23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a government-backed FHA loan and believe that I have been unlawfully denied a XXXX Forbearance and/or Modification from my loan servicer, Lakeview Loan Servicing , LLC XXXX XXXX XXXX XXXX XXXX 

I have serious fraud concerns regarding my mortgage servicer, Lakeview Loan Servicing , LLC., and how they have continued to bill me for past due late charges and additional unpaid fees in the amount of {$3800.00}, while the Homeowners Assistance Fund Program have been negotiating with their Loss Mitigation Department XXXX determining the amount of XXXX XXXX XXXX funds needed to satisfy my mortgage arrears and late fees. I feel these additional charges and fees in the amount of {$3800.00} are bogus and inaccurate. After contacting my mortgage servicer and the XXXX XXXX customer service department, I was assured that I would not be responsible for any accrued late fees or charges while my application was in the active process status. Lakeview Loan Servicing , LLC has currently billed me each month for additional accrued late fees and other unknown charges, while the XXXX XXXX was actively processing my application. All arrears, unknown alleged charges, and fees have been satisfied through the XXXX XXXX XXXX. 

I spoke with XXXX from Lakeview Loan Servicing , LLC on or about XX/XX/2022, regarding my concerns with the inconsistent fee overages added to my mortgage. She indicated that there was a possibility that the fees could be corporate fees, which implied that I, as the homeowner was not made aware are of such a fee. She informed me that she would fact check and research the matter and contact me back in a timely fashion. To date, I have not heard from her or anyone from the mortgage servicer. 

Summary XXXX XXXX Award Assistance : XXXX ). I initially applied and was approved for the Homeowners Assistance Funding Program on or about XX/XX/2022, to assist me with mortgage arrears where XXXX caused my financial hardship. I received an Award Summary amount of {$31000.00} from the XXXX XXXX program, which was the amount agreed upon to bring my mortgage arrears, late fees, and other charges current. 

XXXX ). I requested and received an additional 6 months of mortgage assistance from the XXXX XXXX program on or around XXXX of XXXX, because of my ongoing XXXX financial burdens and was approved for an Award amount of {$5300.00}. This funding was received by Lakeview Loan Servicing , LLC on XX/XX/2022, which should have satisfied any outstanding arrears, and current monthly mortgage payments. 

I am requesting that this matter regarding Lakeview Loan Servicing LLCs shady business practices, be thoroughly investigated by your office. I feel they have certainly taken advantage of the XXXX XXXX XXXX program, which has greatly aided me during these financially burdensome times.
Product: Mortgage

I applied originally for refinance in XXXX and was told the credit requirements. Weeks later credit requirements changed and I was postponed and recommended I pay a couple of items off. After jumping through all the hoops to get my credit to where they needed it to be in XXXX, I was told I would have a closing disclosure by XX/XX/XXXX. I cant recall what delayed the closing that time, but in XXXX I completed a XXXX withdrawal to pay off a debt at their recommendation. They recorded it incorrectly so I had to ask a family member to borrow {$2500.00} mid XXXX so it would look like the XXXX money was in my savings because they incorrectly recorded it that way instead of being used to payoff debt. I was assured this would allow me to close, this time no later than mid XXXX. They decided to switch me from conventional to FHA a few times, and I wasnt really given a good reason other than this would be a better deal for me and I was told most recently we would definitely close in XXXX. Local office staff members XXXX and XXXX admitted these mistakes in late XXXX and have apologized, assuring me they would be in a position by XXXX to request my loan be rushed to close in XXXX and could be closed by XX/XX/XXXX if approved. They offered me the end of last week around {$2000.00} as pain and suffering ( their offer, their words, not mine ) per XXXX XXXX regional manager and but that the rush was denied and it would now be XXXX before we could close. I asked to speak with XXXX XXXX for an explanation of why we can not expedite the loan closing at this point. Today, XX/XX/XXXX, XXXX XXXX was very condescending and disrespectful blaming my credit for the delays on closing and again offering almost {$2000.00} to make it right as an olive branch but he called me rude and angry, neither of which are true. After almost an hour and him apologizing for his initial tone with me, I agreed to the terms of closing the loan in XXXX and accepting the money offered to make the mistakes right. When I asked for this in writing because in the past few months so many promises had been made only to be broken and have people deny they made them to begin with, he agreed then said instead he was going to transfer my mortgage and not providing the payment offered previously. I expressed a desire to keep our arrangements to avoid the need of starting over completely once again and he refused. I asked if I could speak with his superior or CEO he refused and hung up on me. I am now forced to start the entire process over from the start after waiting almost 6 months to refinance with them. I am a widowed woman with children, working in XXXXealthcare during a worldwide pandemic and this entire process has put undue financial burden and added stress on me. If they did not wish to work with me due to my unattractive credit which was what XXXX blamed for the delays, they should have admitted that and referred me to a lender who could and would help me.
Product: Credit reporting or other personal consumer reports

I have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ). They have not yet provided me with anything I have asked for.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


I looked at my TransUnion Equifax Experian credit report on 02/14/2025, and noticed 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: 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. 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, deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant financial loss, Issues with my current Bank ( chase ) and Major inconveniences. I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, ny, XXXX XX/XX/year> I recently received a copy of my Experian, XXXX and XXXX credit report and I noticed some late payments posted on my credit report Credit Acceptance account XXXX XXXXXXXX, I have attached a copy of my credit report with the proof of the late payments Your company is in clear violation of the law. Under 15 USC sub section 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 usc sub section 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above account from my consumer report, this agency is in violation of 15 usc sub section 1681.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX i check my credit report and look some information about the recent mayor date breach, I have been a victim of a recent data breach, and I believe that this incident has compromised my personal information. I am concerned about fraudulent accounts and activities that may have been established in my name due to this breach. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I filed a complaint, XXXX, about XXXX Bank XXXX XXXX of XXXX about the mistakes their branch representative made regarding our credit card consolidation wherein we had XXXX late payments tacked onto our credit report for doing what the representative told us to do. In XXXX of XXXX, we received notification from XXXX XXXX in XXXX Client Relations of XXXX that they would be removing the XX/XX/XXXX late payment off of my and my wife 's credit report but not the XX/XX/XXXX late payment : XXXX Reference # XXXX. I contacted XXXX Customer Service in XX/XX/XXXX to inquire as to why our credit reports had not shown the adjustment. XXXX representative XXXX XXXX advised she would look into it. XXXX XXXX contacted me back and apologized advising that their credit bureau XXXX would send a letter to the credit bureaus to have the late payment removed. Here it is XXXX XXXX going into XXXX and the credit reports have not shown the reflection for our credit reports. I am so sick of this mess with XXXX. I want the adjustment made to our credit reports for XX/XX/XXXX ; really should be for XX/XX/XXXX because they are admitting to the misrepresentation by the branch representative and removing one ( whacked thinking ) but we'll take what we can get at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are failing to remove the security freeze from my credit report as well as the fraud alert from my credit report. I have requested to ask them to remove the fraud alert but, they refuse to do so, and or delay the process longer than what is needed. I asked Experian, XXXX, and XXXX several times to remove to fraud alert and they refuse to do so via phone after I have verified my identity several times as required. Please refer to the documents attached social security number and government-issued ID with this report to prove my identity.
Product: Debt collection

Dear Sir/Madam, Subject : Formal Complaint Against XXXXXXXX XXXX and Midland Credit Management and Request for Investigation and Compensation I am writing to formally request an investigation into the practices of XXXXXXXX XXXX and Midland Credit Management ( MCM ) regarding the improper handling and sale of my private medical information. 

Background In XX/XX/year>, XXXXXXXX XXXX  charged off a debt related to a XXXX account. I was informed that I could settle this debt for {$900.00}, and I paid {$880.00} over the years. However, MCM is now requesting a balance of {$4300.00}, which I believe is incorrect. Despite my attempts to have this debt validated, MCM has failed to provide proper documentation. Instead, I was simply told over the phone that the debt was valid and authorized by XXXXXXXX XXXX XXXX. Following this, I made an agreement to settle the debt and paid {$880.00}. Since 2018, I have been harassed with letters and phone calls from MCM, causing significant financial and emotional distress, especially during the pandemic. 

Violations by XXXX XXXX Violations of the Health Insurance Portability and Accountability Act ( HIPAA ) XXXXXXXX XXXX disclosed my private medical information to MCM without my consent, which is a violation of HIPAA.

Violations of the Gramm-Leach-Bliley Act ( GLBA ) XXXX XXXX did not provide clear and conspicuous privacy notices or an opt-out opportunity before sharing my personal information with MCM, violating the GLBA.

Violations by Midland Credit Management Violations of the Fair Debt Collection Practices Act ( FDCPA ) Section 805 ( Communication in Connection with Debt Collection ) [ 15 U.S.C. 1692c ] : MCM has repeatedly mailed letters and made phone calls to me at inappropriate times, causing harassment.

Section 806 ( Harassment or Abuse ) [ 15 U.S.C. 1692d ] : The persistent and aggressive attempts to collect this debt have caused me significant distress.

Section 807 ( False or Misleading Representations ) [ 15 U.S.C. 1692e ] : MCM has not provided clear or truthful information about the validity of the debt.

Section 809 ( Validation of Debts ) [ 15 U.S.C. 1692g ] : MCM failed to provide proper validation despite my requests.

Supporting Legal Precedents and XXXX XXXX v. Midland Credit Management , Inc. : This case highlighted the necessity for MCM to provide clear documentation of the debts validity. Failure to do so can result in legal action against them. 
XXXX XXXX Midland Credit Management , Inc. : Demonstrated the importance of proper debt validation and adherence to FDCPA requirements. MCMs failure in this regard has been successfully challenged in court. 
CFPB Settlement with Midland : In a significant action, the CFPB settled with MCM, requiring them to pay consumer redress and a substantial penalty due to their deceptive practices, lack of proper documentation, and attempts to collect time-barred debts.
Product: Credit card or prepaid card

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes XXXX ( XXXX ) ( h ). 
If you, Apple XXXX adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to XXXX ( XXXX ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, Apple XXXX, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card, who I have a credit card account open with, reported 2 months late payment to my credit bureau Experian. But I never knew I had a balance and I never received any bills. I called customer support and they could not provide me with details as to why they failed to mail the bill to correct address.
Product: Money transfer, virtual currency, or money service

Someone made a accout with my information and had money money tranfer to a America express bank and i was not get loads of money deposited but i reported but still never seen my XXXX from there.it been 10 days I need my money tranferred out that account to my unemployment XXXX card.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT I C SYSTEM To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 
What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 
Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XX/XX/XXXX.. 
Copy of the credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I filed a report with the XXXX  about the charges on my account for XXXX XXXX ( XXXX XXXX ) and the fake bond their employe created. It shows me signing a lease by electronic signature not ink. I was out of town, and I have the emails that I never signed the lease. I had a credit score in the XXXX and making over XXXX a month, I didn't need a cosigner nor a bond it was just to resign the lease they also filed the bond on the allegations that the apartment was destroyed, I see the one company has been moved the fee of XXXX I can provide a letter from their employee that signed my original lease that the apartment wasn't new nor where any of the fixtures. And a video from the private cleaning company that the apartment was clean and that nothing was destroyed I lived at XXXX XXXX XXXX XXXX not the other address that they showed in the pictures or the fake letter they sent to XXXX  that they wasn't allowing me to stay I just received this from the XXXX  they received a notice I can also attach how they try to destroy my rental history by saying i paid late and they tried to raise my rent {$900.00} in XX/XX/year> and she created the lease and I was out of town yet I was caught back up XXXX. These people at XXXX XXXX XXXX XXXX and XXXX XXXX have used my personal information to create a fake bond I have the email they sent to XXXX  for the lease XXXX name is on it and for the negative remarks which could have prevented me in finding a place they were not able to do that so they messed up my credit with fake charges, and withholding my mail after I moved out and keep stopping the mail from forwarding that went on for 4 months I have proof of this from the XXXX. I need this account with National Credit Systems for {$1000.00} for a bond that I destroyed their apartment I have a video that shows otherwise time stated and I had XXXX of insurance on the property I have proof of that as well and they never made a claim so it doesn't make since. This was added to my credit to defame me, I paid my rent on time and never made them wait I have proof of that as well from bank statements I need these fake allegations and charges removed from XXXX XXXX XXXX XXXX ( XXXX XXXX ). And NATIONAL CREDIT SYSTEMS removed asap. 


( LINK OF THE VIDEO OF THE APARTMENT SO ANYONE CAN VIEW IT WITH THIS LINK ) IT SHOWS NO DAMAGES https : XXXXXXXX XXXX