23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX along with XXXX and XXXX are attempting to collect on a debt/foreclose on subject property ( XXXX XXXX XXXX XXXX XXXX XXXX. The first problem, XXXX does not know, nor have they verified the current and rightful owners of the property. Therefore, they are foreclosing in the wrong Homeowners names, while failing to serve the rightful owners of the property, prior to advertising a foreclosure sale. XXXX, XXXX claims to work on behalf of The XXXX XXXX XXXX XXXX  XXXX ( the alleged creditor ). XXXX and XXXX claims to work as a Power of Attorney for The XXXX XXXX XXXX XXXX XXXX on behalf of XXXX. However, XXXX has claimed on several occasion that their firm does not own the property or the loan. Per the Supreme Court of Georgia, only the secured creditor can foreclose. The XXXX XXXX XXXX XXXX XXXXXXXX is not the secured creditor, nor have they invoked XXXX or XXXX and XXXX to collect a debt. We also had a Licensed XXXX XXXX XXXX cross reference our findings please see attached. XXXX has also instructed our homeowners ' insurance company to discontinue our decade plus old policy. Please see attached. XXXX and XXXX and XXXX are engaging in illegal and fraudulent activity that is causing irreparable harm. We the rightful owners of the subject property have retained legal counsel. XXXX, XXXX refuses to acknowledge or communicate with legal counsel, hired to amicably resolve all matters surrounding the account. XXXX, XXXX in connection with XXXX and XXXX are attempting to sell illegally converted stock instruments, represent entities that have no interest in the subject property, perform an illegal foreclosure, theft by taking personal property, false and misleading representation, ignore homeowners counsel while interfering with their constitutional rights through deception, theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX XXXX acquired alleged debt for a credit card opened in 2016 from XXXXXXXX XXXX. They then sued me through XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX. 

I contacted XXXXXXXX XXXX, both their collection department and fraud department who did not have any account history to tie back to my personal information including my Social Security Number. 

< Summary of CFPB Complaint - Unvalidated Debt Collection Attempt by XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX XXXX Summary : This summary serves as a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the improper debt collection practices of XXXX, Cavalry Debt Collection, and XXXX XXXX XXXX. The parties in question have made attempts to collect an unvalidated debt, which is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Act ( CFPA ). 

The aforementioned parties have engaged in the following unlawful practices : Attempts to Collect Unvalidated Debt : Despite the consumer 's repeated requests for validation of the alleged debt, XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX have failed to provide proper documentation to confirm its validity. 

Harassment and Unfair Practices : The consumer has been subjected to frequent and aggressive phone calls, as well as threatening and misleading correspondence, in an attempt to coerce payment for the unvalidated debt. 

Infringement of Consumer Rights : By pursuing the collection of unvalidated debt, the involved parties have violated the consumer 's rights under the FDCPA and the CFPA, which require debt collectors to validate debts upon request and abstain from unfair, deceptive, and abusive practices. 

As a result of these violations, the consumer has suffered emotional distress, financial harm, and damage to their credit score. The complainant requests the CFPB to investigate the matter and hold XXXX, Cavalry Debt Collection, and XXXX XXXXXXXX XXXX  accountable for their unlawful practices. Furthermore, the consumer seeks the cessation of all collection attempts, removal of any negative credit reporting related to the unvalidated debt, and financial compensation for damages incurred.
Product: Mortgage

Variable Rate Mortgage ( VRM ) interest rate is recalculated annually on XX/XX/XXXX each year. Specialized Loan Servicing, which was appointed by XXXX XXXX to do the loan servicing, fraudulently took the following actions : - Failed to release the new 2020 annual interest rate statement - Issued XXXX billing statement showing incorrect interest rate at 4.25 % ( was 5.25 % ) -Attached - Per the " 1 Year US Treasury Security Weekly Average '', the contract index, the one year average rate for XX/XX/2020 is " 0.17000 '' which is prescribed for the week of XX/XX/2020 - Attached -Annual Interest Rate is Contract margin rate of 2.75 % plus the Annual US Treasury annual weekly average for XX/XX/XXXX each year now at " 0.1700 '' = a new mortgage rate of 2.92 %. However, contract has a maximum plus or minus interest rate change maximum of 2 % of any given year. Therefore previous interest rate, see Attached XXXX billing statement was 5.25 %. THEREFORE NEW 2020 ANNUAL INTEREST RATE SHOULD BE 3.25 %. which is higher than the calculated rate of 2.92 % and acceptable based on contract terms and conditions. 

Specialized Loan Servicing LLC should be forced to correct their fraudulent error and other consumers should be alerted to this fraud that occurs in low competence loan servicing companies.
Product: Student loan

My due date for my payment was scheduled for XX/XX/2023. I contacted via email two weeks before. I did not get a response. I called multiple times the following week and was on hold for over 40 minutes numerous times and never got through to a representative. Instead the call would state to call the exact number I was on the phone with already ( XXXX ) XXXX and would hang up. This happened multiple times throughout the day and on different days of the week. I continued to follow up with another email. Again, no response. Due date approached and I was unable to make the change for my due date thus considering my payment late. I continued to email and call and still have not received a response and it is now XX/XX/2023. This is frustrating because I have other questions regarding my payment and loans and I continue to not get a response. I am currently on the phone and have been on hold for the last 47 minutes. I understand that with the new payment restart dates for everyone they may be busy taking calls, but I have zero hope of even getting an answer despite waiting for the last 47 minutes.
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$600.00} XXXX OF XXXX XXXX Balance Owed : {$790.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian ( credit reporting company ) blocking access and doesnt allow obtaining credit reports for U.S. citizens and other people living on U.S. territories. 

I live on Guam ( territory of the United States in the XXXX ) and Experian has my credit report which contains information from several credit card companies. So far I was able to obtain this report only from 3rd party services like my bank ( XXXX ) that provide me a limited credit report from Experian. 

But Experian itself refuses to provide me with my report. When I go to XXXX and fill form I always getting a reply that A condition exists that prevents Experian from being able to accept your request at this time. 
I have no problem getting my report from XXXX  and XXXX  with the same info. 

When I directly go to Experian website and trying to create an account to get my credit information I get this error after entering my SSN : We have encountered an internal system error. 
I was trying to call them but several representatives told me that they also get the same error after trying to obtain security questions for me to confirm identity. 
He said that he doesnt know what the reason is for this but he confirmed that the problem can be because of my address on U.S. territory and not on the mainland. 

I've been trying to address this issue with Experian 's support team for a year ( at least from XX/XX/XXXX ), they created multiple escalation issues ( Escalation Issue # XXXX ( Ticket # XXXX ) ) but the standard response was that I should clear my cookies or try another browser. 

I emphasize that the problem exists not only for me but also for other people who live in Guam and tried to get information from the agency. They getting the same error message. And I tried a different types of devices ( laptop, phone, etc ). 

Today ( XX/XX/XXXX ) I tried to go to Experian website again and found that its not usable for me as all formatting is broke. When I start to look whats the problem I found that they configure their server to block access for people who live in U.S. territories. When trying to load a website the following message appears : The XXXX XXXX distribution is configured to block access from your country. We can't connect to the server for this app or website at this time. 

So Experian now officially says that they configure their system to deny any chance to get their credit report for citizens who live on U.S. territories outside 50 states. 
At the same time, they still gathering this information from banks and other credit institutions but I have no chance to get it from them. As I mentioned above I should use limited info from my bank that provides me info from my Experan credit report or I forced to use other 3rd party services and pay money to get my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity theft report # XXXX including some accounts that for some reason are still reporting on my credit file. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX. Over 30 days I sent a dispute and I've yet to receive any accurate proof of obligation that these accounts belonged or were established by me. I also requested for several addresses to be removed where I never resided but they still remain on my credit file. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . It seems that my request has been ignored or avoided. There also multiple misspelled or inaccurate names or aliases still showing on my credit after I specifically requested there removal. All of the dates for the date opened are not the same and are conflicting as well. That being said under the Fair Credit Reporting Act, Fair and Accurate Credit Transactions Act my consumer rights are being violated per section 605b, 609, 611, and 623. Due to these accounts being opened fraudulent and the several inaccuracies including the 30 day failure to verify accurate information these accounts must be removed in accordance to the law.
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 ( 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 procer 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 XXXX financial loss, and I seek appropriate redress for those violations.
Product: Mortgage

Loancare LLC is a mortgage company that holds my insurance claim check and giving me a hard time to release the funds back to me after completing the repairs on my house.

I submitted all the repairs invoices along with lien wavier from the contractor that shows that all the repairs were paid in full, passed several inspections. Loancare LLc is holding my final check of {$66000.00} as hostage finding new excuse everyday to delay releasing the funds back to me, I've requested several times to release the funds to me and got nowhere with them.
Product: Credit card

On XX/XX/XXXX I discovered my Apple card was locked. After contacting them they informed me they stated they received notice of bankruptcy. I have never filed for bankruptcy and my account is current. Upon contacting them they informed me my account has been locked since XX/XX/XXXX. They clearly are not safeguarding information as I have never filed for bankruptcy and they are either supporting fraud or mishandling information. After contacting them several times they informed me it will take 28 days to resolve, and expediting possibly will reduce that to 10 days. They are going to ruin my credit because of their mistake they could have avoided by verifying they weren't screwing over the wrong person
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. 

XXXXXXXX XXXX XXXX XXXX XXXX. : # XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. : # XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX. : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXX, XXXXXXXX XXXX  : # XXXX, XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I'm am not responsible for this account.. I never had an account w XXXX.. I have disputed w XXXX and 3 credit bureaus .. I had XXXX XXXX for many years .. in the past. I am a victim of identity theft.. I'm not able to get info as to where the address of service was placed. I lived at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXfrom XXXX to XXXX then moved to XXXX XXXX XXXX XXXX XXXX XXXX tx from XXXX to present I now have XXXX XXXX.. I sent a letter asking for XXXX to provide the address of service.. They just state I owe bill and denied my dispute.and resold my act to another agency. Please investigate for removal from my credit reports I'm attaching documentation
Product: Credit reporting or other personal consumer reports

This is my several endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have had money in my savings with Chime Financial for over a year. Just re accessed the account after some time to find out that they have not given me any interest as they said they would in over a year and I had {$1000.00} in the account earning 1 % interest and only received {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is in response to your CFPB response with closed complaints requiring authorization ; it is not clear that I have attached my state ID and utility bill to certify that it is in fact me submitting the disputes, and you guys closing it without proceeding with your investigation as per my request to reinvestigate. I wrote to inform you that my credit report contains erroneous and inaccurate accounts that are negatively impacting my credit score.
Product: Debt collection

I am a victim of XXXX  XXXX since XXXX. I was finally freed of this man and the men that XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. My husband XXXX XXXX XXXX was found guilty and sentence to 5 years for having a XXXX and pointing to my head. He manipulated me, had complete control of our finances. After fleeing to WV I was followed and my handlers found new men and woman to recruit. I was XXXX by a man XXXX XXXX in XXXX of XXXX. My credit was used and inquiries as well as collections began to show that were simply out of my control. My entire life was hacked stolen and slandered. I am XXXX protected through HUD housing and recently was denied of emergency housing for an apt called XXXX XXXX in XXXX to which was given my paperwork and all documents of the act and police reports of the incident that had prior happened to me along with the protective orders they still deny me based of a collection that was not mine, even after giving them the paperwork and explain to them
Product: Bank account or service

XX/XX/2016 I opened a checking account with Citi Bank NA. As part of the new account bonus, Citi Bank offered XXXX bonus if I meet criteria to earn the XXXX dollar bonus. I did meet their criteria in same month. Furthermore, to get the XXXX bonus the consumer must wait 90 days to receive the bonus which was fulfilled as well. I visited the branch and requested status of the XXXX. The branch was willing to help but the back office of Citi Bank does not want to fulfill their side of the obligation. They made an agreement to give me the bonus after meeting the criteria but not willing to do so as we speak. I have to constantly follow up for this to no avail as of this date. At a minimum, this is a deceptive marketing gimmick by Citibank and I seek relief from this scam by Citi Bank and like the XXXX I was promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a dispute with Experian. Upon disputing inaccurate and incomplete payment history Experian and/or creditor updated payment history to damage my credit score. They deleted all payment history and added a new negative remark as a resolution to my dispute.
Product: Credit reporting or other personal consumer reports

The Consumer Reporting Agency EQUIFAX is in clear violation of the law. I obtained a copy of my Equifax Report and noticed the following data furnished below that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). I also have not been notified with the description of your last investigation results as per 15USC 1681i ( 7 ). The following revolving account with an alleged balance of {$210.00} is not in Metro 2 Compliance and has 3 late transactions furnished on my consumer report. According to 15USC 1666 ( b ) a creditor can not report a LATE PAYMENT unless they mailed a notice received 21 days before the late payment was reported, containing information from 15USC 1637 ( B ). Please provide me with the original statement sent to me from the person making the report, 21 days before each late transaction was furnished on my report. 15USC 1681 ( 2 ) ( a ) ( i ) clearly states that my transactions or experience to any person making the report are excluded from my consumer report. If congress states this data is excluded, Why are there UNVERIFIED late transactions furnished on my report within this revolving account?

I PAID THE REMAINING {$210.00} BALANCE AND THE ACCOUNT WAS REPORTED CLOSED ON XX/XX/XXXX. PLEASE UPDATE THE 150 DAYS PAST DUE REMARK TO PAID AS AGREED ON MY CREDIT REPORT. Company Listed : XXXX XXXX XXXX XXXX Date Reported : XX/XX/XXXX Date Opened Listed : XX/XX/XXXX - According to 15USC1681 ( e ) it is their obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report. To prevent from being a future victim of identity theft pursuant to 18USC1028 ( A ), I am requesting your agency to remove all other names, addresses and phone numbers ; and update to only the following : FULL NAME : XXXX XXXX XXXX XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TX XXXX CURRENT EMPLOYER : XXXX XXXX XXXX XXXX  XXXX CURRENT PHONE NUMBER : ( XXXX ) XXXX PLEASE REMOVE ALL OTHER PERSONAL INFORMATION FURNISHED ON MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, my credit was checked by XXXX XXXX. It has now been two years, and this entry should have been removed from my report, but it is still there. While this information has been removed from my XXXX report, it remains on my TransUnion report. I would like it removed as quickly as possible.
Product: Money transfer, virtual currency, or money service

I was writing a person check and upon cashing it they told me that I could not get funds and pluse they they keep my deposit from my job I was getting ever two weeks. Not only they did that they close out all my account out.
Product: Checking or savings account

On XX/XX/20, i checked my bank of america account and it said i had a - {$450.00} chargeback. Another chargeback happened on XX/XX/20 but that time, it was - {$500.00}. i called check fraud services on XX/XX/20 and explained my case. they opened my claim. since then, i would call for an update but they would just say the same thing, that theyre working on the investigation. its been 30 days and ive had no update. the chargebacks were checks that have been cashed in a bank of america branch by a teller. its absurd how bank of america has treated this case lightly. ive never cashed a check in a bank of america branch ever. the other absurd thing is that it was easy for that fraudster to cash in from the branch. as of today, still no updates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like you to review the docket number and type of public record because it is violating the Fair Credit Reporting Act. You are allowing slander and erroneous information on my credit report and are falsely claiming that it is verified. Please remove this public record for violating the Fair Credit Reporting Act. Your butts need to be sued if you do not remove this from my credit report. It is inaccurate, incomplete, and NOT VERIFIED! Delete this immediately! 

XXXX  XXXX Bankruptcy Filing Date XX/XX/2016 XXXX  XXXX