23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX XXXX I contacted the Consumer Financial Protection bureau concerning the problems I had experienced trying to qualify for the HARP program thur GreenTree my mortgage servicer. ( exhibit XXXX & XXXX ) For over 6 months I provided all the paperwork requested in order to modify my XXXX loan. I was denied because I could not prove a hardship ( exhibit XXXX ) and was instructed to try again where I supplied a hardship letter on XXXX XXXX, XXXX ( exhibit XXXX ). On XXXX XXXX GreeTree pulled my credit ( exhibit XXXX ), and was then denied because I had a perfect payment history on my mortgage with them and to qualify for HAMP you need to be delinquent on your mortgage ( exhibit XXXX ). I knew I was not dealing with brain surgeons but since GreenTree was/is the servicer of my loan and had the mortgage history they would see that there were no late payments. Why would you waste over 6 months of paperwork, phone calls not to mention playing with people 's finances and emotions when they KNEW I did not qualify? They then suggested the HAPR program but the rate and fees they quoted were higher than I felt they should be. I entered into a HAPR application with Prospect Mortgage, XXXX XXXX, ( XXXX ) and was hopeful that I would be able to finally reduce my rate and be done with GreeTree. To my surprise and disappointment GreenTree who denied me a HAMP modification because I had a perfect payment history was now reporting that I was 30 days late in XXXX, XXXX ( exhibit XXXX ). When I became aware of this I immediately contacted GreenTree and they said that I had no late payments and proved me a credit reference Inquiry on XXXX XXXX, XXXX ( exhibitXXXX ). I also requested a balance be reported and was sent response dated XXXX XXXX, XXXX ( exhibit XXXX ). My attorney prepared a response ( exhibit XXXX ) but per letter XXXX XXXX, XXXX ( exhibit XXXX ) GreenTree refuses to report said balance. However, GreenTree had no problem to continue to report false information ( lates ) on credit report dated XXXX XXXX, XXXX ( exhibit XXXX ) which is 6 weeks after they provided me information matching my records that there has never been a late mortgage payment. Over the next 5 months GreenTree provided XXXX documents confirming NO late payments ( exhibit XXXX ) yet on XXXX XXXX, XXXX GreenTree reported that I was delinquent in XXXX XXXX ( exhibit XXXX ) and the same false information was reported on XXXX XXXX, XXXX ( exhibit XXXX ). 
GreenTree 's deliberate negligent actions are preventing me from refinancing a XXXX loan at 6.125 % rate to a much lower prevailing rate which would enable me to continue to live in my home without worry.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH AND CEASE AND DESIST NOTICE Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

RE : AMEX Amex is a furnisher of Inaccurate and incorrect information to my consumer reporting agencies. 

The reporting of such inaccurate information as cause serious damage to my character my reputation my general mode of living and my ability to obtain credit for personal and also my purpose. 

You're inaccurate reporting have damaged my livelihood 15US code 16 81 s - 2 responsibility of furnishing of information to consumer reporting agencies Duty a moral or legal application a responsibility Accurate correct in all details exact Prohibition a law or regulation forbidden something As defined by the IRS Even if you don't receive a form 1099C you must report cancel that as gross income on your tax return The IRS clearly define a charge off as gross or ordinary income. Income does not get reported and the Consumer report Which in fact makes your reporting of this account inaccurate incorrect and must be deleted By definition the IRS clearly says I canceled our charge of is income the report of this account as a debt is inaccurate and must be deleted from my consumer report. I demand you're company removed this inaccurate incorrect information on my consumer report, to be deleted immediately. 

15 USC 1681 S- 2 says your company are a furniture of information to a consumer reporting agencies.

You are prohibited by law to cease and desist this report of incorrect inaccurate information 15 USC 16 81 2 - S ( a ) ( 1 ) A.

A person shall not furnish any information related to a consumer to any consumer reporting agency If the person knows are as reasonable cause to believe that the information is inaccurate. 

Your company is hereby put and notice, your company is the furnisher of information which as cause serve implication to obtain credit for personal and house purpose. 

The lender must file form XXXX and send you a copy if the amount canceled is {$600.00} or more and the lender is a financial institution, XXXX XXXX, government agency, or other applicable entity as discussed earlier in this chapter XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX A duty of furniture of information to provide accurate information XXXX ) prohibition Be reported information after notice of confirmation of errors A Person shall not furnish information related to a consumer to any consumer report in agency if. 
XXXX ) the person has been notified by the consumer at address specifically by the person for such notice that specified information is incorrect and. 
XXXX ) the information is in fact inaccurate. 

In Conclusion I have shown you and your company is reporting inaccurate information you are put on notice of reporting inaccurate information. Your company have cause me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to cure and delete this erroneous inaccurate account from my consumer report. 



XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 Capital One closed my banking account and a Capital One backed Neiman Marcus credit card. At no point did Capital One contact me to express concerns about my banking. The closing of the accounts has caused material financial harm to me. While I acknowledge they do have the right to close the accounts, I state that Capital One is not operating in the public interest and deserves no protections or charter with any government.
Product: Mortgage

As of XX/XX/2023 I had not heard from SLS about the account. I spent a greater part of Saturday, XX/XX/2023 going over the statements. I am going to attach a thorough breakdown of what it shows... I also hope that this will be the last complaint I have to file so that my account will be accurate.
Product: Credit reporting or other personal consumer reports

I kindly ask for your consideration in removing late payment records from my account. I genuinely believe that this adjustment would not only represent my overall commitment to my financial obligations but also aid me in rebuilding my credit during this recovery period.
Product: Debt collection

Has been going on for years theyve asked for affidavits I sent over five years ago they claimed they didnt get them and continued harassing me by phone. I send them yet another copy of the affidavit but I didnt get it notarized that time. That was probably three years ago. Then they ask me to hand write a letter take a picture and email it. I did that twice and the second time I got a notice that their inbox was full. When I called and told them they told me I was lying. Ive attached the hand written letter
Product: Credit card

After working with Chase Bank on an Internet scam ( XXXX ) for over 18 months with credits applied to my credit card account ( ending in XXXX then changed to XXXX to eliminate this issue ). I closed this account in XXXX 2015 with balanced paid in full. In XXXX 2015 I received a letter saying I authorized them to reopen another account which is not true. Now I keep getting bills with late fees.
Product: Debt collection

I have a debt that was purchased by XXXX XXXX XXXX.. I called them as I am going to be XXXX and have multiple health issues. They said they couldnt help me and said try the Capital one people who they are representing in a new collection. I sent ahead and called the capital one company. They pulled me up by ss i think. I didnt have my account number. 
I got one of their reps and talked to him and he said they bought the debt. But then he said I had two other accounts one which was written off in XXXX. I filed a bk in XX/XX/XXXX and was discharged in XX/XX/XXXX. I made payments for 5 years. hen I got a rep he said I had a write off by their company in 1999. I said I couldnt have. I asked him what they would do with that. He said something like send to an attorney or sell it off. I was very upset. It was Wed. or Thursday of last week. i have another account with them that I am sure they will sell off or send to collection. If worse comes to worse I will have to file another BK. I can not walk hardly at all. I have 2 XXXX  coming up. a XXXX XXXX test, and have had transfusions in the last 6 months. One person said go a desk job. I am XXXX and I cant walk. It seems that they may think they can take action against me for debt 20 years old. I hope you can help. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection on my account for XXXX XXXX for XXXX {$120.00}. It isn't mine, but Transunion said they verified it. However, they didn't because there is no way they were able to do that in the 2 hours it took them to close my dispute. The collection agency wasn't able to provide me documentation as it wasn't mine. I use XXXX not XXXX. 

My identity was stolen years ago and I have previously provided them the police report. Occasionally things appear on my report that aren't mine. This is one of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Froze my credit with equifax, got a code to unfreeze it later but it does not work. I had to send a copy of my social security, drivers licence utility bill. I sent express and they got it. Called them and customer service is in XXXX ( unbelievable for a credit bureau share our confidential info on another country ) and all i got from representative was that i would hear from them in 30 days. I need to get a loan and everything is blocked because of equifax. What can be done? 
Thanks XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan in XX/XX/2018 from Advance Financial to assist with financial issues and took out the amount XXXX but after fees and how they setup your biweekly payments only a small amount goes toward the principle which makes it impossible for payoff. Several complaints from others said the same thing. This company is awful and many are seeking some type of lawsuit for their predatory lending practices
Product: Credit reporting or other personal consumer reports

TRANSUNION HAD allowed Ctedit Companies to run my credit Report Causing a Hard Inquirie and affecting my credit report and And they also are a Company who I had send my Legal Documents and proof arguing for the OPORTUN account with inaccurate information contained within my personal information contained, it's wrong, name, address, they only have XXXX XXXX, they are not providing any other identification or job, or any other sources of proof to identify my self as a responsible owner of the account.! 


TRANSUNION AND XXXX ARE ILigaly Using their power to mess up the XXXX PEOLPLE LIKE ME... Trying to make a decent life and wrongful acting as a XXXX, helping a XXXX XXXX they get benefits daily, promoting their credit cards and getting commission, I get credit offers by 26 % or 36 % for credit or a loan. Just a sample I a get a card loan at a rate of 16 % for the amount of {$13000.00} dollars monthly the Loan company will get about {$240.00} on interest for a person like trying to build my credit after been " mess his identify '' so on that loan TransUnion XXXX will get a percentage, for TRANSUNION is no good to verify and fix the wrong information. 

Please CONSUMER FINANCIAL PROTECTION BAREAU REVIEW THE DOCUMENT. I JUST DONT UNDERSTAND IF " XXXX XXXX WITH the same Documents I provided to, XXXX, TransUnion and XXXX XXXX .only XXXX HAD FIX THE INACCURATE INFORMATION AGAINS ME. 

XXXX, XXXX, and TransUnion had even allowed car dealership companies to run my credit 2 times a day. It's XXXX seem this companies allowing This kind of inappropriate, inaccurate information.
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, and XXXX seek appropriate redress for these violations.
Product: Checking or savings account

I am following up on my previous complaint regarding unauthorized transactions on my Wells Fargo account, which was denied by Wells Fargo despite my efforts to resolve the issue. 

On XX/XX/year>, I discovered several large unauthorized transactions via XXXX from my account ending in XXXX, totaling {$4000.00}. I immediately reported these transactions to Wells Fargo. Although they assured me of an investigation and temporarily credited my account, the issue persisted. 

On XX/XX/year>, another unauthorized transaction of {$2100.00} occurred from my account ending in XXXX, despite me changing my bank information. Wells Fargo once again failed to notify me or verify the legitimacy of this transaction, allowing the intruder to steal my money without verification. 

Both claims were denied, with Wells Fargo stating that the transactions were authorized by me or someone authorized to use my account information. This is untrue, as I never authorized these transactions or gave access to my account to anyone else. I am the sole owner of my account. 

I have attached a police report regarding these unauthorized transactions to support my case. Despite changing passwords, enabling two-factor authentication, and reviewing all recent transactions, the unauthorized transactions continued, indicating a serious issue with Wells Fargo 's handling of my account. 

These unauthorized transactions have caused significant stress and inconvenience, impacting my financial stability and trust in Wells Fargo. I demand a thorough investigation, proper resolution of the unauthorized transactions, and assurances that such lapses will not occur in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for apartment at  XXXX   XXXX  in MD which required a credit and background check. Called back the facility on  XXXX / XXXX /   17  to receive update of application status and was told I was denied because of bad Credit History provided by   XXXX   XXXX   XXXX   XXXX   XXXX  . Called the agency responsible for the report and managed to get a copy of the report on  XXXX / XXXX / 17 . Report at top states no match to my social security number. Report has same n ame, DOB, a nd some matching information l ike one fo rmer address and  XXXX   XXXX  information. Other places of residence in Florida, Social Security Number, Collections History and  XXXX   XXXX  card information are not mine. Report states  Trans Union  was used as referral for report. Checked with  XXXX   XXXX  on  XXXX / XXXX / 17  and confirmed that no one else on my account. Pulled free credit report and received  XXXX  report stat ing Credit bac kground is exceptional, no collection and no  XXXX   XXXX  account present. Due to false information provided lost the apartment unit I was looking to move into and application fee and securit y Deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Transunion Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Transunion has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove this inquiry reported only in my XXXX and Transunion credit file. 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX  XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023
Product: Debt collection

This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed police reports and reports with the ftc. Inquires were placed on my report with out my consent. 

FTC report numbers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

My Mom opened a Citizen bank checking account several years ago. I was put on the account so i could help her if necessary. Just before we left the bank the banking repressive asked her to open a line a of credit with the account. I said that was not possible because I was in the middle of a divorce and my attorney told me to open no new accounts involving credit. They was perfectly clear that as long as I didn't sign the promise to pay I was not involved with the line of credit. They assured me I was not involved with the line of credit. They would not put me in jeopardy like that. They also tried pushing a credit card on her along with other products they had. She took the line of credit and declined the rest. The agent tried to push other products until I stooped her and told her my father had just died and now was not a good time for time. Fast forward to present day my mom defaulted on the line of credit due to the fact she is in a XXXXXXXX XXXX. I think is a similar thing like people went through will XXXX XXXX were the bank agent was looking to make commission or quotas. The was told I could not be a part of this line of credit and I was told I was not on this line of credit. And now the bank is trying to collect from me. They are guilty of frauds
Product: Credit card

XX/XX/2023 - I went to XXXX to apply for a " business only '' credit card with no personal guarantee. I specifically said multiple times to the clerk " I did not want this to have any inquiries on my personal credit report. If it did, I did not want the card and to cancel the application. '' She assured me that it did not and would not. Before submitting the report I asked the above statement one last time. She assured me once again then submitted the report. 
She obviously was incorrect and an unauthorized hard inquiry was put on my credit report with XXXX. When I asked the store manager what can I do he told me to contact their bank ( SYNCBLOWES ) and have them send a letter to XXXX for the unauthorized inquiry. Which I did, and was told they would. However, as of now they have not. So I am filing this report as well.
Product: Credit reporting or other personal consumer reports

**Subject : Formal Complaint Against Experian for Improper Closure of Rental Account** **To : Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX ) XXXX ( XXXX ) Dear Sir/Madam, I am writing to formally lodge a complaint against Experian regarding the improper closure of my rental account, referenced under account number XXXX. This account was opened on XX/XX/XXXX, and has been inaccurately marked as " Closed '' despite my consistent payment history indicating that it is " XXXX, XXXX late. '' The closure of this account constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. Additionally, my XXXX rent payment has not been reflected in the account history, raising significant concerns about the accuracy of the information provided by Experian. 

**Account Details : ** - **Account Type : ** Rental - **Date Opened : ** XX/XX/XXXX - **Status : ** XX/XX/XXXX - **Balance : ** [ {$XXXX} Balance if applicable ] - **Last Payment Date : ** XX/XX/XXXX ) INACCURATE Last payment reported is XX/XX/XXXX Attached to this complaint is my rental ledger, which clearly demonstrates my timely payments and confirms that my account remains in good standing. 

**Requested Actions : ** 1. Immediate reinstatement of my rental account to " Open '' status.

2. A thorough investigation into the circumstances surrounding the closure of my account.

3. A formal written explanation detailing the actions taken to rectify this error.

If this matter is not resolved promptly, I will be compelled to escalate my complaint further, including seeking legal recourse.

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX