23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

years ago i opened a loan with Lendmark. Prior to 2015 the account was charged off and placed with XXXX XXXX XXXX. I have called and documented at least 4 calls between this office and myself offering to settle the matter. I was told on multiple occasions to call back. I recently received some type of asset verification letter which i found to be offensive considering ive been trying to reach them to pay. Ive even called lendmark directly to try to resolve this issue. The attorney is non responsive and does not assist in the collection of debt.
Product: Mortgage

I XXXX XXXX request that my current mortgage servicer applies their option to the Federal Housing Finance Agency for a serious reduction in principal against my home located at XXXX XXXX XXXX, XXXX, New York XXXX. I am attaching several correspondences that apply to the foreclosure crisis in America, and believe that my request for intervention by the FHFA is necessary to settle my foreclosure matter at this time. The FHFA is not only designated to help those with mortgages eventually sold to XXXX or XXXX XXXX, but also as a trustee to all mortgages connected to any designated home loan bank. XXXX happens to be one of those banks. I respectfully request intervention into my case as a matter of principal. I realize that the current Attorney General of my state is pushing for the FHFA to live up to its designated requirements. There are well over XXXX active foreclosures in New York State alone. In any event, I respectfully request the Consumer Financial Protection Bureau to prepare my file for potential federal agency intervention to mitigate damagers to the legal process that can go on for years. I believe that after every federal and state agency has the opportunity to place their input, including my Congressman in my jurisdiction, then there is a greater probability of a settled resolution.
Product: Student loan

First, MOHELA sent a document on XX/XX/year> stating that interest is and will be accruing during my forbearance associated with the SAVE plan litigation, even though this period is not supposed to accrue interest. Based on research online they have been doing this to thousands of other borrowers.

Second, I asked for a copy of the MPN for my consolidation loan, and specifically told them I could not find it on StudentAid.gov and they instead just responded back on XX/XX/year> telling me to check on StudentAid.gov. I have copies of the individual MPNs, but not the one for the consolidation loan.
Product: Debt collection

I receive a debt collection letter from Harris & Harris , LTD claiming that I owe {$1000.00} to XXXX. However, they added an additional fee of {$23.00} to the total amount owed.
Product: Debt collection

I Disputed the accuracy of this account with credit bureaus multiple times to no help this account was placed in collections on XX/XX/XXXX it has been well past 7yrs account should have been removed from credit report account was updated in XXXX to reage the account which agency is illegal also reported a payment was made in XXXX of XXXX payment was never made please delete from credit report by default to accurately report item.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice i claim harm by way of trespass, FRAUD and Dishonor. 

Notice to XXXX XXXX and XXXX XXXX Ref : Account # XXXX We are all equal any wrong doing will result in a claim by way of trespass, FRAUD, extortion, Dishonor and Breach of Privacy rights. 

These are my rights i am a woman i know my rights my rights are if you do any wrong, if you trespass by way of extortion in any way, if you harm i or the property of i, if you do any unlawful harm to property or any undue exercise of power, if you did that i will hold you accountable because i know my rights and i know how to express my rights and my law and i will file a claim on you and i will press my claim in federal court. 

As stated in multiple correspondence requesting the original instrument of indebtedness in its original form and XXXX XXXX and XXXX XXXX failure to comply under law will result in a FRAUD and unlawful. Any willful negligence or wrong doing XXXX XXXX and XXXX XXXX have committed will be held liable. i have the right by law to ask for original documentation regarding my property with both parties signature on any document any failure to present original instrument of indebtedness in its original form will be held liable for FRAUD and dishonor, trespass, extortion, undue exercise of power will be liable under law. i a woman and i have rights and i know how to express rights and law. 

Notice to XXXX XXXX and XXXX XXXX for failure to comply with law. 

Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX Federal Violations See Exhibit XXXX i a woman is demanding my account be discharged, XXXX out my balance and remove this inaccurate, incomplete and Fraudulent information or account from my consumer file and consumer report. Any failure to comply with law all parties will be held liable.
Product: Credit reporting or other personal consumer reports

XXXX, has several names listed that are not me, will not remove them, also vehicles I have never owned and will not update info, they told me to delete it, so I did. Also I obtained a credit Card with XXXX XXXX thru XXXX XXXX XXXX, always made my payments on time, in XXXX I tried to login to my online account to make the payment, said my account didnt exist, I called XXXX XXXX XXXX XXXX they said they didnt know and they didnt handle it anymore, I called Rural King they said they dont know who to contact, they sold it to another company, never informed me of this until Late XXXX when I finally received a letter, I called and paid all past due and current balances, however they put against my credit, which was totally unfair, and now my XXXX card cancelled my XXXX, due to XXXXXXXX XXXX  putting against my credit, not fair to me at all, since I was never late on any of my payments, but tried to make the payment, but didnt know where or who to pay. I feel they ruined my credit and didnt bother to reach out to me, said they left several messages on my phone but I didnt get any messages, I did pay it once I received a letter from them, 3 months later. What a horrible way to do business, mostly due to XXXX XXXX switching companies without my knowledge. Please have them remove all negative activity on my account. 
Thank you
Product: Credit card or prepaid card

Apple Card ( by Goldman Sachs ) made my credit card unusable starting around 2 weeks ago. The current card number they gave me does not work for any purchases. It declines every time and says " Declined - Card Replaced '' as if the current card number is outdated/expired. I thought I could fix it by trying to request a new credit card number to replace the old, non-working one. But every time I try, it says " Account Action Not Permitted. '' This is abnormal as I was easily able to replace my card number in the past. I have called their supervisors at least 4 times now and they have been absolutely no help. They constantly give me the runaround. For example, they say they put in a " tech review ticket '' for me that will be resolved within 3 days and that I will be contacted. It has been way past that and I never got any updates, responses, or resolutions from them. I even tried calling them again after all this just for them to say to wait longer again. This is unfair as all I want to do is be able to use my credit card. I dropped my credit score to apply for this credit card so I can take advantage of its benefits. I am unable to do that if I can not use my Apple Card. Thank you.
Product: Credit card or prepaid card

I filed a billing dispute with JP Morgan Chase on a Visa for a charge for a hotel room in which bed bugs were discovered. JP Morgan Chase refused to file a charge back with Visa  even though I have supporting documentation about the bed bugs and a dispute right in accordance with Visa rules and regualtions.
Product: Debt collection

The company XXXX XXXX XXXX  contacted me regarding a debt I was not aware of. I advised the representative I need a validation of debt and wanted to debt the debt. The representative advised me I could not dispute the debt until after I received my validation of debt. I informed the representative this was not true and I had the right the dispute the debt as well as request a validation. The representative continue to argue with me and cut me off then eventually hung up the phone after asking for a manager. He advised me no manager was available and the call dropped. I called back to speak to manager XXXX XXXX, I asked him to listen the call since he seemed to not believe his representative told me false information. I asked him to listen to the call and call me back or I can call him back so we can resolve the situation. He told me it was none of my concern and refused to set a follow up to discuss the call. The manager told me he went ahead and put the account in dispute. I informed the manager if I didnt know my rights I wouldve thought the only way I can dispute the account is after I received my validation. He did not seem concerned about my situation. I asked him for information on upper management and Human Resources to submit a complaint, initially he refused but after pressing a while he eventually gave me a general number for the company. The representative also did not provide the mini-Miranda.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following companies have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX15USC 1681 section 602A states I have a right to privacy -15USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instruction and/or approval
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes on XXXX regarding my Wells Fargo Mortgage account showing a balance of {$220000.00} which was last reported XX/XX/XXXX, I have also contacted Wells Fargo and they confirmed my balance was XXXX ( house was sold XX/XX/XXXX ) XXXX keeps telling me that Wells Fargo is reporting and that it is correct, which in fact it is not, I have sent XXXX copies of my statement showing a XXXX balance as of XX/XX/XXXX and earlier yet no action is being taken to correct the balance. This has been going on for nearly XXXX years and the other XXXX reporting agencies ( XXXX and XXXX ) show it as XXXX paid in full. I don't understand why XXXX won't correct it.
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 Account number XXXX Account name XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX  XXXX XXXX Account XXXX XXXX Account name XXXX XXXX Account XXXX XXXX Account name XXXX Account number XXXX Account name XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account XXXX XXXX Account name XXXX Account number XXXX Account name XXXX XXXX  XXXX Account XXXX XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXXXXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX Account number XXXX 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 instruction 's 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

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this issue however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Equifax has admitted that my information was part of the data breach and I am a victim of this data breach. There are fraudulent transactions on my report and I am requesting immediate removal of these items as it is negatively effecting my credit worthiness. There are hard and soft inquiries on my report that were done without my permission or consent which is against the law. As well there is transactional history reporting that also violates XXXX law. There are accounts with entities I have no agreement with and erroneous I have asked that this information be corrected and nothing has been done.
Product: Debt collection

I have been writing Credit Solutions and demanding that they tell me why they are on my credit. After several attempts at contacting them, they have sent me nothing at all. They have however continued to verify the information to the credit bureaus. The FCRA says that I am entitled to the information that is being reported about me to the credit bureaus. I demand that they remove this account since they have not provided anything to me whatsoever! PLEASE HELP ME!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

Ive reported portfolio and associates
Product: Credit reporting

I can not get Equifax to remove my security freeze. I have tried online several times and mailed all documents to them via mail with not response. I have my pin and password but their online or processing center does not work. 

It took me under a minute to unfreeze my XXXX and XXXX XXXX credit. I XXXX Equifax security freeze lift and found many others having this same problem with them.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Bought an online course for {$3600.00} on XX/XX/XXXX, XXXX hours later I asked the merchant for a refund because the course was not what was promised prior to the sale. The course was completely different and incomplete. 
- I never signed a refund policy. 
- The merchant refused a refund on multiple occasions. 
- I filed a dispute with Capital One XX/XX/XXXX - Merchants faked documents, communication, and contracts the sent all this to the Capital dispute team. 

- Capital One asked for a response for me, and I provided what they asked : 1. My attempts to resolve an issue with the seller 2. Proof that I never signed the contract, 3. Proof communication was faked 4. Proof that I was never made aware of the refund policy before or after the sale.

5. Proof that the merchant canceled my purchase and revoked access to the product without giving me a refund. 

Capital one refused to protect me from fraud and ignored all the evidence that submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying or Equifax credit monitoring service and since XX/XX//2021 - I have been unable to pull and get a correct copy of my credit report online. When I pull a copy of my credit file - it comes up all XXXX XXXX  - stating that I have no mortgage, no revolving accounts, no personal information, summary is all zero 's, and no installment accounts. 
I have been talking with Equifax about this issue since XXXX/XXXX/2021 and they keep telling me there is a glitch in their system and they will escalate it and it should be fixed in 7 - 10 days. 
Also, when I call in to Equifax and I put in the requested information at each prompt - Then I am told they could not verify me and transferred me to a live person - who then re-verifies me and tells me about my Equifax credit report and then they will send me out a copy. 
XXXX XXXX also tried to pull up my Equifax credit report and it came up with no information - all zero 's Also, I had removed the freeze from my credit report and applied for credit and the creditor advised me that my Equifax credit report said I had no credit file, no credit score, limited credit experience and I was denied credit. 
As of today XXXX/XXXX/2021 - it still has not been fixed by Equifax and this concerns me because I have been the victim of identity thief earlier this year.
Product: Checking or savings account

WheredoIstart?! ForaboutfourdaysstraightIhave experiencedallsorts of negatives. 
BelowisthesituationsI haveexperienced : -Lockedoutofmybanking account'smobileappfor noapparentreason. 
-Lockedoutofmybank account'onlinewebsitefor noapparentreason. 
*Hadtoresubmitsecurity questionsalloveragain. 
-Blockingpurchasesfor suspiciousbehavior, with companiesIhavedone businesswithmanytimes, inthepast. 
-Outragiouslylongwait timestospeakwiththe FraudDepartmenttoget themtounblock purchases. 
-Atwo-waytextalerts featurethatallowsyouto approve ( override ) blocked purchases, whichdid n't work.Finally, afterspeakingtoseveralfrauddepartmentagents, wasfinallytoldthatthetwo-wayalerts wouldn't workproperlyuntil14days. 

Absolutehorriblecustomerserviceexperiences. 
Somethingneedstobe donetofixtheserepulsive customerserviceissues! 

Thanksforyourhelp. 
Takecare.
Product: Money transfer, virtual currency, or money service

l.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 I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

I am writing to formally request the method of reinvestigation that was used to verify the accuracy of the motor vehicle records associated with my name, XXXX XXXX XXXX, under the following case numbers : XXXX XXXX XXXX XXXX XXXX XXXX These records include traffic violations and auto accident reports originating from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 7 ), I have the legal right to request the method by which LexisNexis conducted its reinvestigation, and you are required to provide this information within 15 days. 
Request for Method of Reinvestigation In compliance with 15 U.S.C. 1681i ( a ) ( 7 ), I demand that LexisNexis provide : The name and contact information of the entity that provided the verification. 
A detailed explanation of the specific method LexisNexis used to verify the accuracy of the traffic violations and accident records. 
Copies of any documentation, correspondence, or records used in the reinvestigation process to confirm that these records are accurate and belong to me. 
If LexisNexis can not verify the information with proper documentation, then under FCRA 15 U.S.C. 1681i ( a ) ( 5 ), you are required to immediately remove these inaccurate violations and auto accident records from my motor vehicle report. 
Legal Consequences for Noncompliance Failure to respond within 15 days will result in LexisNexis being in violation of multiple sections of the FCRA, including : 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide the method of reinvestigation upon request.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy in reporting consumer information.

15 U.S.C. 1681n & 1681o Willful or negligent noncompliance with the FCRA, which subjects LexisNexis to civil liability for damages. 
Next Steps If LexisNexis Fails to Comply If LexisNexis does not provide the requested information within 15 days, I will take the following actions : File a complaint with the the Federal Trade Commission ( FTC ) for noncompliance with the FCRA. 
File a complaint with my states Attorney Generals office regarding LexisNexis failure to properly investigate disputes. 
Pursue legal action in federal court for failure to conduct a reasonable reinvestigation and failure to ensure maximum possible accuracy. 
Demand the immediate removal of the disputed traffic violations and auto accident records from my motor vehicle report. 
This letter serves as a formal demand for compliance with federal law. Please respond within 15 days from the date of receipt. If LexisNexis can not provide proper verification, these records must be expeditiously deleted from my report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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  XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX, XXXX.is fraudulent on my credit Account # XXXX