' If FMS is closed they should not be reporting to my credit report after I told them to cease communication!
Product: Credit reporting

I disputed an account that is not mine. I am not liable for this XXXX XXXX account. Once I received the response I then called and they simply said they ca n't do anything else. I should solve it with the credit card company. I beleive I should n't have to do this. In some form they should also protect my rights as a consumer. 

Thank you for any assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately
Product: Credit card or prepaid card

I received my XXXX stimulus payment in XX/XX/2021. I dont carry that card daily. It was an old payroll card from a previous job, but it is the card I was using the last time I giled taxes, so I kept the account open to not complicate the government and IRS not being able to have a correct direct deppsit method. My Netspend skylight one card was in my jewelry box in my bedroom, although the card info was saved on my XXXX XXXX. Someone must have stolen the card from my jewelry box without me knowing. I intended on saving this money for worse times, so imagine my surprise when i realized it was gone. I made online purchases using my XXXX XXXX, but the charges made in store with physical card I did not. On XX/XX/2021 when I rralized my card was missing and these fradulant charges were there i immediately contacted skylight one and filed a dispute immediately. I called first. I was told to write a letter and documenting each transaction, an explanation of what happened, updated contact info, and claim number to an email address for documents concerning the dispute. So i did. 
I receive a confirmation email from the company ssying they had until XX/XX/XXXX to investigate the aim and i eouldnt know anything until then. I called on XX/XX/2021 at XXXX XXXX  to be told they fiund " no error '' in my dispute. After asking for an explanation, i was rold an email with documents wpuld be emailed to me immediately. 
I never received it. The following morning. I called the customer service number again and spoke with car XXXX. He explained that it would take ten days to get to email to me.i then emailed again this time crommy secure i box on their app... i have asked more than theee times to have their conclusion and reasoning along with any other documentation on how they came to the conclusion to deny my claim. I still haven't heard anything. The claim number is Claim # XXXX. Company name is netspend skylight one.
Product: Credit card or prepaid card

I have repeatedly requested and been denied a credit limit increase on my Capital One credit card. I have also filed numerous CFPB complaints related to the denial of a credit increase. 

My last complaint filed with the CFPB I received a response from a XXXX XXXX stating that she could not approve a credit line increase at this time until she spoke to me on the the phone and performed a manual review of my account. She also stated she sent me a secure message to my Capital One account asking that I please contact her. She provided her contact information in that letter. 

I have left XXXX 3 voicemails to date and have not heard back from her. I also spoke to another representative in client services and I explained I could not reach XXXX. This client services representative stated she sent XXXX an email message requesting she call me immediately, again I have not heard from her. Also, I never received an email stating there was a message waiting for me in the secure message center in my Capital One account and when I went online, the secure message center has been discontinued/closed. 

I am tired of the run around by Capital One. I 'm tired of being denied a credit line increase when I have good credit, make all my payments on time, and utilize the credit I have. Even my CFPB complaints are responded to with inaccuracies and I 'm unable to get ahold of the representative to help me obtain a credit line increase. 

I have been offered a 0 % balance transfer and I would like to take advantage of that promotion, but am unable to do so without an increase in my credit limit. To note, I also have an auto-loan with Capital One and always make timely payments on that account as well. 

I am asking that a manual review be performed and that my credit line is increased to {$12000.00}. 

Thank you.
Product: Credit reporting or other personal consumer reports

TransUnion is currently furnishing unauthorized inquiries on my credit report without my knowledge or written consent