23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan is with Green Tree Servicing as interest rates fell during the mid and late XX/XX/XXXX Myself and My wife were interested on numerous occasions at restructuring our loan either as a refinance etc. but we were always told that it was impossible by Green Tree representatives, when MHA, restructuring etc. was made available under Federal Law again Green Tree advised us that a Refinance within the company was impossible, although they offered loan products of all types, My mortgage has always been paid on time we have never had as much as a day late mortgage payment all we ever wanted to to do was take advantage of lower interest rates, Our home was purchased in XX/XX/XXXX and it is a mobile home but on a fixed foundation and considered real property by the county within in where we reside Our interest rate is 7.79 and Originated with XXXX and was sold apparently to Green Tree in which our nightmare began early this year I filed a complaint with the Tennessee Consumer Division, because although our mortgage has always been timely and paid in full Green Tree hounded us by phone almost daily after being notified division in ( which Green Tree stated in an out right Lie they never contacted us, ) advised the STATE OF TN They would put us on a no call list, etc. I would just like to know why our loan through GT Servicing does n't even qualify for Bi-Weekly payments or any change for that matter, I have been told every time I spoke with Green Tree where I called that we could n't modify at all period Why, no one at Green Tree would explain to us at all just simply that we couldnt change anything, I 'm not asking for my mortgage to be paid for me I just dont understand why we are discriminated against by this company under the MHA Law or any other aspect of our Loan
Product: Credit reporting, credit repair services, or other personal consumer reports

During the months of XX/XX/ my XXXX XXXX XXXX card was lost. I canceled and ordered one it never arrived and so I ordered another one. XXXX sent an update to all consumer reporting agencies concerned advising them of my new card info and that they should all update my card info. Equifax was the only agency that reported that my account was closed completely. I called XXXX and they advised me, in no way shape form or fashion did they close my account. To my detriment my credit score dropped XXXX points because of Equifaxs unconscionable and neglectful act which caused me to loose opportunities with another credit card company to lower my interest rates.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have been unemployed for XXXX  months now. I am starting to miss payments on my credit accounts as a result. Potential employers often pull a credit report to see if they want to hire me. I need a job so I can make my credit account payments, but they decline to hire me because I have missed payments. It is a Catch XXXX!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in letters to XXXX Equifax, and also XXXX XXXX I have also called I have also upload my photo Id and social security card to have proper things taking off my credit report. I am not sure why they even keep letting people run my credit with out verifying that it is me. This is why I have a fraud alert on my report. I just so happen to pull my report and this is crazy how they have let just about everyone pull my credit. I recently order my credit report and noticed that there are more then a few inquires that I do n't recognize nor did I authorize. Such as : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are the inquiries that are unauthorized and unrecognizable. I have called over and over again and for some reason they keep telling me that there is nothing that they can do. If this is true then why would I even have a fraud alert on my report. The FCRA states that the only permissible purpose for pulling someone 's credit is for : A. Firm offer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX order The following credit inquiries are related to none of the aforementioned permissible. Please remove these credit inquiries immediately.I would also like and updated report when this problem is corrected. Thank you so very much in advance XXXX XXXX I would also like my correct name and address and right social security number updated along with my phone number. I am attaching copies of all the correct items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report a bankruptcy on my credit report and has stated that it is verified even though they are verifying the status through XXXX. XXXX advised that the bankruptcy reported has been removed from my credit report since XX/XX/XXXX but Transunion continues to report it. Transunion advised that they have not used XXXX since XX/XX/XXXX but continues to report false information given to them by XXXX. The XXXX XXXX  XXXX XXXX does not verify any information relating to consumer reports with credit reporting agencies. Transunion is reporting Inaccurate information on my consumer credit Report. This has caused damages and is a violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. Transunion has been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing, etc. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. Transunion has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Product: Credit card or prepaid card

On the XXXXXXXX I made a payment at capitol one credit card for {$1800.00} I have emails confirming the payment posted however on XXXX XXXX XXXX XXXX capitol one charged me again for the same amount, purchase adjustment, I called XXXXapitol one and they said they charged me twice and I will pay twice and they wont refund my money.
Product: Credit card or prepaid card

XXXX XX/XX/XXXX, I accepted Capital One 's Balance Transfer Offer of {$3300.00} to be paid to my XXXX XXXX XXXX XXXX account. I did this transaction on the Cap 1 app & I know that I entered the correct account number as well as the mailing address. I had to look up the address off of my statement & I triple checked all information. I received notice from Cap 1 on XXXX XX/XX/XXXX that the transfer amount of {$3300.00} plus the {$99.00} fee was placed on my Cap 1 account. I did not see the balance transfer amount of {$3300.00} being reported on my XXXX XXXX account. I waited for my next statement incase it was taking a bit longer to process. By XXXX XX/XX/XXXX, the payment had not been received by XXXX XXXX  XXXX XXXX XXXX XXXX acct ). I called Capital One on XXXX XX/XX/XXXX to inquire where the payment was. 72 minutes & 3 representatives & 1 supervisor later, all they could tell me is that the check has been cashed. I explained to each rep that the receiving account has not received the payment therefore Cap 1 must have sent the check to the wrong company. They would not give me any information to where the check was sent. I finally demanded Cap 1 to open an investigation but I have yet to hear anything. I am now paying two credit accounts for the same amount, at this time have incurred {$400.00} in interest charges on the account that was to receive the balance transfer amount & I have paid the {$99.00} transfer fee for money I never received. I am pay a lot of money for something I have not received & I am not getting any results from Capital One.
Product: Checking or savings account

Chase closed my account on XX/XX/2023 without a notice ahead, which caused lots of inconvenience and loss of money to me. I called the company for more information but they didn't give any information and help to me. They just said my account was closed and can not be reopened anymore. I still have over {$3600.00} in my account when closing, so I called chase for the money back. After several calls, they said they have mailed over {$2800.00} to me, but there are still {$820.00} in my account. The {$820.00} was from five checks. One of them was a bonus check from my employer with my nickname on it. Four of them are checks from my friends, with their name on it. ( My friends are new here and haven't got their US bank account at that time. They can not deposit the checks so they asked me for help. The checks were cash backs from their brokers company. ) I called chase again and again to get my money back. The customer service attitude was very bad. They told me that they could call the check issuer to get them verified, and I did give my employer 's and my friends ' numbers to them. But they said the numbers were not verified in their system. How old their system is? The system is totally out of date! I got my employer 's number from XXXX and the company 's website. The company has been several years! It's ridiculous that it's not verified. They can not verify my friends ' numbers as well. Does it mean that they could always keep my money as long as they always say the numbers are not verified? Is that one of the ways Chase make money? All they need to do is say We can't verify your numbers ' and they'll keep holding my money. How unfair is it!
Product: Debt collection

This is a follow up of closed complaint # XXXX I.C. System is in clear violation of the FDCPA Laws. From there previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth was ignored, so was the Notice of Default and Opportunity to Cure Notice. 

The Law States the Following : An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit.

'' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Product: Debt collection

A.R.M. Solutions Inc. has attempted to collect a debt on behalf of The XXXX XXXX ( newspaper ) for an alleged charge I never agreed to. I contacted both A.R.M. ( the collection agency ) and XXXX XXXX XXXX. Both agreed to stop calling, but neither offered to clear the erroneous charge from my record without written follow-up from me, which I believe is unnecessary since there is nothing in either of their files to substantiate that the debt was rightfully charged in the first place. I believe both companies should be warned or charged for both fraudulently originating charges as well as aggressively attempting to collect on such charges, and finally for not promptly and simply taking action to remove the erroneous information from their tracking systems without undue burden on me.
Product: Credit reporting or other personal consumer reports

To validate this debt and to prove this is my debt.
Product: Credit reporting or other personal consumer reports

I contacted all XXXX credit reporting agencies XXXX, XXXX, Transunion, and XXXX ( the creditor ) multiple times int he last year, most recently the last XXXX  days - each day about account number ending in XXXX. 

I have filed XXXX disputes with each credit reporting agency as to the accuracy of the information. The response each time from XXXX has been that they are reporting it accurately and the credit agencies do not correct the information. 

I have spoken with XXXX 's customer service department and charge-off department. XXXX 's charge-off department has confirmed that the debt was charged off on XX/XX/XXXX. They have claimed several things, but the last of which was today, XX/XX/XXXX. They state that they are reporting to all XXXX  credit reporting agencies that it was charged of on XX/XX/XXXX, so they, the credit agencies themselves are reporting this wrong on my report. 

I have spoken with all XXXX credit agencies several times each and they told me that XXXX must be reporting it wrong and that is why it is not showing accurately as a charge off. 

The account status remains " In repossession '' rather than " Charged off '' today, almost XXXX  years after it was charged off. 

This error is preventing me from being approved for the housing my family needs and I am powerless to do anything because no one involved will take responsibility.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXXXXXX Balance : {$540.00} XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX & CO XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$690.00} XXXX XXXX Balance : {$570.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX A ) XXXX Balance : {$680.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} ( Original Creditor : XXXX ) XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Obsolete/Incorrect Information in My Credit Report Under 15 USC 1681c and Non-Receipt of Form 1099-C Dear Credit Bureau I am writing to dispute inaccurate and potentially obsolete information that appears on my credit report, in accordance with 15 USC Code 1681c of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing the continued reporting of an account that I believe should no longer be included. 

The account details are as follows : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Delinquency/Charge-off/Closure : XX/XX/XXXX Nature of Dispute : The debt in question should have been removed due to the passage of the [ seven-year ] reporting limit under 15 USC Code 1681c. Furthermore, I never received a Form 1099-C for the alleged cancellation of debt, which raises questions regarding the validity and status of this account.

Since I did not receive a Form 1099-C, there is no record that this debt was officially canceled or forgiven. This lack of documentation further supports my belief that the information is either obsolete or inaccurate and should not be included in my credit file.

I request that you : 1. Immediately remove the outdated or incorrect account from my credit report.

2. Conduct a thorough investigation to verify the accuracy of this information and determine why a Form 1099-C was not issued.

3. Provide me with written confirmation that the disputed information has been removed or corrected once your investigation is complete.

Under the FCRA, you are required to investigate this matter and correct any inaccuracies or outdated information within 30 days. Please consider this letter a formal dispute.

I have enclosed a copy of my credit report with the disputed item highlighted, as well as copies of identification documents to verify my identity. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that the erroneous information has been removed from my credit report. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX  I spent 3 hours on the phone with various Wells Fargo reps. trying to find out what fraudulent charges were on my credit card adding up to over XXXX, because Wells Fargo wasnt sending me my credit card statements like they were supposed to, but in XX/XX/XXXX  I put in a fraudulent dispute on several fraudulent charges on my account that Wells Fargo had me thinking they credited my account for.Wells Fargo representatives kept me locked out my credit card online where I couldnt review my account online. 

I learned that my Wells Fargo credit card has the wrong balance reporting to credit bureaus of over XXXX with over {$5200.00} being fraudulent charges. Wells Fargo was supposed to have been sending me printed statements, but Wells Fargo wasnt sending me my statements, so I dont know if these are new fraudulent charges or what bringing my balance that high!
Product: Debt collection

I got out of the military in XXXX, at the time I had a military star card from AFEES. The debt went into collections and they have taken my tax refunds every year since including the most recent third stimulus payment. I just called them and my original debt was XXXX and now 12 years later after taking i would guess XXXX worth of tax refunds they said the balance is now XXXX and that the money they have garnished did not even cover the interest. I know this is a federal debt according to them, but is there anything I am able to do? Does the statue of limitations apply? I saw that in XXXX there was a class action lawsuit in California for this reason and the group suing won because the statute of limitations had been passed long ago.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which is found to be fraud 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. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance owned : {$0.00} XXXX XXXX Balance Owned : {$1300.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX/DOFED XXXX Balance owned : {$0.00} XXXX XXXX XXXX XXXX Balance Owned : {$0.00} XXXX XXXX Balance Owned : {$0.00} XXXX XXXX Owned : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I took out a school loan of {$19000.00} through XXXX in XXXX of 2019 for XXXX XXXX Recently I checked my credit report on Experian and saw that its reported that I have XXXX loans of the same amount on the same day ( XX/XX/year> ) taken out by XXXX in XXXX of 2019. This information is incorrect and it is a duplicate. I currently only have XXXX loan from XXXX. This is affecting my XXXX XXXX. When I tried to dispute the information through Experian, nothing was done.
Product: Mortgage

Dear Court and whomever this may concern, I am writing to file a complaint seeking an injunction to stop the sale of my house and auction. I am the owner of XXXX XXXX  XXXX XXXX XXXX, and I am writing this letter as a formal complaint. 

My mother is elderly and sick, and I am her caretaker. We have lived in our home a nice amount of time and we have always lived together, and she suffers from XXXX. In here mind right now, it is the only home my mother has ever known. We had been making payments on the mortgage, but recently we were informed that the finance company did not receive the payments. We were told that the payments were lost in a wire transfer, and we have since been trying to rectify the situation. 

We have been informed that there is a sale going under the underwriting process, and we are currently waiting on funds in the close of the sale. We believe that the sale of our home and the auction should be stopped until this matter can be resolved. 

I am seeking an injunction to stop the sale of my house and auction, as my mother is elderly and sick and we have nowhere else to go. We have made every effort to pay our mortgage and have been working to resolve the issue with the missed payments. We believe that the sale of our home and auction would cause irreparable harm to my mother 's health and well-being. 

I respectfully request that you consider our situation and grant the injunction to stop the sale of my house and auction until this matter can be resolved. Thank you for your time and consideration. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX