23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was transferred to GreenTree Servicing when XXXX XXXX XXXX was told they had too many mortgages after merging with XXXX. Since then I have received numerous harassing phone calls telling me my mortgage is past due. That is not true. In fact, I always pay EARLY as I was told to do when buying my first home. I have emailed them, asked for a supervisor to take over my account, etc ... ..and they STILL keep calling. I was so angry with them today that I started searching online and surprise - I 'm not the only person they are abusing. I would appreciate any help you can give me. It seems very unfair to be harassed while paying my mortgage EARLY - every month.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent account listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize this account and request your prompt assistance in addressing this matter. 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Opened : XX/XX/year> - Amount : {$00.00}
Product: Vehicle loan or lease

I bought a XXXX XXXX XXXX around XX/XX/XXXX from a car dealership and Im pretty sure this is related to the big case against Wells Fargo and their predatory lending case that was written about at the end of XXXX in XXXX in various news articles. They approved me for an auto loan with an APR of 9.84 % over XXXX years with no credit history and with hardly any income at the age of XXXX. Now Im still making my payments on time ( around {$460.00} a month ) and Ive been making more aggressive payments of {$600.00} every XXXX weeks and I asked for a pay off quote and they quoted the same principal amount I see on my statement but that amount includes interest. A sum including interest is not considered the principal sum of a loan. They also only shorten the maturity date of the loan from making early payments and Im still obligated to pay all interest regardless of how early I make my payments. Is it really legal to obligate a borrower to pay interest on a sum of money thats being paid off earlier? I believe this loan was very predatory to begin with from Wells Fargo and I would like to be able to pay off the loan without having to pay their unethically high and yes Im saying it again predatory rate. Thank you for your time and any attention to my comment would be appreciated.
Product: Credit reporting or other personal consumer reports

XXXX is colluding with the CEOs of certain CRAs, and has refused to provide all three CRAs with accurate and correct credit information, using the word, paid in full, yet is refusing to report {$0.00} balance to XXXX, Equifax, and XXXX in the proper numerical format that each CRA requires to ensure that my loan payment will not positively increase my credit score. 

I have attached an image that none of my credit scores have changed after the {$130.00} payment in XXXX of XXXX, as of today, XX/XX/XXXX, because XXXX continues to state that customer can not be located, and committed postal fraud, by claiming that mail sent to me was sent back ; although, I am in possession of all communication from XXXX sent via the US Postal Service. in addition to the fact that I am signed up for electronic communication. I will be contacting the US Postal Inspector. 

XXXX also committed fraud by falsely reporting to the CRAs that they can not locate me, they have also refused to report loan balance went from {$130000.00} to {$0.00} balance, paid never late, and can locate consumer. They are reporting loan paid in full, instead of As a result, my score did not increase although, {$130.00} worth of debt has been paid, and resulted in XXXX balance. The manipulation of this information has resulted in my credit score remaining the same with all three credit bureaus, and is affecting my ability to purchase a home.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the consumer 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 Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Mortgage

We are trying to sell our current home and purchase a new one. Mr. Copper the loan company on the house we own now had told us when we got into a modification that they would adjust a lot of the fees which are over eighty thousand dollars on a XXXX XXXX XXXX XXXX dollar loan. We have asked them to explain all the fees and they refuse to do so just saying they are correct and there is nothing that we can do. We have been mislead and lied to for years throughout the process. The original loan was with XXXX XXXX XXXX and it was a terrible interest only ARM that we tried to get out of and the only way to do so was to default. We did that and XXXX added a bunch of fees and then went out of business for criminal activity. The loan was sold to Nationstar whom added XXXX XXXX more dollars to the loan during the modification and said if we did not agree to the fees that we would loss the house. We have an XXXX XXXX son and we have no choice and signed the modification. XXXX XXXX XXXX dollars was set aside and not bearing interest. They told us that they would work with us to reduce that because that was all fees. That never happened. My loan of XXXX dollars is know XXXX and I have not borrowed any more money on the house this is all fees that were added to my loan and Mr. Copper refuses to help us in anyway. The fees accumulated in a very short time. We have tried everything to work with Mr Copper, Nationstar and XXXX did everything they told us to do during the modification and they just refuse to explain anything. We hope you can help us get somewhere and headed in the right direction. We only want to be treated fairly. Thank you for your help.
Product: Money transfer, virtual currency, or money service

The purpose of this elaborate message is to inform you that TD Bank sent me a letter ( attached ) and I called the phone number on it to find out why they returned the wrong amount of money. They never gave me a concrete response ( the conversation was being recorded on their end ). Besides the missing money, I also brought up my travel expenses to XXXX ( last minute airfare, car rental, food, and gas to cite a few ) and the fact I missed the opportunity to buy the vacation home due to the bank 's gross incompetence in transferring the funds. They asked me to estimate my expenses/money loss regarding the useless trip was over XXXX {$15000.00} ( XXXX XXXX dollars ) plus the legal fees and all that took a toll on my health. 

Last Monday, XX/XX/XXXX, I went to the doctor ( XXXX XXXX XXXX at XXXX XXXX XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, XXXX, FL ( XXXX ) XXXX ) because all the stress and nervous breaking down caused by the bank is causing me to lose sleep and always be on the edge. The doctor informed me that my XXXX XXXX is XXXX XXXX and advised me to check my XXXX everyday for a week to see if it is a temporary issue or if I will need to be on medication for this issue. According to the doctor, this XXXX XXXX XXXX issue could be caused by the amount of stress I have been exposed to since the problem with TD Bank started. I have never had any XXXX XXXX problems before all this. 


NOTE : AS OFF TODAY, A DOCTOR STARTED ME ON XXXX XXXX  XXXX PRESCRIPTION DUE TO ALL THE STRESS THIS SITUATION IS CAUSING ME. I NEVER HAD ANY MEDICAL ISSUE LIKE THAT BEFORE.
Product: Debt collection

I moved out of my apartment on XX/XX/2017. Turned in keys and gate key card. The person took my information just in case I may owe something. Never received any notification about the debt and then in XXXX a collection shows on my credit reports. I have contact the apartment front office and also Headquarters but no will call me back or send a letter breaking down why I owe the amount. This should not have been in collection if I never received any notice. I will continue to disputes until some one contact from XXXX with a break down of the charges
Product: Credit reporting

I have a charge off account with University XXXX at XXXX that has been paid in full. I have alerted all XXXX major credit agencies to inform them with accurate information. Provided the contact information of the original creditor which is XXXX XXXX XXXX ( XXXX ) whom works at the university and is in charge of the account ; so they can confirm/verify that the account is paid in which agreement was made to have the account deleted from all reports. Each credit agency failed to follow through with my investigation even after I gave them the contact information. I keep getting the same results from them stating '' consumer disagrees, account is accurate ''. That is wrong and incorrect. If they follow through like they 're supposed to then they will find out that the account is indeed paid off and that the original creditor agreed to delete this from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX  ) XX/XX/2022 I noticed this hard inquiry placed on my account but I never applied for such thing. 

BARCLAYS BANK DELAWARE ( Bank ) XX/XX/2022 This one was also placed as a hard inquiry on my account but again, never did I apply for a loan or credit card from either of these places and would like these taken off my account and resolved.
Product: Credit reporting or other personal consumer reports

I was recently checking my credit report again and noticed Equifax put an account back on my report that was removed based on an early dispute I filed in XXXX of this year. This XXXXXXXX XXXX account reappeared on my report with no communication from Equifax. This is a clear violation of 1681i ( a ) ( 5 ) ( B ) ( ii ) - Equifax did NOT notify me within 5 days of reinserting this item on my credit report. Additionally I demand to evaluate ANY documentation received from this creditor to verify. They did not ensure that this info was accurate before putting on my report and it's unacceptable.
Product: Debt collection

Re : XXXX Bill # XXXX I have submitted a certified letter and other letters to Harris & Harris over the last 4-6 months asking them for validation of this debt. I asked them to please provide the name, address, and telephone number of every person who personally verified this alleged account, so that I can inquire about how they verified it without providing any proof, bearing my signature. This creditor failed to provide any documentation. The only information they sent was to my XXXX  credit report with my name, their information, the account number and the amount owed. 

Moreover, this fraud utility account is reporting inaccurate information on my XXXX  credit report. This false debt is hurting me and my family in this pandemic. Because Im trying to refinance my mortgage and they the mortgage company wants to know what is this collection on my credit report. I want someone to send me the contract i signed with you consenting to doing business with you? If there is No contract how can I have a debt with you.Delete this off my report within 30 days per the FCRA
Product: Credit card or prepaid card

Last XX/XX/XXXX Walmart XXXX closed my account based on a payment taken from an account that was closed! I have never made a missed or late payment! There was a glitch in the system when I made a payment and it was sent back! Walmart has not as of yet assisted me in deleting this closed account from their system! In fact, this has impacted and negatively affected my credit report! Other lenders are viewing this report and are decreasing my credit because of this report! This is against the fair credit act! Please help!!!
Product: Credit reporting or other personal consumer reports

Ive disputed these inquiries with the major 3 bureaus as well as the company, the months of XXXX and XXXX. To provide me with - A description of the procedures used in your investigation - Original documentation regarding this inquiry - All records pertaining to actual inquiry to prove validity Physical Proof of the application authorizing the disclosure of credit files with my signature. If not please delete these as they adversely affecting my credit report and is impeding my ability to obtain necessary credit
Product: Credit reporting

I am requesting to file suit against Equifax, I am not sure what these people 's problems are however, the only way this will all be resolved as if it goes in front of a judge. Equifax, you have taken my XXXX XXXX credit card off of my credit report. You will not update the XXXX XXXX XXXX and XXXX XXXX as being paid in full. You will not take the Mortgage off of my credit report. At this time I think it is just best that this goes in front of a XXXX judge to be resolve. I will be filing suit in the morning. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing a hard credit pull inquiry from your company that has negatively impacted my score on XX/XX/XXXX and again on XX/XX/XXXX. I did not authorize this pull from your company and I can only imagine it was done fraudulently during the sale without proper disclosure and under false pretenses/terms. Additionally I am impacted by XXXX, XXXX and now XXXX variants. I can not speak on the phone but assure you if not remedied in a timely fashion and corrected there will be lawsuits filed, citing this request to remove. Please respond by hard copy printed mail once it is removed. Thank you.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX XXXX, 2021 and XXXX XXXX 2024 and I notice some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I sent a letter asking them to reinvestigate these accounts listed below because thsese accounts was removed a XXXX year ago now they rereported these same accounts below The credit bureaus have not sent me a tracking number or no information regarding these accounts XXXX XXXX XXXX XXXX XXXX, XXXX {$360.00} Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate XXXX XXXX XXXX XXXX. XXXX, XXXX {$1800.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$5500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$6500.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate XXXX XXXX XXXX XXXX XXXX, XXXX {$11000.00} Open date is not reported correctly, date last active, date of last payment is not correct, open balance of this account is not accurate These XXXX XXXX  marks Open date is not reported correctly, date last active, date of last payment is not correct, this account is not accurate They have not responded to me, Can you look into this matter again thanks.
Product: Credit reporting or other personal consumer reports

I checked my credit profile and found some inquiries that is not 100 % accurate these items are not being reported as 100 % correct! I know that this is against the laws that protect me to report any information, data, XXXX inquiries that have not been showing as 100 % accurate. Inside The fair credit reporting act it say that every single thing on my credit must be 100 % accurate under 15 USC Code 1681e ( b ) and 15 USC 1681i ( 5 ) these fraudulent inquires on my credit report is a huge violation of not reporting a account 100 % accurately for these violations I can sue transunion for {$4000.00} in federal court for {$1000.00} per violation!
Product: Credit card

In XXXX I received a notice included in by bill that any purchase in excess of {$500.00} would be interest free for 6 months. I made a purchase of {$740.00}. The company, Comenity continued to charge me interest at their standard amount over the next 6 months even though I was paying the monthly bill and paid what should have been the outstanding balance at the end of the 6 month term. When I questioned it they told me that : my purchase was not during a promotion my purchase did not meet the minimum purchase amount When I went to my online account to pull the XXXX statement, it was mysteriously missing although all the other monthly statements were there. However the XXXX statement included the same promotion.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against LVNV FUNDING LLC/Resurgant Capital Services and XXXX XXXX for their failure to delete two fraudulent accounts from my XXXX  credit report, despite LVNV FUNDING LLC/Resurgant Capital Services deleted it from XXXX and XXXX. This matter has caused significant distress and harm to my financial standing and reputation. LVNV FUNDING LLC XXXXand LVNV FUNDING LLC XXXX. On XX/XX/XXXX, I submitted a dispute to XXXX regarding an erroneous account that appeared on my credit report. This account was fraudulent and should not have been associated with my credit history. On XX/XX/XXXX and XX/XX/XXXX I responded to LVNV FUNDING LLC/Resurgant Capital Services email and my exact words were This account is not mines I never done business with your company or if I did please send me documents where I gave your company any consent to do business with me, if this information can not be provided please cease and desist. Best regards, XXXX XXXX XXXX. But they keep on sending letters without validating any debt they say I allegedly owe them. They keep harassing and abusing me through 3rd parties like the these credit agencies. However, XXXX responded to my dispute by verifying the accuracy of the information and refusing to remove it from my credit report. It is my understanding that before reporting any information to a consumers credit report, credit agencies such as XXXX are required to obtain written consent from the consumer. In this case, it appears that XXXX failed to adequately investigate the disputed information before reporting it as accurate. This failure to investigate properly has resulted in XXXX damaging my character, causing undue stress, and putting a strain on my life and reputation. By allowing inaccurate and misleading information to remain on my credit report, XXXX is impeding my ability to secure credit and financial opportunities. I believe that XXXX actions in this matter constitute a violation of consumer protection laws and regulations, including the Fair Credit Reporting Act ( FCRA ). I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX and LVNV FUNDING LLC/Resurgant Capital Services complies with its legal obligations. Furthermore, I request that LVNV FUNDING LLC/Resurgant Capital Services be held accountable for its failure to delete the unverifiable account from my XXXX credit report, despite having done so with XXXX and XXXX. Their inconsistent actions have caused confusion and further harm to my financial standing. Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue and protect consumers like myself from unfair and deceptive practices by credit agencies and debt collectors. THANK YOU!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from Experian, XXXX, or XXXX, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash app fail to take action timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and i seek redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been inaccurate late payment reporting to the credit bureaus XXXX, XXXX, Transunion .The account number from XXXX is # XXXX. I have sent proof of payment made from my checking account for the months inaccurately reported and still as of now they are still on my credit XXXX. The following months are the issue XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, ... .i have also mailed to CFPB the copy of both the initial complaint made to all three bureaus and also the 30 day demand letter to comply. As of today XX/XX/XXXX no correspondence or anything has been done .Please help me with this matter for this has caused a serious issue with my financial being to improve.
Product: Credit reporting or other personal consumer reports

Trying to get a human at Experian to talk to me and a lender,, they tell me I am not frozen but tell lender I am
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports I noticed some incorrect addresses on my profile. I sent a letter requesting the addresses to be removed for safety and privacy of my personal information only, my letters went unanswered. Please remove the incorrect personal information from my profile because it does not belong to me and violates my privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX