23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Our home mortgage loan is with Lakeview Loan Servicing , LLC. A security incident involving unauthorized access to their file servers occurred in early XXXX of XXXX. As a result, a list of individuals ', including myself and my husband 's, information ( including our social security numbers ) were accessed. Due to the breech in security, Lakeview Loan Servcicing has offered a year 's membership to XXXX, a third party monitoring company, to provide security protection and monitoring services to us. 

I went onto XXXX 's website and began to fill out the information required for membership. One of the first questions asked for our social security numbers. I felt extremely uncomfortable giving this information to a company that I know nothing about and is not even listed among the top ten security protection and monitoring companies. 

We believe XXXX should pay for a security fraud protection company of OUR CHOOSING. When I tried to contact Lakeview Loan Servicing, at ( XXXX ) XXXX, I left a message for the Senior Vice President and Chief Compliance Officer, noted at the bottom of the correspondence, notifying us of the breach in security. I never received a call back. Today, I tried calling again. The gentleman who answered the phone had such a heavy accent that what he said was mostly indecipherable. In the end, I was refused the request to speak with XXXX XXXX, XXXX, Chief Compliance Officer and told to call " another day. '' So, it appears that we are left with our personal, pertinent information, floating around out there ; We have no recourse and can not reach the loan servicing company for comment, help or questions. 

Can you please help me!
Product: Debt collection

Company seized the property without written notification. Did present an ability to dispute the repossession. Was not the original creditor said property.
Product: Debt collection

I show a collection account in the amount of {$540.00} from a creditor named XXXX XXXX. I never opened an account with this creditor. I filed a dispute with all three credit bureaus. The current contact on my credit report is TRANSWORLD SYSTEM XXXXXXXX XXXX XXXX XXXX  XXXX PA XXXX at ( XXXX ) XXXX. You call the number and it goes to voicemail.
Product: Debt collection

On XX/XX/XXXX, my neighbor was walking her dog by my house and she said she heard this guy was trying to serve me and she saw him taking pictures. I said let me do some research because I dont owe any pass debts. I said let me check my credit report and I see Midland Funding filed a case on my credit report on XX/XX/XXXX. So that means they had 3 years to sue me for a debt outside the statue of limitations. Maryland said you have a period of three years after the act which caused you the harm to file a civil lawsuit. Its XX/XX/XXXX so thats almost 4 years. My neighbor then said XXXX look like they try to take you to court on XX/XX/XXXX for a civil case in Maryland District Court. Not sure how she knew that but If that is true once again Midland violated the Statue of limitation because it now 3 years and 3 months since that last activity. No Im being harass outside the statue of limitations for a debt that I do net owe to Midland Funding. I never got any credit from them. Im not paying anybody outside the statue of limitation but I like to see the original documents where I owe them. If they have no proof of the original documents, therefore I dont owe them anything and they need to stop harassing me.
Product: Debt collection

I, XXXX XXXX, consumer, have come to the understanding that ARS Accounting Resolution Services is in violation of my rights to privacy. ( see attachments )
Product: Debt collection

I have notified Optimum Outcomes that I was a victim of Identity Theft and I provided Optimum Outcomes with a Identity Theft Affidavit. To date, Optimum Outcomes has failed to remove this account from my credit file. So, I am in need of your assistance in getting this account removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported as a new charge-off account every month. This is inaccurate account.
Product: Credit card

I have a credit card through Wells Fargo for XXXX Flooring. I made a promotional purchase for slightly over {$3000.00} with a 12 month no interest promotion. In XXXX 2016, I owed {$130.00} for that promotional purpose. That promotional balance is due by XXXX XXXX, 2016. On XXXX XXXX, 2016, I made a separate {$2000.00} promotional purchase under a 12 month no interest promotion.. I made a {$130.00} payment on XXXX XXXX, 2016 which would have paid the initial promotional balance in full. Wells Fargo has applied over {$120.00} of that payment to the later {$2000.00} promotional purchase and is now demanding an additional {$120.00} payment by XXXX XXXX, 2016 to avoid being charged interest for the entire initial promotional balance. Is there any legal recourse against this flawed allocation of payment to a later promotional balance which will force me to make an additional {$120.00} payment above my {$130.00} payment?
Product: Debt collection

In accordance to the fair credit reporting act, XXXX XXXX XXXX ( account 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 : states a consumer reporting agency can not furnish an account without my written instructions. 
My Experian account decreased XXXX points in relation to this collection report. I have never received written notice from XXXX XXXX XXXX or any other communications stating that I owe them a debt. This cheated me of the opportunity to address the matter before it adversely affected my credit score.
Product: Credit reporting or other personal consumer reports

Hello, I hope this letter finds you well. 

In accordance with the Fair Credit Reporting act, this creditor has violated my rights.

Under 15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 section 604 A states : that a consumer reporting agency can not furnish an account without my written instructions.

15 USCS 1666B states : a credit may not a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

WHY MY 12-DIGIT HOME LOAN NUMBER WERE CANCELLED OUT AND IMPROPERLY DIGITALIZED FROM XXXX TO XXXX THEN TO XXXX JUST DOING A REFINANCE THEN TO A LOAN NUMBER XXXX AS A CONVENTIONAL LOAN? VA LOAN GIVEN BY THE VA HAS UNIQUE LOAN NUMBERS FOR PROCESSING LOANS TO LENDERS. LETTING THEM KNOW THAT IT`S A SPECIAL LOAN FOR STANDALONE PROCESSING. LIKE GIVING A SECRET CLEARANCE TO A PERSON IN THE GOVERNMENT. AND THAT NUMBER STAYS WITH THAT INDIVIDUAL FOR LIFE AND CAN NOT BE TAKEN AWAY. MY VETERAN PREFERENCE IS FOR ME TO HAVE THIS BENEFIT. AND YOU AS A LENDER JUST TOOK THAT AWAY FROM ME CAUSE I WANT A HOME FOR MY FAMILY.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # 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 B States a consumer reporting agency can not furnish and account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am filing a com

plaint 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 inconvenie
nce and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Hello USBank, Today, I'm submitting a complaint to the CFPB Portal to dispute many charges and request a new debit card. Most of these are charges I did not do. Current negative balance is $ XXXX, including overdraft fee ( s ). I've attached my ID, SSN Card, and proof of address. This is going to negatively affect my credit report if my account defaults, and I can't afford that. 

I would like these disputed, and a provisional credit rushed INCLUDING THE OVERDRAFT FEES REVERSED. 

Charge ( s ) w/ Dates Being Disputed : XX/XX/XXXX Overdraft Paid Fee {$36.00} times 4. 
XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Returned Fee {$36.00} times 2 XX/XX/XXXX Debit Purchase Ret - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX Tn {$400.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Overdraft Paid Fee {$36.00} XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - XXXX XX/XX/XXXX card XXXX XXXX Wa ( XXXX ) XX/XX/XXXX Debit Purchase - Visa XX/XX/XXXX card XXXX XXXX XXXX XXXX XXXX XXXX Ga ( {$19.00} ) XX/XX/XXXX International Processing Fee XX/XX/XXXX card XXXX ( {$0.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX ( {$2.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX XXXX XXXX ( {$150.00} ) XX/XX/XXXX Debit Purchase -visa XX/XX/XXXX card XXXX XXXX ( XXXX ) Total Disputed Charges w/ Fees : {$940.00}
Product: Debt collection

Conn 's appliance Inc. I open account in XXXX mother got sick so had to stop working to take care of her. She passed away XX/XX/XXXX. In XXXX Conn 's appliance filed in XXXX XXXX XXXX I receive a summons to appear which I did, and Conn 's never came to Court. This account is over 7 years old, and they keep changing the date that the account was open. This charge off for {$3300.00} have been on my credit for 9 years. I have contacted Conn 's several times but was transferred around and never got to talk to anyone.

XXXX  credit to have this removed but they say
it's has not been 7 years. Conn 's keep changing the dates so that the credit bureaus will keep it on my credit file. 

Thank You XXXX XXXX XXXX
Product: Mortgage

I am a service member in the XXXX XXXX on XXXX XXXX and I am writing this letter to explain in detail the history and circumstances leading to the current default on my mortgage. According to the last statement I received from you, I currently owe {$71000.00} and my Escrow Balance is $ -XXXX. 

In XX/XX/XXXX, I had a XXXX XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX, CA which reduced our income by {$1500.00} per month while still under XXXX  XXXX XXXX as our Mortgage lender. In XX/XX/XXXX, my mortgage was transferred XXXX XXXX and by that time, my family was struggling to make mortgage payments. Around the same time, a significant change in property taxes increased the monthly payment by approximately {$300.00} per month. The change was due to registration of STAR program which was not processed properly by the municipality. Ultimately this was corrected but not before adding to the financial burden my family was already experiencing. 
We continued to make partial payments while attempting to keep our default to no less than three months while exhausting most of our savings in the process. In XX/XX/XXXX, we were instructed XXXX to request for loan modification and to stop making payments until that process was finalized. We were then approved for a loan modification about three months later. Our trial payments were for three installments of {$2300.00} due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did not accept the final payment because it was not made on time and returned those funds to us. That put us right back to square and owing far more than 180 days in mortgage payments. We have not made a payments since. 

We made four attempts at Loan Modifications in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XXXX XX/XX/XXXX in an effort to bring the account current. All of these were submitted and denied by XXXX 30 days after they were submitted. Each time, XXXX concluded that they were unable to reduce the mortgage amount and that I did not qualify for any of the modification options available. 

I am asking for an opportunity to make things right and restore my mortgage account back to current status and to remove this financial and emotional burden on my family. I am hoping that you can provide some options that will help me accomplish this.
Product: Debt collection

Pro collect debt collector keep calling me from multiple numbers about a debt collection that I see on my credit report from fall and XXXX XXXX XXXX  for the amount out {$1700.00}. I have no knowledge of this collection and I would like for them to prove a contract to me if not I would like for this debt to be removed and for them to stop calling me immediately. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This creditor XXXX XXXXXXXX XXXX is still violating my rights to privacy of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a consumer reporting agency can not furnish a account without my written consent, I do not owe XXXX XXXXXXXX XXXX ANY Money and I demand that they provide actual validation with my WRITTEN CONSENT STATING I OWE THEM AND THST I GAVE THEM PERMISSION TO VIOLATE MY RIGHTS TO PRIVACY I also demand a copy of the contract binding both parties ( XXXX XXXX XXXX & the company they are representing ) In a letter by certified mail so that their is a independent witness to it having been delivered, I also demand a response from XXXX XXXX XXXX  within 5 days as listed in the terms of the the consumer book! kind regards!
Product: Vehicle loan or lease

Gm financial is who are loan is with we joined the  XXXX  and sent in are paperwork for the service member civil relief act and they dont want to honor this act
Product: Debt collection

All your attempts to collect a debt that is not yours have been removed from My credit which you unlawfully obtained. Please refrain from contacting me as your in violation of credit act neither bi phone or bi mail as I do not owe you any money or intend to pay you any money.. not to mention allegations of your debt is beyond statue of limitations. Any further communication will be considered harrasment as I am making a comeplaint telling you to stop contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe that the creditor that has a negative collection on every one of  my credit bureaus has a misunderstanding as to the responsible party to the account. My husband XXXX passed away a few years ago, and the account belonged to him as the responsible party. Therefore, I respectfully request the credit bureaus to intervene and see that XXXX XXXX applies my rights under the Fair Credit Reporting Act and delete the account on every credit bureau respectfully.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to speak to a Transunion customer service rep and they would not help and take care of the negative inquiries reporting to my credit report. The inquires are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I closed my checking and saving account with Citibank. They promised me the check for the remaining balance of my account will be sent to me in 15 business day. However, I haven't received the check for more than 1 month.
Product: Credit reporting or other personal consumer reports

I am formally disputing the validity of the student loan debts associated with my name. Due to recent events involving unauthorized access to student loan data, I have reason to believe that my personal and financial information has been compromised. As a result, I am requesting the immediate discharge of these loans and the removal of any related negative information from my credit report. 

The unauthorized access constitutes multiple violations of federal law, including but not limited to : Title IV of the Higher Education Act ( HEA ) Institutions and loan servicers managing federal student aid are legally required to safeguard borrowers financial data. A failure to secure this information constitutes noncompliance, rendering these loans unenforceable. 

The Family Educational Rights and Privacy Act ( FERPA ) My student records, including financial aid information, are federally protected from unauthorized disclosure. This breach violates my rights under FERPA.

The Privacy Act of 1974 Federal agencies and affiliated institutions must protect individuals ' records from unauthorized access and misuse.

The Gramm-Leach-Bliley Act ( GLBA ) Financial institutions, including student loan servicers, must maintain strict data security protocols. Any breach suggests noncompliance with federal regulations.

The Fair Credit Reporting Act ( FCRA ) If my student loan data has been accessed, altered, or misused, any inaccurate reporting must be corrected, including the immediate removal of these debts from my credit report. 

Due to these federal violations, I demand an immediate discharge of all affected student loans. Given that my information was improperly accessed, these debts should be considered invalid and unenforceable. The failure to uphold federal data protection laws has compromised the integrity of my loan records. 

If you deny this request, I demand a detailed legal justification explaining why the breach of my personal and financial data does not warrant full loan cancellation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are legally required to investigate this dispute within 30 days. If these debts can not be verified as valid, compliant with Title IV, and unaffected by unauthorized access, they must be removed from my credit report.

Please consider this letter my formal dispute and request for immediate loan discharge. I expect a response within the legally required timeframe. If you require further information to process my request, please contact me immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$690.00} XXXX  Account # : Balance : {$2200.00} XXXX - XXXX Account # : XXXX Balance : {$3600.00} XXXX XXXX XXXX Account # : XXXX Balance : {$18000.00} As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 XXXXXXXX, XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

This company is attempting to collect additional charges for services not rendered. This policy was canceled in XX/XX/2023. The final payment was made in XXXX of 2023. The company generated a new charge and billed for XX/XX/2023, at which time I did not have an account or billable services. I have attached supporting documents and would like this account removed from all credit agency reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a medical collection that is being reported illegally on my credit report. This is violating my privacy and HIPAA law. I would like for this account to be removed from my credit profile within XXXX ( XXXX ) days from today or you are opening yourself up for litigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Opened on XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

RE : BMO checking account ending in XXXX I opened a checking account with BMO Bank online after receiving a promotional offer. The offer states a {$400.00} bonus for completing direct deposit within XXXX  days. My direct deposit was dividend/interest payment from a US Treasury Govt Bill which is considered a government benefit payment. However, no bonus has been deposited till today 's date. I've contacted BMO customer service regarding the concern and was told the direct deposit doesn't qualify. How does a government benefit not qualify when it states that exactly in BMO 's terms and conditions for the promotion ( attached ). I would like BMO to honor the promotion as stated. I've attached screenshots showing the US Treasury Bill as well as dividend payment received that was sent to my BMO checking account. If this isn't handled appropriately, I will be pursuing this further with the XXXX XXXX XXXX as well as the Consumer Protection Office of the Attorney General to file a grievance with them to investigate further. XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/XXXX American Express sent me an email saying theyre going to lower my credit limit if I dont pay XXXX to them within 3 days. Saturday XX/XX/XXXX I called and paid XXXX as I had just paid XXXX on the XXXX. I was reassured multiple times my account will remain with the current credit limit And they will not lower my limit. On XX/XX/XXXX I received an email stated they lowered my Limit after insisting they wouldnt. I called that day and they said theyd investigate as it was an error on their part and call me back in 24-72 hours. Today I called and theyre saying Monday or Tuesday next week. This affects my credit rating and theyve caused me major issues as paying almost XXXX to them all at once as well was difficult.