23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have contacted the company multiple times requesting proof of the debt so far they have not provided any proof to me but they continue their collection efforts there are two accounts with the bank that they are representing that were open fraudulently years ago I was never contacted about these accounts until I attempted to apply for a credit card with the bank and then I was made aware prior to that the bank had different phone numbers different addresses different email addresses I mean it's pretty obvious that this was a case of identity theft and all the other accounts that were involved with this identity theft have already been resolved a years ago I've requested the company provide me some proof of the debt Show Me an application that I filled out that has the correct information on it show me where payments have been made because according to the bank payments have been made but I've never made any payments out of any account that I've ever owned how do you explain not having my home address or my phone number or my email address or any of that? Sending me copies of old statements is not proof I'm not disputing the fact that these accounts existed I'm disputing the fact that they belong to me and now you're gone as far as file a case with the courts do you honestly think I'm not going to show up and ask these exact same questions I hope your present because I won't be bullied by you I'm not scared of you and I plan to fight this so far you have not shown any proof that these accounts belong to me when we go in front of a judge he's going to want my questions answered my questions are not unreasonable I hope you're prepared to do that or you've just wasted your money filing a court case against me and just so you know I am not willing to consider the dispute resolution service that the courts are offering I want you to be forced to go in front of a judge and explain your position explain how you and big Banks like to pray on individual consumers
Product: Student loan

I have the right to privacy as a federally protected consumer. 
I have the right to privacy as a federally protected consumer. 
I have the right to privacy as a federally protected consumer. 

******* I do not consent to XXXX verification ******* ******* I do not consent to XXXX verification ******* ******* I do not consent to XXXX XXXXXXXX verification ******* Nelnet is Discriminating against me for exercising my rights in good faith as a consumer Nelnet is Discriminating against me for exercising my rights in good faith as a consumer Nelnet is Discriminating against me for exercising my rights in good faith as a consumer when does a company policy trump federal law 18 USC 8- all obligations public and private belong to the United states 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;
Product: Credit reporting, credit repair services, or other personal consumer reports

The Bankruptcies were reported to the three credit major credit bureaus without my written or verbal consent to do so and put on my credit profile
Product: Mortgage

At the very end of XXXX ( exact date unsure ) I contacted Shellpoint via phone call to specifially discuss new Covid-19 guidelines XXXX XXXX issued that directly pertains to my XXXX XXXX mortgage. In a recorded phone call, the agent ASSURED me Shellpoint would be following those guidelines for Forbearance, specifically no late credit reporting and would not require all payments plus late fees at the end of the forbearance. I have reduced income due to covid. 

I expressed GREAT XXXX that these conditions would not be met by Shellpoint but was ASSURED they will be. With no other choice and flimsy details, I missed my XXXX payment with only assurance by an agent on a phone call to go by. 

Over the course of two weeks, I repeatedly attempted to make contact with my point of contact XXXX XXXX at Shellpoint via phone. I wanted DETAILS and assurance. 
His voicemail was full and not accepting messages. I wrote three emails that were unreturned. I could not get thru to anyone at Shellpoint. I received NO correspondence from Shellpoint via the US mail, email or phone detailing the forbearance until Saturday XX/XX/XXXX. I received a threatening form letter. 

The correspondence stated 1. NEGATIVE CREDIT REPORTING WILL OCCUR 2. Indicates ALL payments CAN be due at end of The forbearance unless they deem to do OTHERWISE and that an application for working the repayment would need to be applied for at the END of the three months and that they can DENY the application and demand all payments at once. This is contrary to XXXX XXXX guidelines and exactly what the agent said would NOT happen. 

This.is Exactly. What.I.Specifically. Asked. The. Agent. About. In. XXXX. 
In a phone call on Saturday, XX/XX/, after receiving the letter, I was able to speak with an agent who assured me my letter was wrong, differed from what she was seeing, and she was putting in a request for a manager to contact me. I do not have any faith in this process now.
Product: Mortgage

Homebridge had closed a previous inquiry regarding an issue with my escrow account. But there still is an open issue from that inquiry that needs to be addressed. 
Your company previously stated that an escrow refund of {$3300.00} was mailed to me, the borrower, back in XX/XX/2019. I do not recall receiving this check in for the overage from the escrow account. Can you please tell me of that check was ever cashed?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom it XXXX Concern : Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. Box XXXX XXXX, GA XXXX XXXX, XXXX XXXX. Box XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Bank XXXX from XXXX XXXX, XXXX XXXX Dc XXXX from XXXX XXXX, XXXX XXXX Wire Inquiry from XXXX XXXX, XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX COLONY XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate complaint and I did not hire credit repair company to file this report and its not filed by a 3rd party. 

In Accordance with the Fair Credit Reporting Act XXXX  these accounts below have violated my rights according to 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 Account Name : DPT EDXXXX Account # XXXX Account Name : DPT EDXXXX Account # XXXX Account Name : DPT EDXXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # XXXX Account Name : XXXX Account # XXXX Account Name : XXXX XXXX XXXX  Account # XXXX Account Name : XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX
Product: Checking or savings account

I have {$190000.00} on my Robinhood account. On XX/XX/XXXX Robinhood decided to close my account and notified me that I'll be refunded within 120 days. XX/XX/XXXX was day XXXX, but I still didn't receive any refund and I still see that my money is sitting in my Robinhood 's account. Today, XX/XX/XXXX is day XXXX. I wrote to Robinhood 's customer support that 120 days have been passed, but customer support ignores this fact and send me the same message the sent me before about " 120 days ''. I need my money back. Robinhood lied and continue to lie about 120 days which already have passed. I received no refund and Robinhood 's customer support is absolutely useless. Robinhood lied to you, CFPB, within the complaint No. XXXX.
Product: Credit reporting

Ok, so neither my XXXX nor XXXX XXXX ( XXXX ) card, both XXXX XXXX backed, were being updated on my Equifax credit report. These account would update every month on both XXXX and XXXX but around 6-8 months ago they both stopped updating on Equifax , the only way I could get them to update was dispute, which would take 30 days to get them to update then the information would be out of date again and I would have to start the process all over again. This should not be the case. I contacted both Equifax and both XXXX XXXX ( XXXX ) and XXXX ( XXXX ) and all of them passed the blame onto each other. XXXX and XXXX blamed and Equifax said they never received any information. So basically everyone was passing the buck and no one wanted to take any responsibility nor help resolve the issue. My last conversation with Equifax rep stated nothing they could due to get them to report accurate information other then disputing which I really did n't want to do as it does n't resolve the bigger issue but I said ok. Now 30 day 's later my 2 years of positive credit history with XXXX card has been removed from my Equifax report. This is unacceptable and I want this problem resolved permanently, and as I have had no luck with either of the companies, I am turning to you to hopefully get something done. This is a violation of my rights under FCRA as accurate information is not being furnished to my credit reports which has affected me in my credit approvals for the last 8 months. I want to buy a house next year and ca n't have these people screwing around with my credit reports. Please help me fix this. Also this dispute was not initiated by me, it was the Equifax rep who did it, so I have no idea how he coded the dispute, if it was coded anything other than verifying balance/credit limit etc then he did represent our conversation nor the issue I was calling to resolve. This has been an ongoing terrible experience.
Product: Debt collection

the third-party collector is sending me information that I did not agree on with them about anything as such, paying a bill from a company that did not adhere to anything spoken about. I was not treated fairly by the Fair Act law. 
XX/XX/year> amount {$9000.00} I tried to talk with the company about the problem to no avail anything was cleared
Product: Credit reporting, credit repair services, or other personal consumer reports

Please work with Experian to update my Student Loan accounts as paid as agreed and Chapter XXXX bankruptcy deleted from my file. reinvestigate these matters and delete or correct the disputed information as soon as possible. And the 2 public records Chapter XXXX bankruptcy accounts deleted. Experian is reporting several accounts as being in a chapter XXXX bankruptcy however XXXX XXXX is stating that they have no record of a credit file on me. 
Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. 
I previously disputed this public record stating : ''I dont recognize this public record. '' Public Record from a Chapter XXXX Bankruptcy on XX/XX/XXXX. I previously disputed this public record stating : ''I dont recognize this public record. '' XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX  Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed. 

XXXX XXXX XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. This account was consolidated and paid in full. This account was not included in a Chapter XXXX bankruptcy and should be reporting as paid as agreed and closed.
Product: Credit reporting or other personal consumer reports

my auto loan never showed up on my credit report from credit acceptance because they said there was a fraud alert on my profile but i never received any information in regards to that alert or any proof that they got an alert or from which company.. i need a clear cut way how to fix this and they are avoiding taking responsibility
Product: Credit card or prepaid card

Amex is offering a promotion : " Starting from the time you enroll through XX/XX/2021 ( Purchase Period ), you will earn one {$15.00} statement credit each month after spending {$15.00} or more in combined eligible purchases of monthly wireless telephone services ( e.g. monthly service charges for your cellular phone ) purchased directly from U.S. service providers with your Delta SkyMiles Platinum Business American Express Card, during the Purchase Period, up to a total of {$160.00} in statement credits. '' I've put my monthly cell phone bill from XXXX XXXX on my Delta Platinum Business Amex card. XXXX XXXX  is the wireless service provider from XXXX ; see XXXX XXXX XXXXXXXX/about/ However, the XXXX XXXX/month statement credit did not post to my account. I opened a case with Amex ; case # XXXX. Amex states : " As per the investigation details, Your transaction against merchant XXXXXXXX XXXX  XXXX PAYMENT with merchant number XXXX does NOT qualify because it is a XXXX XXXX transaction and it is not considered to be its own standalone wireless service/provider because it is operated by XXXX, XXXX, and XXXX XXXX XXXX '' However, this is not true. XXXX is its own company, and XXXX XXXX is its own wireless service provider ; XXXX is not owned nor operated by XXXX, XXXX or XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX your bank made an inquiry on my account in which the inquiry wasn't removed from my Experian report as of yet. I did npt make this inquiry and I want this inquiry removed
Product: Credit card

Netspend sent a credit card to my address with a strangers name on it. They may have done so twice, since the XXXX XXXX XXXX application shows another piece of mail sent from XXXX Netspend to my address with another strangers name. Not sure if a scammer is using my address or if Netspend is the scammer, since they have a lot of complaints online. I tried calling them at the phone number on the back of the card, but the options menu did not seem to include talking to a real person or address fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXXnd I got a fake call from a Wells Fargo in Georgia saying that a XXXX XXXX is trying to do a wire transfer from my bank account. I said I didnt authorize this. They made me believe that this was Wells Fargo. The fraud alert they sent me was from a text now phone number. I was thinking that the wire transfer wasnt going to go through but it did. They got me for {$6300.00} and my bank is refusing to give me my money back. They asked for my password because they said my account was compromised but I swore that it was Wells Fargo. I filed a police report in XXXX XXXX and Georgia.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Debt collection

Received a collection letter claiming to owe {$260.00} to XXXX XXXX. This is the second time this collection has been attempted. Letter is attached. 

The debt is not correct. I do not owe this money. When the first collection agency contacted me I called XXXX XXXX and verified the bill had been paid in full. XXXX assured me they would take care of the collection activity. 

They did not take care of the collection activity and I now find myself having to deal with another demand notice from a different collection agency.
Product: Credit reporting or other personal consumer reports

Pursuant to the Fair Credit Reporting Act 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. XXXX, Equifax and XXXX are all collectively consumer reporting agencies and I am the consumer. I have the right to make sure that my private information isnt shared which is backed by 15 USC 6801 which clearly states, It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public personal information. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX institutions by definition under that title. 15 USC 6801 section 604 a section 2 states that In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX the financial institutions and the consumer reporting agencies XXXX, Equifax And XXXX do not have my consent to furnish this information and they surely do not have my written consent. This is notice that any and all consent to XXXX, Equifax, XXXX, XXXX XXXX, Self financial/Lead bank, & XXXX XXXX XXXX XXXX XXXX it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise the NONDISCLOSURE option. XXXX XXXX, SELF FINANCIAL/LEAD BANK, SOUTHERN FINANCE, XXXX XXXX XXXX never XXXX me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. These accounts are adverse items they are reporting again, without my permission which is against the law. 15 USC U.S. Code 1681s-2 ( A ) ( 1 ) A states 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. 15 USC 1681 e states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt out at any time. I AM OPTING OUT OF YOUR REPORTING SERVICES IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE 9 UNAUTHORIZED INQUIRIES ON MY TRANSUNION REPORT. I NOTICED THEM AND REACHED OUT TO THEM AND THE INQUIRIES ARE STILL THERE.

THIS IS THE LIST OF INQUIRIES : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXXXX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX
Product: Debt collection

This is a third party collection agency attempting to collect an alleged debt and is reporting on my credit file unlawfully and has violated numerous laws under FDCPA and FCRA in which an invoice is enclosed for the civil liability. I've attached an Affidavit, Validation of debt and Cease and Desist order in which they received certified mail that is attached as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I received a notice that my CD from XXXX XXXX. I noticed it was a cashiers check and made out wrong. I took it to my bank XXXX XXXX XXXX. The teller said she could not deposit it into my checking account because of the way it was written. I decided to try another bank that they might have different regulations. I went to my credit card bank Wells Fargo in XXXX XXXX XXXX. I was told by banker that I would have to get a lawyer to write up a trust agreement the same wording as was on the check that was issued wrong. On XX/XX/year> I sent everything to my lawyer and he wrote up the trustee paperwork that the banker requested. In order for us to get this trust account application our lawyer had to get us assigned an employer identification number with the IRS. 

The bank Manager told us that they could not take it the way the check was made out to a trustee. I told him I just paid for a lawyer to set it up the way the banker told us to do. He said he was sorry nothing they could do with the way the check was written. If he was not sure how to resolved this issue, he should have never offered his services he should have asked his supervisor. I have lost interest on the CD not being deposited for the time spent getting what the banker requested. I feel Wells Fargo should reimburse me for this costly information that he requested. My lawyers fee and notary because he insisted that I had to have all the paperwork notarized. In closing this was an annoyance and inconvenience because of this misleading information.