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

I contacted Equifax concerning in accurate information with a Chapter XXXX Bankruptcy. Equifax stated the got there verified information from a 3rd party enitity XXXX XXXX which was also incorrect. Equifax did not verify the documented information with the court which would have shown inaccuracy with various items. I have supporting official court documents in my possession that show the numerous inaccuracies reported by Equifax. 

I believe they did not do there due diligence in verifiy the information regarding whats being reported by there credit agency. There use of a 3rd party agency instead of the Federal court shows the negilience in reporting verified accurate information.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handing of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform.Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately.They informed 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.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

I have been receiving constant telephone calls of harassment, abusive and profane language, XXXX  of being XXXX  and sent to XXXX  and XXXX  and XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX for debt collection accounts that are not my accounts, are fraudulent accounts and is the result of identity theft. The following accounts are fraudulent and the is the result of identity theft : XXXX XXXX XXXX, {$4900.00}, XXXX XXXX XXXX, {$1100.00}, XXXX XXXX XXXX, {$760.00}, XXXX XXXX XXXX, {$750.00}, XXXX XXXX XXXX, {$660.00}, XXXX XXXX XXXX, {$9100.00}, XXXX XXXX XXXX, {$6100.00} and XXXX XXXX. The above debt collection companies are in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under federal law.
Product: Mortgage

My name is XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA. XXXX ( XXXX ) XXXX, XXXXXXXXXXXX My Wife is XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX assisted me in obtaining a Home Loan Modification from Wells Fargo XXXX XXXX XXXX should remember me because I am the one that sent her a note to me from XXXX XXXX XXXX for my XXXX service. My Loan was through XXXX, the modification was XXXX loan number XXXX, The MERS Number is XXXX I first wrote XXXX XXXX, she referenced me to XXXX, although had one of her aids stay on top of everything. The Modification took effect on XXXX/XXXX/XXXX. Since that day we have had our Mortgage Payments taken directly from our Checking Account when my VA XXXX is deposited as of XXXX XXXX, XXXX, we have completed the first XXXX years, NOT ONE HOUR LATE. Wells Fargo out of no where stated we do not have a modification. Sorry for the word, Wells put us through pure XXXX for the past XXXX years. They can not foreclose because our payment has not been a day late. Wells Fargo shows on all Credit Bureau reports, we bankrupted the loan and have not made a payment since XXXX, PURE LIE. I sent a next day XXXX package to XXXX XXXX at the Consumer Financial Protection AGENCY AT XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX, THE TRACKING SHOWS undeliverable ADDRESS, THIS WAS THE ADDRESS I WAS GIVEN BY YOUR OPERATOR, WHEN SHE STATED THE normal LOCATION WAS UNDER MODERNAZATION. 
BECAUSE OF WELLS FARGO, I HAVE BEEN HOSPITALIZED XXXX, AM LITERALLY WHAT MY XXXX DIVISION NAME SAID, the walking dead XXXX XXXX. Wells Fargo has destroyed our Credit, my health and a lot more. They refuse to correct the Credit Bureau reports, stating we bankrupted, this is true although it was at Wells Fargos instructions, The Federal Judge refused to sign ant reaffirmation 's or the Modification, in XXXX. We reopened the case in XXXX in an attempt to get the Reaffirmation and Modification signed at a cost of {$7000.00} The new judge had a fit we waited XXXX years and refused to sign the reaffirmation also. The judge stated it was not required for a Modification. He is correct. I need a correct address to re-send the entire package to XXXX XXXX, who DID save my life. Wells has refused to speak with us, denied the Modificationh, had me fax my copy finally on XXXX/XXXX/XXXX to XXXX XXXX XXXX at XXXX XXXX XXXX, Fax XXXX XXXX XXXX. We are trying to refinance using my VA, The Wells Fargo credit report is hampering that although I have sent a copy of every Payment receipt to the various Refinance Banks. PLEASE IN GON 'S NAME HELP, I am XXXX-years-old, totally XXXX and followed every rule on the Modification, when the bankruptcy court discharged {$6900.00}. from Wells, I than did not take any action, left it in the Modification. I have spoken with XXXX Lawyers, XXXX wanted a class action, I do Not another wanted to sue Wells For Damages sighting a XXXX Law suit, I just want the FACTS of this issue corrected. PLEASE E-MAIL me your correct address, XXXXXXXXXXXX. Why XXXX XXXX XXXX, I can never forget her for her help that will not be destroyed, I kept her letter and it took my son to tell me to XXXX her name and thank XXXX I found Her.
Product: Credit card

On XX/XX/year>, I received a letter in the mail that starting XX/XX/year>, the interest rate on my Nordstrom XXXX card is increasing from 22.65 % to 31.15 %. Since I have been a good customer with Nordstrom XXXX and have always made my payments on time, I was concerned that there was derogatory information in my credit file that was causing this increase. 

On XX/XX/year>, I spoke on the phone with a representative for the company to inquire about the reason why my credit card 's interest rate was increasing so dramatically. She reviewed my account and determined it was in good standing. She mentioned that this new increased interest rate is being applied " across the board '' for all cardholders in good standing. Personally, she felt that the increase was huge, but that this decision was made by the corporate arm of Nordstrom. 

As a consumer, I am outraged that Nordstrom XXXX is imposing such a huge interest for all cardholders in good standing. This is particularly galling since interest rates have dropped recently. This type is rate is normally reserved for customers that are risky or have derogatory items on their credit report. 

Thank you for looking into this matter for me. 

Best regards
Product: Debt collection

I am filing this complaint regarding an issue with XXXX XXXX that has caused significant frustration and inconvenience. Despite my efforts to resolve this matter directly with XXXX XXXX, the issue remains unresolved. 

Details of the Complaint : Unresolved Billing Discrepancy : XXXX XXXX has reported an incorrect or disputed balance on my account. Despite multiple attempts to obtain clarification and resolution, they have failed to provide accurate billing statements or a clear explanation of the charges. 
Failure to Provide Proper Documentation : I have requested detailed billing records to validate the charges and confirm the accuracy of the amount owed. However, XXXX XXXX has not provided the requested documentation in compliance with federal consumer protection laws. 
Negative Impact on Credit Report : XXXX XXXX has reported this disputed balance to the credit bureaus, negatively impacting my credit score. These actions violate my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), which requires furnishers of information to ensure the accuracy of the data they report and to investigate disputes promptly.

Relevant Consumer Protection Laws : Fair Credit Billing Act ( FCBA ) : Under the FCBA, consumers have the right to dispute billing errors on credit card or utility accounts and must receive a timely response. XXXX XXXX 's failure to respond to my dispute violates these provisions. 
Fair Credit Reporting Act ( FCRA ) : XXXX XXXX is required to ensure the accuracy of the information reported to the credit bureaus and to investigate disputes promptly. 
State Utility Regulations : XXXX XXXX may also be in violation of state-level consumer protection laws governing utility billing practices and dispute resolution. 
Resolution Requested : Investigation and Documentation : I request that XXXX XXXX provide a detailed and itemized statement of the charges in question, along with all supporting documentation, to validate the disputed balance. 
Removal of Negative Credit Reporting : I request the immediate removal of the negative information XXXX XXXX has reported to the credit bureaus regarding this account until the dispute is fully resolved. 
Assurance of Compliance : XXXX XXXX must take steps to ensure compliance with federal and state consumer protection laws in handling disputes and reporting accurate information. 
Refund or Adjustment : If the charges are determined to be invalid, I request a full adjustment or refund of any overpayments related to the disputed balance. 
I trust that the Consumer Financial Protection Bureau will investigate this matter and assist in ensuring compliance with applicable laws. 

Thank you for your attention to this complaint.
Product: Mortgage

House is in escrow for $ XXXX. COE date has passed, Approx 45 days ago, I asked for a payoff amount. Was given $ XXXX as correct amount. I then negotiated the junior lienholders liens. After agreements were reached with all XXXX XXXX, the XXXX XXXX XXXX XXXX ( Selene Finance , LP ) said the payoff amount is $ XXXX. Now unable to close escrow. Proof for explanation of change has been inadequate.
Product: Mortgage

SLS is attempting to foreclose on a a second mortgage with a fraudulent assignment. The assignment is robo signed by a well known robo signer. The assignment was created after cutoff date for the trust that XXXX XXXX XXXX XXXX is serving as the trustee for. The previous serving company attempted to foreclose and also filed a lawsuit but the judge signed an order dismissing their claim. The attempt to foreclosure with fraudulent documents and the polling servings agreement filed with the United States Security Exchange clearly states in section 201 that the assignments had to been conveyed within 99 days prior to the cut off date of the trust which was in XXXX of 2005. They are violating the pooling and serving agreement that held with the XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You have on the credit reports that the accounts with : XXXX XXXX XXXX XXXX XXXX XXXX are closed. This caused my credit scores to go down.These accounts were not " closed. '' These accounts were " paid off ''. Please check your records and change my credit report to read " paid in full. '' I have tried very hard this past 2 years to get my credit in better shape and using " closed '' instead of " Paid in full '' are lowering my credit score. Again, please check into this and correct this report. Than k you so very much for helping me with this matter. I do not need another loan, however, I would like for my credit report to show numbers that prove that I have been working hard to increase my credit s ; core and pay my bills in a timely manner. 
Again, thank you for anything you can do to get this information corrected.
Product: Credit reporting or other personal consumer reports

These Inquiries and accounts are incorrect, since I do not recognize them, please investigate them and delete them Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was issued a new card due to security breach in the company. I have paid on time and the checks have been cashed by the company but they are being credited to the inactive account, not the new number. Bank refuses to resolve this situation and the card has been placed on hold.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/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: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was at the mall with my kids. My son was getting his haircut. While he was doing that my daughter and I went to look around at another store. I had my phone in the pocket of my jacket. We were probably in the store about XXXX minutes when someone tapped me on the shoulder and said here you lost your phone. I said Thankyou and left to get my son and go back to the car. As Im about to cash app the barber from in my car before I pull out I see that all of my money was gone and sent to the person who gave me my phone back. I immediately contacted support from cash app, requested the money be sent back from the person and after they denied it I reported and blocked them. So first I filed a dispute through the app and then I immediately called them and filed directly with a person. After that I called my bank as well since my cash app is linked to my bank account. They cancelled my cards immediately and made sure my bank was not connected with cash app anymore. I did everything I was supposed to do but yet got denied. I was told they were gon na send me the documents of why I got denied but never did. The people on the phone dont know anything and just say the same things back over and over again about how they cant do anything about it and do I have any other questions about anything else. I have used cash app for years now and never had any problems but as soon as something did happen they just denied me.
Product: Debt collection

When I Spoke with company representative they could not send me nothing but a copy of a bill. They do not have documents supporting that my identity was verified I am not familiar with the debts.
Product: Debt collection

Somebody use my personal information and open account loan or credit card with XXXX  XXXX XXXX  amount of {$2700.00} and a collection company XXXX XXXX report the amount to the credit caompany ( XXXX XXXX, XXXX, XXXX XXXX XXXX, i tried to call the credit comapies above and they ask me to do the compain with CFPB and get the FTC report. 
I went to the XXXX XXXX XXXX XXXX did apolice report and i will do FTC report as well to remove the case under my credit
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft ; I am disputing incorrect information that is currently being reported on my credit report. I have already tried to address this matter once and it was not fully resolved. Now I will be disputing again for a second time, since Transunion fails to conduct a proper investigation and follow FCRA laws.
Product: Debt collection

I filed a complaint on XX/XX/XXXX with case # XXXX regarding being sued by XXXX XXXX XXXX XXXX XXXX for a credit card debt in the amount of {$9000.00} on XX/XX/XXXX in NY XXXX XXXX First District Court.  As of today the debt is {$12000.00} with interest. I have no knowledge of this debt. They are representing Creditor ( s ) : ( P ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attended a final court hearing on XX/XX/XXXX and explained the judge how they could not provide me any tangible proof regarding any of these requests. Yet, I provided the XXXX XXXX XXXX XXXX response to my complaint the court as well. But XXXX XXXX  XXXX lawyer said the judge my written proof is incorrect and XXXX XXXX XXXX XXXX is still the owner of this alleged debt. After 2 months of the court hearing, I received a final decision. " The motion of my request for an order vacation the default and dismissing the action or alternative relief, is denied '' I have to pay {$12000.00} to XXXX XXXX XXXX XXXX even the company responded my complaint on XXXX saying that " This account was referred to the law offices of XXXX XXXX XXXX on XX/XX/XXXX for collections and their office handled the account on our behalf up until the account was sold to a different company on XX/XX/XXXX. Once an account is transferred and sold, XXXX XXXX XXXX XXXX XXXX XXXX no longer has any rights, title or interest in the account. You may contact Resurgent Capital Services, L.P. to discuss the account further. Their contact phone number is XXXX. Their mailing address is XXXX. XXXX XXXX, XXXX, SC XXXX. Should you have any further questions, my name is XXXX XXXX and I am Director of Operations with XXXX XXXX XXXX XXXX XXXX XXXX My contact phone number is XXXX, ext. XXXX. '' I would like to inform you that the Law office of XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX are still doing and continuing their unlawful actions. I am ready to accept any help you may offer in this matter.
Product: Payday loan, title loan, or personal loan

Was not able to connect my account
Product: Debt collection

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that XXXX XXXX is alleging that I owed an amount of {$9100.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and XXXX XXXX has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and XXXX XXXX failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company DISCOVERBANK account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

XXXX has different address across the bureau 's file. 
XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX listed this company 's contact information as XXXX XXXX XXXX XXXX, PA XXXX XXXX their address are not verified. I was told at the XXXX XXXX XXXX that their XXXX XXXX XXXX is wrong. 
XXXX XXXX XXXX XXXX, FL XXXX XXXX had 2 different collection agencies contacted me in order to collection the debt meanwhile the debt was still listed as still under XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and TransUnion are violating the FCRA laws by providing false, misleading, and inaccurate information on my consumer credit report. No late payments are to be reported according to the Cares Act.This is How Creditors and Lenders Report to the Credit Bureaus under the CARES Act-Late and missed payments CAN NOT be reported. 
This is the only late payment ever reported.Lenders that report data to credit bureaus as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down but will not report late payments at this time. XXXX  website quotes " XXXX supports the CARES Act '', so why is it still on my credit report? TransUnion and XXXX and XXXX are in Violation under 15 US Code 1681e ( b ) and US code 1681i ( 5 ) not reporting 100 % accurate.
Product: Debt collection

In XXXX, XXXX, XXXX of XXXX after phone conversations with Capital One and XXXX XXXX they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me more time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, Capital one ( in XXXX and XX/XX/XXXX XXXX and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. judgement for Capital one XX/XX/XXXX {$6100.00}, XX/XX/XXXX {$2400.00}, XXXX XXXX XX/XX/XXXX {$2800.00}, please see attached. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. I contacted XXXX, XXXX, XXXX XXXX in XXXX to inform them and assumed they were resolved, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. I applied for a mortgage in XX/XX/XXXX and XXXX, and was shocked and blindsided to learn these judgements .were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted after I informed them of Capital one and XXXX XXXX 's actions and how they obtained these judgements.
Product: Student loan

I was talked into taking a student loan with University XXXX XXXX when I was almost XXXX yrs old. About 15 years ago with the promise I would make XXXX a year. But now I am XXXX in debt making XXXX a year. I know there was a class action lawsuit due to their treatment, fees etc and I contacted them they say they will only help me since my debt is not with the school. My debt is with Nelnet loan services but why would mine not be included??. I am XXXX years old and cant ever buy a home due to this debt. I am on a 20 years repayment plan but it keeps me from ever owning anything. Please help me.