23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was violated by XXXX XXXX XXXX XXXX. During the year of XXXX  as I was attempting to entering a transaction for a sale of a property. I was informed of a lien on the property by XXXX XXXX XXXX XXXX, for the amount of {$38000.00}. Exhibit A provided show how I was violated by XXXX XXXX XXXX XXXX, pursuant to the fdcpa. Violations 15 USC 1692a ( 5 ) ( 6 ), They alleged I was the consumer of the debt also they were/or is acting as debt collector even though they are a law office. Violation 15 USC 1692b ( 5 ) Not use of language that indicates that the debt collector is in the debt collection business. Violation 15 USC 1692e ( 1 ) ( 2 ) -- False representation that XXXX XXXX XXXX ARE affiliated with the State of New York. Violation 15 USC 1692 ( 1 ) ( 2 ) XXXX XXXX XXXX reported inaccurate and negative on my credit reporting file, that made it hard to obtain credit. Violation 15 USC 1692h and Violation of 15 USC 1692j. Violation 15 USC 1692d ( 1 ) ( 2 ) obscene language and threats.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax website at https : //www.equifax.com ( and all pages therein ) are stylistically and programmatically broken allowing no way to access account information, review freezes/locks, file/check on disputes, and more. 

This has been the case for over a week yet Equifax is unavailable for commenting. 

They appear to be using XXXX as a customer support and ticket service judging from the number of recent tweets from general users and responses by the company. 

This can be observed at XXXX XXXX XXXXXXXX  where there is a constant stream of users seeking assistance for issues they'd otherwise resolve via equifax 's own website. 

With that said, I have been unable to file a dispute with the company nor access my annual credit report for over a week. 

How is this company still in such a position to report on and maintain critical financial histories on US consumers??
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. Block the items that are reported in my file Here are the aforementioned items : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XX/XX/XXXX
Product: Mortgage

My story started in XXXX of 2014 I was on a repayment program with Wells Fargo Home Mortgage. The program was suitable for my situation at the time. Since payments on a program such as this they are time sensitive. I had an emergency household repair for a furnace and I contacted Wells Fargo if I could make the payment three to four days late. I talked to two different members of said bank and they said I could. They gave me a confirmation number and the payment was made and cashed. About 10 days later I received a letter saying I broke the plan and would have to start the process over. Since they have now installed a program called Home Preservation Specialist that handles your case they gave me a name for contact. I made repeated calls to Wells Fargo over a number of months trying to resolve the issue and received no help at all. Bottom line all I wanted to do was to keep on the repayment plan and to make it more frustrating I was told by not one but to of their employees that I could make the late payment and they cashed as well. I also informed that the house was for sale and I just wanted to avoid any issues that came up. Finally I get contacted by them after spending averaging a least two to three calls a week. This is now four months later and the arrears have increased. I send in financial information that they requested and then get denied. I send in appeal letters and get denied. They start with a another request to see if I can be approved and more documents go out as well as appeals and they are denied. As time goes on the arrears continue to grow. Now I am in foreclosure with a sale date of XXXX XXXX. I have sold the house and the closing date is close to the sheriff sale date. I contacted them again and asked for a request for a postponement of the foreclosure sale they said sure send four specific documents for us to review. I fax the info and I am told when I called back that even though they have the documents in the system I would have to fax them to a different department. So I do and they tell me nothing can be done. Even though four different people at this firm have told me four different stories. Bottom line I am not the only one at fault here. And my situation is coming to a close I guess my complaint would be due to the incompetence, disregard and outright inattention to an issue by Wells Fargo and their employees that led me to believe I was ok has turned into a 9 month nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am filing this complaint against Lakeview Loan Servicing LLC due to several serious issues with my mortgage account. The problems I have encountered include : 1. **Failure to Provide Proof of Debt : ** - Lakeview Loan Servicing LLC has failed to provide adequate documentation proving that I owe the alleged debt. Despite multiple requests, they have not furnished the necessary evidence to substantiate the claim against me. 

2. **Improper Handling of Earned Interest : ** - The company has not appropriately utilized or transferred the earned interest associated with my principal 's account. This interest should have been credited to my account, yet it appears to have been mishandled or neglected altogether. 

3. **Wrongful Pre-Foreclosure Action : ** - Lakeview Loan Servicing LLC has taken pre-foreclosure action against me, even though my account should have been discharged. As a federally protected consumer, I am entitled to certain protections that the company has disregarded, resulting in unwarranted stress and financial harm. 

These actions by Lakeview Loan Servicing LLC have caused significant distress and financial hardship. I believe their conduct is not only unethical but also potentially in violation of federal consumer protection laws. 

I request that the CFPB investigate these issues and take appropriate action to ensure that Lakeview Loan Servicing LLC complies with all applicable laws and regulations. Specifically, I seek the following resolutions : - Provision of clear and accurate proof of the alleged debt. 
- Proper crediting or transfer of the earned interest associated with my principal 's account. 
- Cessation of any wrongful pre-foreclosure actions and correction of any related records. 


I require the following Supporting Documents : - Copies of correspondence requesting proof of debt. 
- Account statements showing earned interest. 
- Documentation related to pre-foreclosure actions. 
- Any other relevant documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX XXXX employee made a duplicate refund to my credit card in XX/XX/2021. They then tried to charged the double refund back to my card, which was declined. They then attempted to contact me at an address I no longer occupy. The bill was sent to collections with Outsource Receivables Management. Outsource Receivables management finally contacted the correct address in XX/XX/2021. The bill of {$560.00} was paid in full in XX/XX/2021. XXXX never provided an opportunity for me to pay this debt before sending to collections. 

XXXX and XXXX are not reporting this collection on my credit report. 

XXXX is still reporting even after a dispute and after Outsource Receivables Management has sent them a paid in full balance.
Product: Debt collection

On or around XX/XX/2024, my credit reports were pulled for a mortgage application. At such time, an account in collections with CCS collections was found to be on my account with a collection amount of {$60.00} from XXXX XXXX. As of that time I had received no notification from CCS about this account. When I called them about this account, I was told that they had mailed several notices none of which I have ever received. I have discussed the problem with XXXX and paid them directly. The customer service agent I spoke with said that they would not be reporting and that they would request CCS to remove their reporting, however, as of this date I have still not received the right to dispute the validity of this account as I have never received any paperwork from this creditor in direct violation of my rights granted under FCRA.
Product: Debt collection

I received a letter from Midwest Fidelity Services stating that i owed XXXX to a XXXX XXXX. I sent a receipt to them showing that the bill was paid in full. They refuse to take this off ofmy credit report.
Product: Student loan

In XXXX of 2015, a company named Equitable Acceptance contacted me in regards to consolidating my student loan debt. My understanding of the agreement was that my student loan would be consolidated and paid off. My payment would be {$39.00} a month. For the past year, I paid the {$39.00} a month with no problem thinking that my student loan with the US Department of Education had been paid off. I recently found out that this was not the case. I contacted the US Department of Education and found that I may have been scammed. At the moment, my loans have been consolidated with the US Department of Education and I 'm currently making my monthly payments. I have stopped paying Equitable Acceptance. According to my last statement I owe them a balance of {$1100.00}. I feel this company took advantage of me and am going to seek legal advice as to what to do next.
Product: Consumer Loan

I HAD A CAR LOAN THAT WAS ALWAYS AND STILL IS CURRENT, BECAUSE OF PARKING TICKETS THE CAR WAS TOWED BY THE CITY OF XXXX.THE CAR LOAN HAD ALWAYS BEEN CURRENT.IN ADDITIONAL TO PAYING THE TICKETS I HAD TO PAY XXXX FOR A VEHICLE LIEN RELEASE,XXXX FOR AN ADDITION STORAGE FEE AND NOW I AM BEING BILLED XXXX ADDITIONAL DOLLARS FOR A REPOSSESSIAN FEE.THE CAR WAS TOWED FOR PARKING TICKETS, THEY AND THE GARAGE STORAGE FEES WERE PAID THE SUBSEQUENT XXXX XXXX AND XXXX ARE FOR NOTHING, I I WANT CAPITAL 1 TO REMOVE THE FEES OF XXXX AND REMOVE ANY REFERENCE TO A PEPOSSESSIAN.
Product: Debt collection

XXXX. contacted right as the Citibank debt had come off my credit report. As an honest person and gullible as well, XXXX did a bad thing to me. They threatened me with legal action and then settled with me from {$3900.00} to {$1900.00} and XXXX payments of {$25.00} dollars. I made my payment every month and then they disappeared and then XXXX XXXX took over and the agreement that I have in writing was stated null and void. Is this not illegal?
Product: Money transfer, virtual currency, or money service

I would like to apply for the Apple credit app, so that I can use my phone to make purchases through the Apple program. However, I understand that this program is handled by Goldman Sachs. Numerous testimonials, including those by a founder of Apple and his spouse, have surfaced demonstrating that the credit granting process being employed discriminates against women who are applying jointly with their spouses using the same income and assets to qualify for the credit. In some cases the amount of credit limit assigned to men is more than 10 times that offered to the joint woman applicant. At a minimum, this has the impact of discriminating in the granting of credit on the basis of the prohibited basis of sex. While there may be no overt discrimination, the algorithms and other analyses being used in the credit granting process clearly are resulting in discrimination in the amount of credit being granted. This appears to blatantly violate the Equal Credit Opportunity Act. What is the CFPB doing to ensure that Goldman 's policies are being scrutinized for this discrimination in the granting of credit?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in dispute letters to the credit reporting agencies ( XXXX, experian, and XXXX  ) and a validation letter to the collection company ( XXXX XXXX  ) regarding two accounts ending in XXXX and XXXX and I keep receiving responses back from the credit reporting agencies and the collector stating the accounts are verified, but they keep failing to accurately verify the accounts in their entirety. I first started disputing the accounts with the credit reporting agencies in XX/XX/2018 and they continue to report the negative marks on my reports. They send me responses of verified without any proper verification. I sent in a letter of validation to the collection company and they just sent an itemized list of alleged charges. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. After continuous rounds of letters stating the section 609 ( a ) ( 1 ) ( A ), section 611 ( a ) ( 1 ) ( a ), section 611 ( a ) ( 7 ), section 611 ( 5 ) ( A ), and sections 616 & 617 these companies have continued to fail to comply with federal laws. The laws are very clear and my rights have been violated many times over now. Im sending in this complaint to you the CFPB because they have not followed proper guidelines and have violated the fair credit reporting act, the fair debt collection practices act, and have defamed my character.
Product: Checking or savings account

Please see to it that the designer/tech responsible for creating the fields offers the Other problem field so that I am enabled to file a complaint related to my issue. Actually, it is NOT a complaint, but a LAWFUL DEMAND FOR A REASONABLE ACCOMMODATION FOR MY XXXX ( in comparison to the genius who designed or requested the design of this website. Please be aware that this is the potential for my government to be successfully sued for failure to make reasonable accommodations for my human conditions. Most likely though, this will be reviewed by AI and AI was NOT instructed correctly to work within the perameters of obeying all the laws regarding its treatments and considerations of interfacing with humans which are XXXX in comparison because that legal precedent has yet to be set in a court of law, but I contend that an actual human lawyer might actually read this and see that the government ( federal ) just might want to act in accordance with the mandate of the XXXX and that it would NOT be such a leap to see that an over stressed judge just might identify with the proposal of a civil human that indeed we humans are XXXX in comparison to AI and AI is failing to make reasonable accommodations for humans who interface with it! But, here is my record of this attempt to have my government make itself useful and relevant to my life which might justify the use of tax money. Furthermore, I believe that governments failure to address the real needs of the public and for it ( Federal ) government to violate itself is a behavior which nullifies itself as a sovereign government and opens it up to the civil dissoving of itself by court order, and all other governments which likewise violate there own mandates/laws when interfacing with its citizens human. Thank you for your consideration/s. I can only hope that self teaching XXXX will eventually get to this matter before hand, but whos to say.
Product: Credit card

Chase is trying to close my Chase Freedom account without a cause. I asked them why and they said for political purposes. I was just approved for my chase credit card ending in XXXX in XX/XX/year> only to be informed in XX/XX/year> that it will be closed which will hurt my overall credit status. This will shrink the average age of my credit, debt to ration which will lead to my credit score dropping.

The part that they said they don't have an answer and I have never had any negative accounts, late payment, banking history or negative impact on my previous credit card is cause of concern for me. 
I spoke to one supervisor who said this is most likely political motivated. He did not wanted his name to use in this dispute.
Product: Debt collection

Never had account XXXX XXXX XXXX. Convergent sends settlement letter. Name wrong. Middle initial not mine. No way sign stuff wrong name. Fighting this last couple decades. They passing around their dozen names come back again and again and again. Every time always tell never had account. Know own name. Cross country got dozen same name people different middle name. Not mine not mine not mine. Go drop dead
Product: Credit card

On XX/XX/year> I submitted an insurance claim to Chase 's trip insurance provider, XXXX  ( claim # XXXX ) to seek {$100.00} in compensation for a baggage delay incident that occurred on XX/XX/year> on an XXXX XXXX XXXX  from XXXX, XXXX to XXXX XXXX, XXXX, XXXX. The flight was purchased via my Chase Sapphire Preferred credit card on XX/XX/year>. 

XXXX refuses to proceed with the claim without a XXXX XXXX XXXX XXXX XXXX XXXX document filed through XXXX XXXX. I have documented numerous attempts to file this XXXX and have explained multiple times how XXXX has made it impossible for me to obtain the XXXX that XXXX is insisting. 

I have also spoken over the phone with Chase to open a dispute on the flight transaction but Chase says I am not eligible to open a dispute because I took the flight and that my baggage was eventually delivered to me.

I find this unacceptable because the baggage was delayed by multiple days and the Chase Sapphire Preferred credit card is advertised to insure against baggage delays of this type.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX
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 time 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropiate redress for these violations.
Product: Credit card

This account appear under my name but is not mine ..is not my phone number is not my email the name is one name I have a midlle name.. they investigated and say is mine but is not my account. And I dont know the address for that account
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2015 with a balance of {$2200.00} which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX Bank, Account # XXXX has violated my rights. 

15 US 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

I have sent several letters to Security Credit Services in regards to an account that they are claiming to be mine. I have asked 3 times to validate the debt and all I keep receiving back from them is an electronic application and bill. My last communication from them was asking for a copy of my id and signature which they were not able to furnish. Everytime I send them a letter asking for validation they just keep saying validated and demanding that I pay.
Product: Debt collection

In XX/XX/2024 I received a letter from Medicredit for XXXX account being put into collections after I requested a itemized statement. The hospital never provided and I sent certified to medicredit requesting proof of debt and payment history no response. I then received another letter from medicredit in XX/XX/2024 that i now have XXXX accounts for XXXX patients different services exact same amount. I again \sent a certified letter to medicredit for proof of payment history and such. I will attach the letters sent that was signed for and till today XXXX no response from medicredit to validate any of the information i am requesting. 
I went on today to pay a seperate bill and the hospital is also billing me still and i am receiving bills from Medicredit to pay them. I dont see how this is legal or right to want me to pay for services they cant even verify or show what my co-pays that were paid went to. I was not aware of any other bill as i was told it was in network and never provided a itemized billing statement
Product: Credit reporting or other personal consumer reports

This account does not show any late payments or evidence leading up to the " charged off '' status. This account is also past the XXXX XXXX State Statue of limitation and should be removed and deleted from my credit report based on the reporting dates. Here is the XXXX XXXX state law for reference : 23 N.Y.C.R.R. 1.3 ( b ) and the new Consumer Credit Fairness Act Link : https : //www.dfs.ny.gov/industry_guidance/industry_letters/il20220407_23nycrrpt1_and_ccfa I have disputed this debt in the past ( XX/XX/XXXX ) and received no letter or proof of investigation. Here is the account info Account Name : XXXX XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Unsecured Address : XXXX XXXX XXXX XXXX Number : XXXX Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; All accounts furnished on my consumer report have not been authorized by me. I never gave experian permission to do so. By don't so they violated.15 U.S. Code 1681b - Permissible purposes of consumer reports ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.