23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On the XXXX of XXXX I discovered that my home of 20 years was in foreclosure to be sold on XXXX. Needless to say, I went into panic mode. I immediately called my mortgage company to see if there was anything I can do. I spoke with a XXXX at extension # XXXX. She stated that I was offered a flex medication in XXXX and why I did n't take it. I told XXXX I never received the information. XXXX put me on hold for 5 minutes and came back to the phone and stated she just spoke with the loss mitigation department and they said I had to make those trial payments. I ask XXXX how much do I need to pay now. She gave me a figure of XXXX. I made a payment of {$600.00} on the XXXX of XXXX I made another payment on the XXXX of XXXX for {$600.00}. Called Ditech on the XXXX and spoke with a XXXX at extension XXXX. She stated the trial payments should have been {$630.00} for XXXX, {$630.00} XXXX and {$630.00} for XXXX. So my last payment should be {$710.00}. Called on Friday the XXXX of XXXX to make the last trial payment of {$710.00}. Spoke with XXXX at extension XXXX. I told her Ditech has been working with me on the flex medication and I wanted to make my last payment. She would n't except my payment.I ask to speak with a supervisor, but she said she could n't find one. However, she stated she was going to e-mail someone over in loss mitigation and she would get back to me on XXXX. XXXX did contact me on XXXX the XXXX and stated someone e-mail her back from loss mitigation and stated to make last payment as soon as possible. I called back again on XXXX the XXXX and demanded to speak with a Supervisor. Spoke with a XXXX at extension XXXX. She informed me thet the flex medication was not submitted properly and that she would submit today.Now they tell me flex medication has been denied. I dodnt want to loose my home. Please help me please. 
Thank you so very much.
Product: Debt collection

I do owe this debt as it was already removed from my credit report in 2016 from another collection agency.
Product: Credit card

I closed my secured credit card with first progress XX/XX/year> the deposit was for XXXXXXXX XXXX and they are saying its going to take up to ten weeks but when asked for more information or who I can talk to about expediting the process and all they have said is we dont manage things for example : There app They say they dont handle reporting to the credit companies They say customer service doesnt handle payments And would give me a round about answer about almost everything They say to expedite the process you have to send a letter in to their correspondence team but the only way to contact said team is through mail or fax. There is no communication, no words, no emails, no confirmation and all Ive been told is Im gon na be out my money til the beginning of XXXX and that theres nothing they can do about it because they have to take up to 10 weeks to verify my account balance and send me back my funds. It also took them a lil over a month to accurately report on my credit account showing that my balance had been paid and that my account is closed and its still showing I have a balance currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to access my Equifax credit report and neither is a potential mortgage lender. I called Equifax in early XXXX to try to resolve this issue and was told to fax a copy of my license, a bank statement, and a letter explaining my purpose, which was to lift a freeze on my account. I sent this fax on XX/XX/2021. I called again on XX/XX/2021 because I had not received mail confirmation that the freeze was lifted ( I was told I would receive a paper letter XXXX. The first person I spoke to could not confirm my identity and seemed to struggle with my mailing address. He forwarded me to a second person, who said that the documents I faxed in were not linked in my file and I would need to mail them instead. I have included here a copy of the fax that confirms receipt. Further, I was told my account was frozen because I must have requested a freeze. I have never contacted Equifax before now, either by phone or online and have never requested a freeze. I am concerned about having to call, fax and mail out my SSN multiple times this doesnt seem safe. And I have no confirmation that my information is being received and if it is, that it will resolve whatever problem the company has with my account. I am unable to move forward with the home buying process as long as Equifax holds me here. Thank you for your help resolving this.
Product: Mortgage

Pursuant to 15 USC 1602 ( d ) and 1602 ( h ) my Mother, XXXX of the family XXXX, being a natural person, was unable to engage in commerce and thus never owed any debt. On XX/XX/XXXX, XXXX of the family XXXX was granted an extension of her credit via Freedom Mortgage Corporation. Pursuant to 12 USC 1431 ( a ), since Freedom Mortgage Corporation is a national mortgage bank, they borrow money and never loan. Pursuant to 15 1602 ( c ) the only appropriate way of engaging in commerce is with XXXX XXXX instead of XXXX of the family XXXX and honoring and respecting Uniform Commercial Codes 3-602 and 3-603. Pursuant to 1602 ( k ), the social security number on record should be utilized to credit/off-set the balance of the account to zero. Freedom Mortgage Corporation mailed out correspondences dated XX/XX/XXXX and XX/XX/XXXX acknowledging receipts of payments. Freedom Mortgage declined the payment and according to Uniform Commercial Code 3-603 automatically discharges any debts owed. Each and every payment that has been made towards this mortgage is a violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 4 ), 15 USC 1692e ( 5 ) and 15 USC 1692e ( 10 ). The Mortgage via Freedom Mortgage Corporation is a violation of 12 USC 29.
Product: Credit reporting or other personal consumer reports

I have no access to my own personal credit report. I have access to my MyEquifax.com mobile app. Financial institutions do now have access to my persona credit report. The file just says " Referred File '' Nobody knows what it means. I have contacted Equifax XXXX times in the last XXXX  days to rectify the issue and submitted the requested documents all XXXX times via email and mail. I have spoke to the Consumer Affairs department on all XXXX occasion to rectify the issue, to no avail. Equifax tells me that I can not have access to anything. And if a bank or credit union wants my file, they have to call the Equifax business number, but the Equifax agents can not give us the actual number for anyone to call. Banks have never heard of such a thing. Equifax has provided me absolutely no viable options and it seems they are choosing not to make my report available to anyone including me. This violates the FCRA provisions to an egregious degree. I have complied with all of Equifax 's requests for documents ID materials etc. I do not have a security freeze on my file.. This issue all of a sudden occurred on XX/XX/year>. I have no pending disputes.
Product: Debt collection

Debt collectors Proof of Service shows that a " XXXX '' received the documents at a location which is not my work or my home. Violation of my XXXX and XXXX amendment rights for improper service. Then they proceeded to get a Default Judgement and levied my bank accounts. 
I called them and they refused to release the funds and demanded payment of the debt in full.They refused to vacate the judgement and dismiss the case if I agreed to enter into a monthly plan. They also would not release the funds that were held ( based on an illegal court order ).
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/year> LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX, SC XXXX XXXX : Debt ValidationRequest Disputed Debt Not Mine Due to Identity Theft To Whom It May Concern, I am writing regarding a collection on an account you have reported under my name. This account is not mine, and I have no knowledge of it. My identity has been compromised, including during the XXXX data breach, which has led to fraudulent accounts and inquiries being listed on my credit report. 

Under the Fair Debt Collection practices Act ( FDCPA ), Section 809, I am exercising my right to request validation of this debt. You are legally required to provide the following information within 30 days : 1. Proof that the debt belongs to me, including a signed agreement or contract.

2. A full accounting of the debt, including the original creditor and amount.

3. Evidence that you are authorized to collect this debt.

Additionally, under the Fair Credit reporting Act ( FCRA ), Section 623, as a furnisher of information to the credit reporting agencies, you are required to report accurate and verifiable information. Since I am disputing this debt, you are obligated to notify all credit reporting agencies that this account is under dispute and cease reporting this information on it until l it is verified.

If you are unable to validate the debt within the legally required timeframe or provide proof that it belongs to me, you must remove it from my credit file and cease all collection attempts. Failure to comply with these laws will result in the following actions.

1. A formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for violations of the FDCPA and FCRA.

2. Possible legal action to enforce my rights under federal law.

This letter serves as a formal dispute and request for validation. Until this debt is validated, I am requesting that you cease all communication with me except to provide the requested validation. Furthermore, if this debt is proven to be fraudulent, I demand its immediate removal from my credit report and an updated report reflecting these corrections.

Please confirm receipt of this dispute and provide a resolution in writing. You may contact me at XXXX or via email at XXXX Sincerely, XXXX XXXX
Product: Debt collection

Someone from Providian stating that I had a credit card that was charged off in 2017. They stated they were making sure I got papers served to me from my local government regarding a civil matter. I haven't had a credit card in years and there is nothing on my credit report that shows I owe anybody. The phone number they called me from was XXXX, XXXX, and XXXX. They also contacted my sister as well looking for me. These people have all my info such as address and SSN. Once again, I never had a credit card with Providian and this is a scam. They say I owe over {$2000.00} in debt.
Product: Mortgage

The mortgage holder on my personal home has engaged in unfair debt collections practices on multiple occasions. I will outline three of them here : 1. The lender or lender representative tried to gain access into the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were and why they were there in a somewhat intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered.

3. The lender is trying to circumvent the legal system by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred. 
I do not see how the above actions could fall in line with the Fair Debt Collection Practices, FTC or State Guidelines. I would like to have the issue investigated and some action taken to prevent this abuse of my rights, particularly in this time of an epidemic.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX  XXXX XXXX XXXX ....
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX  XX/XX/2019. I disputed bankruptcies that came back as " VERIFIED '' and would be remaining on my credit report. I inquired as to what source was used to verify this information. I was informed they used XXXX to " VERIFY '' the info on my file. I then reached out to XXXX to initiate a dispute to the bankruptcies reporting to my consumer file. After 90 days XXXX sent me a letter stating that the files would be deleted from my consumer report & that they would notify ALL credit bureaus that the accounts would be deleted ( see attached ). On XX/XX/2019 XXXX removed bankruptcies from my credit file but have since placed the same accounts back on my credit report as of XX/XX/2019. All three bureaus have violated the FCRA rule by reporting and " VERIFYING '' information from 3rd party vendors and not directly from the reporting vendor/source. Nevertheless according to the attached letter from XXXX the information has been " DELETED '' from their file and should be deleted from XXXX, Transunion, XXXX. To date this information still remain ....
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX, Experian, and XXXX. Please delete the following accounts. XXXX XXXX XXXX bal. {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE RECENTLY CHECKED MY CREDIT PROFILE AND NOTICED THAT SOME OLD UNVERIFIABLE ADDRESSES HAVE BEEN REINSURTED ON MY CREDIT REPORT WHICH IS HURTING ME BADLY BY CONSTANTLY REPORTING THIS. ITS BEEN 30 DAYS NO RESPONSE
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis I want to first or foremost warn you that myself and  XXXX are in legal Ligation aka lawsuit. You should not be interfering in any pending legal matters. Number one your violating a court order and legal matter! Number two your violating the FCRA for improper use of my credit report I have never asked you to  conduct any investigation on behalf of myself XXXX  XXXX or anyone I came to you directly and only you! I have reached out XXXX  XXXX and their attorney after receiving notice of a change to the XXXX credit report! Awaiting their response! Lexisnexis If their attorney or them come back and make one mention of your name making any changes to the credit report I will be left with no choice but to bring legal action against you! This is unlawful and very unprofessional on your behalf! I have attached proof via the CFPB that you were the only one who did this and I demand you to remove the information from XXXX until after trial! Would be the right and best thing that you could do! Or face the serious consequences! I have also attached the letter that you sent via US mail stating that you contacted XXXX and this information will be used against you! I will always notify the courts and my attorney letting them know that a 3rd party vendor lexisnexis has interfered in a pending legal court Proceedings!
Product: Credit card or prepaid card

{$1500.00} was taken off my cash app card and the person was claiming to be an associate with cash app and they were going through the process of enabling my card that they temporarily disabled and suddenly the person I was communicating with disappeared along with my money
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX until XX/XX/XXXX I am missing {$140.00} worth of refunds refunded back to my bank account thru cash app. Ive called on several occasions to get transaction id numbers ( not indentifier id ) but my request has been ignored or denied by the cash app customer service agents every time. In a month i noticed cash app did not send {$140.00} worth of refunds back to my bank account. I can only image how many refunds they kept that i didnt noticed that past 4 years ive been using cash app. I even asked cash app how i can and to who i send copies of my bank statements but that request was also ignored or denied.
Product: Mortgage

The mortgage payments were paid ahead of time with Carrington Mortgage however there is a discrepancy with the account. There is an issue with the payment portal and the way it is being applied with Carrington Mortgage and I was charged late fees. For example, when I asked about history Carrington Mortgage told me " Close of escrow date XX/XX/XXXX. First payment due, XX/XX/XXXX, and the payment was received XX/XX/XXXX. '' which does not make sense. In the past, I had to file complaints regarding escrow and insurance payment discrepancies as well. The principal balance is not accurate and I am concerned the wrong history is being reported to the credit reporting agencies.
Product: Debt collection

My copay ( $ 50- {$60.00} ) is paid prior to seeing a physician. I paid the required copay at XXXX. A collections agency is reporting that no co pay was paid. These two accounts are reporting adversely on XXXX and XXXX Reports. XXXX does not report at all. I spoke with two reps with XXXX ( XXXX and XXXX ), and advised them that I have received a " PrintScreen '' proof of payment from XXXX and a copy of my bank statement. They refuse to receive fax and stated will not remove incorrect information from reports.
Product: Payday loan, title loan, or personal loan

I have had this loan for almost 3 yrs. I am about 3 months from paying it off. My payment due date is XXXX of each month with a 15 day grace period ( XXXX of following month ). I have always took advantage of the grace period paying between XXXX or XXXX of each month. I went to pay online yesterday, to pay for XX/XX/XXXX due date and they had my account locked so I could be not pay online or via automated system to force me to speak to their loan officers. I remind you, technically, Im not late until after the XXXX. They call me constantly harassing me as if I'm in default when I'm not. I have paid every month on time. They have no business altering my account to prevent me from paying online. Again, after paying this way and date for almost 3 yrs, now they are trying to interfere with me from paying this way.
Product: Credit reporting or other personal consumer reports

Equifax is reporting an account incorrectly. The account in question is XXXX XXXX and the acct # is not even listed. I would like to know how Equifax is verifying this information when they are the only credit bureau verifying it. What information do they have that XXXX and XXXX do not have. It is evident they have no evidence and reporting this account just for profits. Under FCRA you must validated and verify any information being reported. Equifax has not done so.
Product: Checking or savings account

Work for the state would high dollar checks in the XXXXXXXX. They would hold it for 5 days. Even with a verification from the state controller office of California. This was from XXXX thru XXXX. 

Also during this time my laptop was stolen. Whoever stole it made charges on my account. They gave me the provisional credit. Then their response was it came from my ip address from my computer. So I was completely liable!

I even discussed it with the bank manager off of XXXX in XXXX. I was told in person there was absolutely there was nothing they could do..