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

Today, XXXX XXXX 2019, I requested a credit line increase for my XXXX credit card account, now administered by the bank called Capital One. Capital One used XXXX, as the credit bureau where they pulled my credit report, also without affecting my credit score, because they use a soft inquiry, just like XXXX XXXX. But, once again and as I expected, XXXX XXXX  of XXXX XXXX incorrect credit reports about my 2 accounts with them keep appearing also on XXXX, and it is negatively affecting even a {$400.00} credit line increase request, with no possibility of consideration, unless Capital One also receives the evidence as fast as possible, in order to see that all the steps were followed by myself with XXXX XXXX  of XXXX XXXX in order to correct this error they allow, against the Law called the Fair Credit Reporting Act : I am including the Brief currently been seen at the First Circuit Court of Appeals in XXXX, MA, because I also had to complain against a magistrate judge here at thXXXX District Court of  XXXX XXXX for his unsupported conclusion, against all the evidence included. My Interrogatory to XXXX XXXX XXXX XXXX ( XXXX XXXX  of  XXXX XXXX ) clearly presents the incorrect credit reporting problem, the steps I followed, and why I had no choice but to file a Lawsuit. The Brief size in MB is too large for the CFPB, so I had to divided it today, XXXX 2019, but the Brief was not sent today to the Court, as the same Brief shows. XXXX XXXX  never answered. I am sending the Brief to the 3 credit bureaus, no matter they can only contact XXXX XXXX,. so there is evidence that I did took the Case to the Courts and the problems the violations against the Law from that other Bank unfairly creates to myself. Please verify at the pacer.gov web site under case XXXX to see this is an exact copy. Last payments to XXXX XXXX Credit Card were made, as agreed, last XXXX XXXX 2019 on the amount of {$120.00}, and now there is just 1 more payment needed to reach 36 payments made directly to XXXX XXXX XXXX XXXX under that certified payment agreement for this credit card with the same XXXX XXXX  of XXXX XXXX, but none were reported to the credit bureaus, and the XXXX XXXX last payment of {$260.00} was made on XXXX XXXX 2019, as agreed. Both accounts are with the same Bank, and Paid as Agreed. Please review the Brief for details.
Product: Mortgage

I was off on maternity leave and my husband was laid off also, I just went back to work and my husband is still not working so I went to my lenders and asked if they would modify my loan with them they told me that I could n't because my loan is n't really a mortgage loan it is called a XXXX loan and they do n't modify those. I asked if there were anything else that can be done they told me no. I was n't aware when I closed on my home it was n't a mortgage loan. 
I 'm filing this complaint because I need assistant with saving my home and are open for any suggestions that you may have to assist me in doing so.
Product: Mortgage

I have a FHA residential mortgage for my primary residence. The mortgage loan originatorwas not licensed as a loan originator in North Carolina. The residential mortgage lenderXXXX XXXX XXXX & XXXX signed a multi-state enforcement agreement with XXXX Commissioner of Bank on XX/XX/XXXX. My FHA loan was originated on or aboutXXXX XXXX, XXXX. I have filed a Complaint with the XXXX Commissioner of Banksregarding XXXX XXXX XXXX XXXX XXXX continued pattern of noncompliance violatingstatutory and regulatory laws. ( N.C. General Statutes, XXXX. Mtg. Licensing Req., HUD regualtions and CFPB regulations. Pursuant to FHA HAMP programs procedures, I request that my mortgage loan account be Escalated accordance to HAMP procedureduring the loss mitigation process. On or about XX/XX/XXXX, I submitted a appeal forEscalated Case review. On XX/XX/XXXX, I faxed a complaint to HUD XXXX about XXXX XXXX XXXX XXXX XXXX failure to Escalate my appeal according toEscalation procedures. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX thatmy file was closed, On XX/XX/XXXX, I submitted a Complaint to North Carolina BankingCommission regarding XXXX XXXX XXXX & XXXX. On XXXX XXXX, I responded to XXXX XXXX. 
XXXX letter dated XX/XX/XXXX. Additionally, I have made Qualified Written Request under RESPA and have yet to receive the name and address of the investor /guarantor and Pool ID and other relevant contact information about the owner of my loan this QWRwas submitted via email on XX/XX/XXXX. On XXXX XXXX, XXXX, XXXX XXXX XXXX & XXXXacknowledged receipt of my QWR. On or about XX/XX/XXXX, XXXX XXXX XXXX initiatedforeclosure process during my request to have my appeal Escalated for Case resolution. 
XXXX
Product: Checking or savings account

Over the last 3 years Cash App has stole {$750.00} XXXX Dollars, and when trying to contact the company I only get bots not real people at Cash App responding, all the agents are robots
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out to TransUnion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. I haven't heard any response from TransUnion and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Below, are the items they failed to verify :
Product: Credit card or prepaid card

I had the citi XXXX XXXX card. I received literature stating the card would come to an end in XX/XX/2018 due to XXXX XXXX taking full rights to XXXX. They were replacing the citi card with an XXXX card. I already had that card. I had planned on keeping my citi till the end but in XX/XX/XXXX ( less than 4 weeks till the card expired ) citi billed me {$95.00} for an annual fee. I called them and explained I didnt understand why they were assessing a fee when the card was up in less than a month. The agent told me I could cancel it without losing my yearly weekend night bonus ( this bonus is awarded if you spend {$10000.00} in a calendar year which I had done ). They now refuse to give me my one free night certificate which I earned. This whole experience has been shady to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX {$6900.00}.
Product: Credit reporting

Experian credit reporting agency repeatedly adds my son XXXX XXXX to my credit reports every time they do an inquiry on myself XXXX XXXX. My social security number is XXXX. My son XXXX XXXX 's social security number is XXXX. We have different addresses ; My address is XXXX XXXX XXXX XXXX. XXXX XXXX NY. My son 's address is XXXX XXXX XXXX XXXX XXXX, NY XXXX. With different ssn 's and addresses, I do not know way Experian can not get things right. On my last personal credit report # XXXX sent to me by Experian on XXXX XXXX, 2016 which included XXXX pages, Experian listed 19 ( nineteen ) incorrect credit information listings, on that report, that DO NOT apply to me, at all, but they do apply to my son XXXX XXXX. Pages XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX all have 1 ( one ) incorrect credit information listing that DO NOT apply to me, at all!!! Pages XXXX ; XXXX ; XXXX ; and XXXX all have 2 ( two ) incorrect listings that DO NOT apply to me, at all!! And page XXXX has 4 ( four ) address identification numbers that DO NOT and never have applied to me XXXX XXXX XXXX. There are an additional 6 ( six ) addresses listed that DO NOT and never have applied to me XXXX XXXX XXXX, which makes XXXX definate mistakes made on my credit report by Experian. I would like to make a fervent request that You see to it that Experian Credit Reporting corrects ( deletes ) all the misinformation that they repeated list on my credit report, so that a fair and honest report goes out to all creditors on my behalf. XXXX Bless You and Thank You for looking into this serious matter, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX NY XXXX XXXX or XXXX
Product: Credit reporting or other personal consumer reports

This company has constantly been reporting incorrect information to mess with my credit score. I have been paying monthly, yet this company keeps changing the amounts and increasing the monthly payments which should be {$110.00}. I have received inconsistent payments amounts twice in the same month. When I pay the {$110.00}, they send me an additional bill with a different amount and report to the credit agencies that I am late or have a missed payment! See the attached screenshots of these documents! 
Account # XXXX
Product: Debt collection

I have asked numerous time for a detailed account of the charges and they can not be provided. XXXX of the debt is from XXXX  that is over XXXX  year ago. The statue of limitation is XXXX i believe they are trying to collect on debt that they can not prove is mine.
Product: Credit reporting or other personal consumer reports

I reached out to NFCU for information on a XXXX since my information has been written off but i have not received this information.
Product: Debt collection

Several family members have received phone calls from this company about a money I owe. The tell my family and friends that I am being serve for wire fraud, however I have never received anything in writing. My family and friends were not contacts on any loan of mine. This company took the liberty of calling my work and my ex-husband.
Product: Money transfer, virtual currency, or money service

XXXX total. 
two refunds at XXXX and XXXXXXXX XXXX XXXX XXXXXXXX # XXXX case # XXXX case # XXXX XXXX XXXX XXXX was address XXXXXXXX XXXX XXXX XXXX XXXX ga XXXX now my address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ga XXXX emails - XXXX XXXX XXXX XXXX I want my refund that they messed up and sent to someone I don't know
Product: Debt collection

I was informed from sofi that resurgent owns my debt but I didnt receive a notice from this creditor. I just found out from my credit report that LVNV funding LLC owns my debt but I didnt receive any notification or did I have an opportunity to validate the debt. Please resolve issue please
Product: Credit reporting, credit repair services, or other personal consumer reports

You need to get this XXXX off immediately as it is NOT COMPLIANT ... This is illegal and improper reporting of information, delete without delay permanently as you are required to do to become or remain in metro compliance yourself regardless if or not the reporter alleged is in compliance or not.. XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX/XXXX XXXX XXXX, XXXX XXXX/XXXX, XXXX XXXX , XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX/XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX   ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ),
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX 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 have failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle not only has neglected to protect consumers but also has allowed repeat offenders to exploit system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Alliance One has called daily since XXXX XXXX. 
Called XX/XX/year>, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX.
Product: Debt collection

I am having an ongoing issue with a collection agency which is reporting information in a fraudulent manner to the three credit bureaus and which I have tried on multiple occasions to dispute, asking for validation, verification and original source information. 
The collection agency rubber stamps the dispute as meeting the criteria of the FCRA and ignores the request. This has happened numerous times over the last 4 months. 
Every time I ask for enough data to verify how the company could buy a debt which is illegal, automatically the company reports that it is correct with no proof. It has provided nothing more than a headache at best and a complete lack of transparency with the Fair Credit Reporting Act at worst. 

The collection agency is Knight Adjustment Bureau operating out of Utah. What review I could find on the company read truly horrific and do not surprise me whatsoever. I am asking for this agency to mediate this investigation to make sure that Knight Adjustment Bureau complies with my request as I have grown tired of their illegal methods to hold a consumers credit file hostage with no proof whatsoever that a debt even exists as the company that is reporting it lists a different amount from bureau to bureau and when I tried to call the company the call rang on and on with no answer or message. 

Assistance is sorely needed and will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

I am writing formally express my concerns regarding Zelle 's and XXXX XXXX handling disputes, particularly in the light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle only that one time, my financial institution and Zelle/XXXX  XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking this one transaction was unfeasible. The CFPB 's findings indicate that XXXX XXXX has not only neglected to protect consumers but has also allowed to 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 believe FCRA 605B requires us to delete any incorrect accounts from my credit report. Could you please verify the documents? Some of the listed accounts have inaccuracies in reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

As Federal protected consumer I am being violated by XXXX, XXXX, Equifax to make sure proper steps are taking to insure credit accuracy. They failure of compliance has continued after nothing is being done regarding these collection accounts reporting, charge offs are considered a Certificate indebtedness and must not be report it to my credit report. 

XXXX Acct : XXXX XXXX *XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Acct XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) Acct : # XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Acct : # XXXX XXXX XXXX Acct : # XXXX 15 USC 6801 illegal to report transaction history also I did not give these companies written consent to furnisher my information which is also a violation the information privacy act.
Product: Debt collection

Convergent Outsourcing is reporting this account on my credit report for a collection with XXXX in the amount of {$140.00}. This account was previously owned by XXXX and I got it deleted from my credit report as it was a bogus account they could not properly validate or verify. Now I checked my credit report and saw the Convergent Outsourcing reported this account too. How can they do that without notifying me first?
Product: Credit card

I called after reviving phone call and mail stating that I have an XXXX store account card. I do not have nor have ever had an XXXX store card or account. They never proved me of one. I called the custmer service concerning this problem. I have a copy of the paper work sent to me. I need a good email to respond with it. I have tried to upload and having some technical concerns on your website telling me that the file is to big. 

account number XXXX customer service number XXXX XXXX
Product: Credit reporting

Equifax scored me at XXXX stating that " the key factors that adversely affected your credit score '' are ( 1 ) Lack of recent installment loan information. ( I do n't have installment loans ... I pay cash! ) ; ( 2 ) Too few accounts currently paid as agreed ( XXXX I pay everything as agreed and pay all credit cards off in full each month and carry no finance charges! ) The other two reasons given are subjective and totally inaccurate! ( Please say Hello to XXXX ! )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit report includes an entry that my wife and I have a government lean/levy for {$26000.00}. I have a letter from the government stating we do not owe anything. I believe the local county ( either XXXX or XXXX Pa ) added the lean/levy. The other credit bureaus do not have this negative entry. My wife and I are seniors living on a fixed income. 

Please help us. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COLUMBIA DEBT RECOVERY LLC DBA GENESIS is attempting to collect a debt without first trying to collect from the group the judgement ordered. I received a settlement of my rental debt through the Department of Commerce TPP department who agreed to loan me the amount of this debt. XXXX Properties hand in hand with XXXX XXXX XXXX completely disregarded this settlement and came after me. They eventually sold this debt to the aforementioned collection agency who, by their own admission, have no record of this settlement. Ive sent them the paperwork more than once and they refuse to stop harassing me or reporting to the credit union. Im at a loss. I dont know what to do.
Product: Credit card or prepaid card

Cash app has been discriminating on my account they are denying claims when I make them and tell me they have no further information! They dont even investigate the dispute! I disputed a XXXX transaction and WON I have no account with XXXX and cash app has been proven it and refunded me and then we didnt catch it till I was doing my taxes well I reached out and they denied my claim with out investigating a few days later! They have been doing this with account for a long time they wont believe me and immediately refuse to accept claim and wont give me reason why what makes it very obvious is here we have a dispute I won against this merchant and I have offered merchant number emails and most importantly of all cash agreed with me about the XX/XX/XXXX transaction when I filed dispute but yet now denied XXXX transaction it makes no sense I have no open XXXX account! XXXX will verify I am not that account holder! I did not authorize any payment I have been in and out of hospital for last two years I have emails my email and personal information was compromised but again most importantly how can cash app deny the 2nd claim when first one was proven I did t do it and have no account with XXXX I feel like they didnt even bother to look for some reason they been discriminating against my account! I have asked them and told them its my right to know how and when they investigate it?! When its right there and I won XXXX dispute I have no account with XXXX NO ACCOUNT WITH THEM! And they know this cause I won XX/XX/XXXX dispute transaction!
Product: Mortgage

BANK OF AMERICA N, A. Today how true it's become, there's nothing in the Laws of Protecting the consumers with home mortgages during only the choices of the lenders and the servicer decision and times of transfer. There seems only question How BANK of AMERICA can walk away after 15 yrs of paying them on time, monthly in full, and year to date. I have been set up to be forced into a unnecessary fore closer of BANK of AMERICA choice of timing to sell my loan, Since this has become to be a dog eat dog situation now without understanding how this is all possible with ( NOT ) having My original loan documents in hand to understand, If the truth of increases of payment are TRUE, Today,? I smell a big FAT HUNGRY RAT here.? With the viewing of there last statement at the end of XX/XX/2018 there statement reads my Interest only loan is over XX/XX/XXXX and also within my terms of my loan, ( IV'E STILL BEEN DECLINED ) in asking for a copy? Also in the terms of My loan the interest rate stayed the same for a period of a year So let 's add 1.25 % to My XXXX interest rate and make it 5.25 % also effective XX/XX/XXXX..that might also increase the payment, ( YOU THINK ) it doesn't take rocket scientist to explain with paying interest only for the past yrs and adding a higher interest rate with Of coarse Principle also on XX/XX/XXXX your NEW grand total DUE AS your Monthly payment went from affordable yes maybe if i was working at this time, TO GOOD LUCK BETTER FIND A JOB LOSER YOUR payment are NOT GOING TO BE AFFORDABLE NOW AT XXXX.. So loser thats paid B OF A as on time, monthly for 15 yrs, calls to say I need help B of A? Send the forms, print them from On line as available, Sure the next day I do .Wait for answer, nothing in there, system, send again,, THE LETTER CAME, there walking papers of saying your loan has been sold, transfered, as of the most exciting day of XX/XX/XXXX,? ( loser ) is right NOW WITH DOG EAT DOG, Iv'e been thrown out to Have the XXXX Basically finish me off with biting my head off as been forced to pay the {$3700.00} new payment as late with running to understand how this has? yes TRUE sending me a late payment AND saying know they haven't received a payment for XXXX thats cleared as my bank tells me today has,????? new letter today says i owe them for two months here WE GO {$7600.00} IN TWO DAYS THATS WITH LATE FEES INCLUDED THANK XXXX,? SURE NO PROBLEM, is THIS REALLY THE WAY THE BANKING WORLD HELPS TODAY, YES ALL TRUE, Thank you XXXX XXXX ( LOSER ) watcha going to do now, THERES NO LAWS TO PROTECT YOU? Intention of B of A UNNECESSARY RELATION OF UNNECESSARY FORE CLOSER TO PROFIT OF MY CONTACTING FOR HELP TO BAIL OUT AND WALK?
Product: Money transfer, virtual currency, or money service

On Thursday XX/XX/XXXX I tried to purchase tickets from An individual who said he had two tickets for XXXX  $ so I went for it like an idiot. The person blocked me after payment