23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

1 ) I was contacted by a company which I have never given any permission to my personal medical or personal information with regards to a Debt. I strongly feel that my HIPAA privacy and sercurity has been violated with regards to this company by the name of FROST-ARNETT COMPANY ; their address being XXXX XXXX XXXX XXXX, TN XXXX. Their phone number listed XXXX & XXXX. 

2 ) They contacted me trying to collect on a debt, asked me for my social security and full name saying that they have all my information of an existing medical debt that they need to collect asap. They claimed to have an existing debt to collect on behalf of XXXX XXXX XXXX whom OBVIOUSLY SOLD my medical infromation and strongly violated my HIPAA privacy and security laws. 

3 ) I was contacted by a company which I have never given any permission to my personal medical or personal information with regards to a Debt. I strongly feel that my HIPAA privacy and sercurity has been violated with regards to this company by the name of FROST-ARNETT COMPANY. They gathered information forcefully my name, the sum, my social security I think and my drivers license I was not aware that this was a complete violation of my HIPAA privacy and security law that is supposed to proctect me from these agressive and invation of privacy tactics. 

4 ) The company is about FROST-ARNETT COMPANY ; their address being XXXX XXXX XXXX XXXX, TN XXXX. Their phone number listed XXXX & XXXX. They have distroyed my credit like they said, even though they NEVER had my permission to have access to ANY of my personal medical and private information. I am scared for the sake of my security and really medical privacy, that is can be sold and thrown arrownd like nothing, like I don't matter or exist. Very very shocking! 

5 ) The people involved are above. The company that contacted me with a debt that never existed with them, they never had permission to my private and suppossed to be secure medical information based on the HIPAA laws. 

6 ) I was contacted by this company ( FROST-ARNETT COMPANY whom had not right to do so, on XX/XX/2018 in writting ( a bill from them ) as well as a day or two later via phone where they forcefully asked me for my social security and so forth saying that they need to collect a debt asap and that I must pay this debt before a year from the date. They claimed to have a balance of $ XXXX that I owe them. 

7 ) This company FROST-ARNETT COMPANY has several addresses listed on this fraudulent bill they sent for the balance. 
**FROST-ARNETT COMPANY **XXXX XXXX XXXXXXXX XXXX TN XXXX **Phone Number XXXX / XXXX **FROST-ARNETT COMPANY **XXXX XXXX XXXXXXXX XXXX, TN XXXX. 
**Phone Number XXXX & XXXX XXXX **XXXX XXXX   XXXX XXXX PA XXXX ( Address service requested?? ) Please help, this is worng, this is a breech of the HIPAA privacy laws to a large extent, my security and privacy has been completely violated. Please advise. 

Thank you kindly,
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Equifax on XX/XX/XXXX to complain that I have multiple incorrect inquiries placed on my credit report from when I went to purchase a vehicle last XX/XX/XXXX and XX/XX/XXXX. I explained a representative that I walked in my local dealership, XXXX with a preapproved letter from XXXX XXXX with stated interest rate and a preapproved amount. I had a verbal agreement with the sales manager that my credit would not be ran through several different banks as it was at my last vehicle purchase in XX/XX/XXXX. It was agreed that XXXX/XXXX does there own financing and could beat the rate on my letter. I called to advise Equifax that because this was done without my consent, it was not authorized and should be removed. I was told by two different representatives it could not be removed but if I got a letter from the dealership that it was done in error, it would be removed. I drove into XXXX and spoke with the sales manager who advised he remembered me and they did not run my credit through multiple banks. I pulled up a copy of my credit report on my phone and he stated he would get me a letter in 2 days to mail to each bureau as this should not have been done. I obtained the letter, mailed out, XX/XX/XXXX and receive a letter yesterday that the inquiries were accurate and would remain. Also 2 of my student loans with XXXX are older than 7 years and should not be reporting. They were originated in XX/XX/XXXX and XX/XX/XXXX. I  disputed this twice, it was removed and Equifax erroneously placed it back on twice without notifying me within 5 days.
Product: Vehicle loan or lease

My XXXX account closed on XX/XX/XXXX is being reported as late despite a clear mistake on XXXX part, I have never submitted a late payment to them. I paid the last invoice as soon as I became aware that there is a balance due. After successfully disputing it with XXXX they retaliated by reporting it late to XXXX  and XXXX. 
I reached out to them on XX/XX/XXXX and they assured me that they'll update the account as paid on time. I then reached out again on XX/XX/XXXX and was assured that it was submitted. When the report wasn't updated I called back on XX/XX/XXXX and was told that it can not be done. After being told that a supervisor is not available I requested a call and received a call from XXXX on XX/XX/XXXX. He left his phone number where to call back. I tried calling that phone number several times but was unable to get through.
Product: Checking or savings account

Had a emergency where I was trying to get someone to zelle me some cash on they end it said that it was sent as well on my end but I never received it and had to call the bank then one time my Zelle keep saying that it was unable to send payment when I was trying to send funds
Product: Credit reporting or other personal consumer reports

Transworld systems is calling and harassing me I dont own this debt they cant verify
Product: Mortgage

I have a home in XXXX new York. I fell back on my payments due to lack of income and tenants stop paying rent. I tried to modify my loan. However my lender Ditech which is the second mortgage lien on property has refused to help me. My first lien lender modified my first mortgage and I have kept my payments on time for over four years! Ditech has decided to litigate and cause me heavy legal fees instead of modifying my loan. I believe that the bank is violating my civil rights because of my race and religion. There are many of their clients in a similar situation where Ditech Modified their loan without any documents. They gave them a streamline modification. This is unfair and I want to pay and have shown my ability to pay my first mortgage after a successful modification. I should be afforded another opportunity. I can afford to pay {$1800.00}. a month if more is needed I will get it.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that
is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Debt collection

In accordance to FCRA Section 609, these accounts was  further disputed in XXXX, XXXX, XXXX, and XXXX 2017. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. All dates in which I have stated I do not have account with AD Astra Recovery.  They have continued to report inaccurate information. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, 2017 and past 60 days when these accounts were initially  disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery closed the account with XXXX than it was reopened. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed the account on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I  feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/17. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately two weeks ago on XX/XX/2021 I contacted Financial Account Services Team regarding a collection account with a balance of {$220.00} listed on my credit report. Utilizing the rules of the FCRA I asked the agency to provide proof that they were legally allowed to report this account to the credit bureaus at my expense and that they owned this alleged debt. I also asked for validation of the account a signed contract between myself and their agency or a signed contract between myself and the original creditor XXXX XXXX as I do not have knowledge of this account. Neither items were furnished to me. Although I disagree with the validity of the said account Ive tried on numerous occasions to reach an agreement with Financial Account Services Team. I tried speaking to several different representatives to no avail about settling the account and have the information removed from my credit report, each agent refused.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : List all inquiries the name of the company and the date it was added to your credit report. 

I did not authorize these inquiries XXXX XXXX XXXX XXXX Inquiry : XXXXXXXX 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 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: Credit reporting

Equifax is reporting a derogatory collections account, XXXX XXXX XXXX XXXX XXXX Account Number XXXX, past the 7 year limitations period in violation of Section 605 ( a ) 5, ( c ) 1 of the Fair Credit Reporting Act. The original creditor was XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX is a debt collector for XXXX XXXX XXXX. 

I am demanding Equifax remove the account from my credit file which is more than 7 years past the date of delinquency but Equifax is refusing to remove it. Also, XXXX and XXXX already deleted the account. 

The account officially defaulted on XXXX XXXX, 2008 because the account 's original contract clearly states default occurs when a bankruptcy petition is filed and I filed a bankruptcy petition on this date. ( See XXXX XXXX Contract page XXXX Section I ( XXXX ) " To the extent permitted by applicable law, I will be in default if : ... ( XXXX ) any bankruptcy proceeding is begun by or against me. '' ) On XXXX XXXX, 2008, I filed a Chapter XXXX bankruptcy petition in the Bankruptcy XXXX XXXX XXXX XXXX Texas in XXXX, and included this creditor and account in my petition. The case number was XXXX and a discharge was issued XXXX XXXX, 2008. The creditor was served. ( See the attached bankruptcy petition page XXXX, discharge order, service of process, as well as the promissory note ). 

Finally, XXXX XXXX included terms that were abusive for a loan of any type especially an alleged student loan. The interest rate was over 20 %, and the note was not certified by the University XXXX Pennsylvania or any University, College, or School. In fact, at the time the loan was issued, I was hospitalized and no longer a student at the University XXXX Pennsylvania. 

I am demanding this item get removed from my credit report with Equifax because it is past the 7 years reporting period and in violation of the Fair Credit Reporting Act.
Product: Mortgage

Although we have told them 3 times that we are not interested in refinancing, they continue to contact me and my husband multiple times per day. We have received an additional 12 calls and 2 emails even after we have told them that we are not interested. This is now considered harassment. I am now at the point of keeping records of all their calls and emails as proof of their continued harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to Experian on XX/XX/2017 to remove inquiries that were not authorized by me and did not receive a response addressing my concerns. I need to see proper authorization for each un authorized inquiry on my report. Furthermore I requested that they provide me with the method of verification for the XXXX XXXX card they are reporting on my report and they id not provide it. I need these issues resolved as soon as possible as this is preventing me from being able to get financing for my XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Reference # : XXXXXXXX  Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I sent Bank of America a remittance coupon to pay my credit card bill.They ended up closing my account after they said they received the payment.They also closed my business account right Before they closed my credit card account.They never posted the payment which was sent certified mail on XXXX XXXXThey never spoke of closing the account they said your in good standing.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$11000.00}, XXXX XXXX XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$9000.00}, XXXX XXXX Account # XXXX date XXXX XX/XX/XXXX bal. {$8800.00}, XXXX. XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1600.00}, XXXX XXXX Account # XXXX date opened XX/XX/XXXX bal. {$1400.00}, XXXX  XXXX bank Account # XXXX date opened XX/XX/XXXX bal. {$980.00}, XXXX XXXX Account # XXXX date opened XXXX bal. {$720.00}, XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX bal. {$0.00}, XXXX XXXX XXXX XXXX Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquiries :, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

my SS was stolen and i have taken the necessary steps to alert all credit agencies and to freeze my credit. 

When I tried to log into Experian to do these steps, i got an alert that my account was set up under another email that is not me! When I try to reset the Experian account, it indicates it is sending the info to the hacked account ( with pin ). 

I have called all the numbers available ( during scheduled business hours ) to let Experian know someone now has set up a false account under my name. and I can not speak to anyone in person! Its unreal and alarming. why cant experian have someone to talk to in person?! Especially when dealing with fraud I have attached the screen shot of the fake email that is not me!
Product: Credit reporting or other personal consumer reports

This account is reporting late reported in my XXXX and TransUnion Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  ( XXXX XXXX XXXX ) has violated my rights. 
154.s.c 1681 section 602 A states I have the right to privacy.

15 U.S.C section 602A section 2 It also states a consumer reporting agency can not furnished account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is in violation of multiple laws set forth by XXXX in regards to the following account XXXX XXXX 15 U.S. Code 1681a ( XXXX ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXX XXXXXXXX XXXX shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Equifax, and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX  can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By XXXX, the IRS Clearly says a Cancelled debt or XXXX off is XXXX. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX  for XXXX cancelled debt of { { {$67000.00} } } in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXXXXXX is clearly writing off debt with the IRS without XXXX out XXXX as required by the IRS for debts greater XXXX { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXXXXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXXXXXX XXXX and conditions they agreed not to share my information with non affiliates. XXXX, Equifax, and XXXX is not an affiliate of XXXX XXXX XXXXXXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION XXXX ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.