23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A rule recently proposed by the CFPB bans medical bills from credit reports. The rule, if finalized, means debt collectors can not use credit reporting to push you into paying medical bills, including inaccurate bills that you do not owe.

SB 1061 by XXXX XXXX XXXX ( XXXX XXXX ) targets the devastating impact of medical debt on consumers. Under this new law, medical debt will no longer be included on consumers ' credit reports, ensuring that people are not penalized for the high costs of necessary healthcare. 



This is also a HIPPA Violation The HIPAA Privacy Rule also applies to medical debt collection. The HIPAA Privacy Rule protects the confidentiality of patients health information. This means that debt collectors can not disclose a patients medical information without their consent, even if they are owed money. 

This is also in violation of the NO SURPRISE RULE PLEASE REMOVE ALL NEGATIVE INFORMATION FROM MY CREDIT REPORTS
Product: Credit reporting, credit repair services, or other personal consumer reports

please check the following accounts that appear in my report, without any authorization XXXX XXXX XXXX Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine. 
CITICARDS CBNA Account Number : XXXX This is not mine.
Product: Mortgage

I contacted CFPB then I believe the representative hung up or I got disconnected on XX/XX/XXXX. I then called M & T mortgage trying to determine why is my mortgage being transferred to XXXX XXXX. I asked what was the reason for it being transferred and they simply said it is a common practice. I am trying to determine why my mortgage was transferred from M & T to XXXX XXXX. This company is under a second lawsuit because hackers stole client information as you can see below due to careless security. This is my XXXX time being transferred for my mortgage. I am not in bad standing and always paid my mortgage on time. Again my question is why is my mortgage being transferred to this company and it appears they are not good in protecting my information. I would like to remain with M & T. 

What is the lawsuit against XXXX XXXX? 
XXXX XXXX hit with second lawsuit over massive mortgage loan Mortgage loan giant XXXX XXXX is facing a second class-action lawsuit after hackers stole the personal information of XXXX XXXX customers in late XXXX. The latest lawsuit, filed XXXX XXXX in federal court in XXXX, accused the XXXX company of being careless with its security of customer information.XXXX XXXX XXXXXXXX
Product: Debt collection

The following people were contacted by this company- me, my husband, my father, my mother, my sister, my sister-in-law, and I was left a message at my place of employment. They stated that I was a defendant in a lawsuit and I needed to contact them within the next 24 hours- this is Portfolio Recovery Services about old debt that has been written off. The phone numbers they called from were XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is a company that has recently been placed on my report, the information is inaccurate I have never done business with or XXXX XXXX which is listed as the original creditor.
Product: Mortgage

This complaint concerns gaps in communication between my loan officer XXXX XXXX of Royal United Mortgage I have been approved for a refinance of my property at XXXX XXXX XXXX and have complied with all the requirments in terms of submitting XXXX, etc. He does not return phone calls or e mails. I am in limbo so I am not sure if it is thumbs up or thumbs down. If it is now thumbs down I can quit wasting time and go to another lender
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and Ive noticed some late payments posted on my credit report. 

( Account- XXXX  XXXX XXXX XXXX Report # XXXX ) Your company is in clear violation of the law ; Under 15 USC 1681 ( b ) permissible purpose of consumer reports, The Law Clearly States : ( a ) In General : 1 ) -Subject in subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) -In accordance with the written instructions of the consumer to whom it relates Did I give you written instructions to furnish this account on my credit report?

Furthermore, The Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( A ) ( I ) exclusions from a consumer credit report clearly states : ( 2 ) Exclusions- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) Subject to section 1681 s 3 of this title, any- ( I ) Report containing information solely as to transactions or experience between the consumer and the person making the report Please DELETE the above late payments from my consumer credit report as this agency is in violation of 15 USC 1681 per The Fair Credit Reporting Act. 

Failure to respond satisfactorily with deletion of the above referenced account ( s ) late payments, and send out a free copy of my credit report after the changes have been made will result in legal actions being taken against your company, for which I will be seeking {$1000.00} per violation for : 1 ) Defamation of Character ( per se ) 2 ) Negligent Enablement of Identity Fraud 3 ) Fair Debt Collections Practice Act 15 USC 1692 ( G ) violations 4 ) Fair Credit Reporting Act 15 USC 1681, violations for willful noncompliance- 616. Civil liability for willful noncompliance ( 15 USC 1681 n ) Best Regards
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Synchrony Financial closed my PayPal MasterCard Rewards card without 45 days notice. They said that it was closed due to a returned check more than a month ago, but that was due to a typo when entering new bank account info. I have since made payments and was even approved for a credit line increase by the company. Called and spoke with customer service who said there was nothing they could do. This company is destroying my credit.
Product: Money transfer, virtual currency, or money service

I just started a business and need capital, but I'm not experienced with grants and the ones I found, I don't qualify for yet. Someone in a business XXXX XXXX said he helps get people grants. The account was a hacked account. He said he worked at XXXX, provided a fraudulent CPA license, and screenshots of other people who he had the grant approved for. I reached out and asked their experience with the " CPA '' and they said he got the job done. All the accounts that validated him were hacked and part of a network. He charged me an {$80.00} application fee via XXXX, and the next day I received some digital documents asking for a transfer fee of {$320.00}. At that point I was sure I had been scammed. I immediately moved all my money into my other Huntington account. It started on XXXX Friday, and by Saturday I spoke with the bank and they said not to worry and if it was a scam to call on Monday that they would refund me. I called on Monday, explained what happened and they said they would start a fraud dispute. The next week I received a letter stating in my own words that it was my fault for sending money to someone I didn't know. I have supporting documents of the whole situation but don't want to put it on a public post. Can send in private if requested.The scammer was an XXXX, because he slipped up and typed " XXXX  '' when explaining something about my account, which is translated to account in English. I also was in the middle of a manic episode, I've recently been diagnosed with a XXXX XXXX and my mental, emotional and cognitive functions have depleted due to this. Had I been in my right mind, I dont believe I wouldve fallen for the scam. Hopefully I get better after XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is a follow up to the dispute against ref # XXXX under which Chase responds to a complete different loan than the one in question. 
My inquiry on loan # XXXX is under XXXX XXXX XXXX XXXX XXXX XXXX - in which I am one of the shareholders. Since the loan documents indicates that all outstanding mortgages were pledged as collateral to loan for $ XXXX issued in 1996 by XXXX XXXX XXXX Co who was later acquired by your institution, and being that I am a direct party involved in a collateral I was not informed about, I need your confirmation as to whether my mortgage was one of the loans pledged against the above loan.
Product: Debt collection

Synchrony bank, Wal-Mart credit card.

When they upgraded my card, they changed the account. When my automatic bill pay sent the payments, they credited a " closed account '', while the " new account '' became delinquent. As I tried to buy a home at the end of 2017 .... I paid over {$1000.00} ( mostly late fees and interest ) just to close my escrow!

Now they came after me AGAIN for {$50.00} here and {$85.00} there ... .. I have complained, gone to escalations, have a stack of letters. I finally paid the small amount to shut them up, they credit the wrong account AGAIN .... and send me the $ $ back!!!! Now they are calling again. I have letters of them juggling between the 2 accounts. I get someone on the phone, and they try to help, just to get the check refunded to me over and over again!
Product: Bank account or service

I have a personal checking account and an auto loan through BMO Harris bank. I have an automatic debit set up for the XXXX of each month for the amount of XXXX to pay my auto loan. On XXXX/XXXX/2016 at XXXX XXXX XXXX was taken out of my personal checking account without my knowledge or consent. ( XXXX was pending ) Upon realizing this, I immediately contacted BMO. On my first phone call, the customer service representative informed me that it was a transfer to my auto loan, when I asked why the amount was significantly higher than it 's supposed to be she said " I do not know, let me look into it '' after being on hold for 35 minutes, the representative returned and informed me that she did not know why, and there was nothing they could do. At this point, I am livid. I then went into the branch and asked to speak with a banker, after an hour with the banker I STILL had no answers as to why so much money was taken out of my account. When I asked to have a stop-payment placed on the transfer, they said there was nothing they could do. So I called AGAIN. This time a gentleman helped me, listened to me and gave me some answers. BMO had taken and extra {$730.00} out of my personal checking, claiming I owed " late fees and other fees '' as a consumer, I was never informed of any late fees, in fact when I called BMO AND visited a branch, I was told that my balance on the loan was XXXX. When I asked to be credited back the XXXX, they told me no, that the transaction needed to post first, that it would be 1-2 business days before they could do anything. ( Now I 'm short XXXX on the first of the month ) keep in mind, no one knows why this is happening, they are also doing nothing to stop or correct it. When I asked for a credit for the amount, I was again told no. So this morning on XXXX/XXXX/2016 the payment posted to my account, after arguing my point to the representative she said she would " see what she could do '' about getting me my money back. Since they have returned only XXXX of the XXXX extra they took for no documented reason. There was NOTHING saying that I owed any late fees, and they did not have my permission to take the money, I should not be fighting to get it back. To me, they stole my money and would not tell me why or make it right. Absolutely no financial institution should operate in this manner and treat their customers as I was treated.
Product: Mortgage

We applied for HELOC on XX/XX/XXXX. We were prompt with submitting the documents, but kept getting asked the same exact question about the difference in my XXXX vs XXXX income over and over again with no explanation why they kept asking. I gave the same answer every time. I had to demand that someone tell me what the difference was that they had an issue with, and none of the phone reps that I spoke to could tell me. After months of back and forth, it turns out that the underwriters ( multiple at this point ) did not look at all of my documentation, as I had uploaded multiple w2s for XXXX  as soon as w2 was requested in the very beginning of the process back in XXXX. This caused a significant, months-long delay and our contractor estimate expired for the work this credit line was for. Of course since material costs have gone up significantly, my new estimate has almost doubled. 

Secondly, I spoke with a rep on the phone, who scheduled our closing. The day before our first scheduled closing, the account rep ( different person ) called to schedule our closing. I informed him that we already had it scheduled for the following day. He replied that it wasn't scheduled and we couldn't close because the underwriters needed 3 days of notice. Fine, I rescheduled again, and this time - the day before - I was sent a request for most recent paystubs. I had provided these on three different occasions the first times we were supposed to close.

All of the details are documented in my account portal with Santander, and I'm sure there are plenty of phone records. This has caused me financial loss, and has damaged my credit significantly. The credit authorization I provided in the beginning had expired, so they ran my credit again without authorization.

I also suffer from severe XXXX  and other related XXXX XXXX that I don't want to disclose here, and this experience has caused me undue suffering and has been overall detrimental to my XXXX.

I have attached email correspondence, but the majority of the information related is logged in Santander 's systems.
Product: Credit reporting or other personal consumer reports

In accordance with Section 602 ( a ) of the Fair Credit Reporting Act ( 15 USC 1681 ), it is emphasized that consumer reporting agencies, such as XXXX and Experian, must conduct their responsibilities with fairness, impartiality, and a sincere regard for the consumer 's right to privacy. As the consumer in question, I assert my right to ensure that my private information is not shared, supported by Section 6801 of 15 USC, which asserts that financial institutions have an ongoing obligation to respect customer privacy and safeguard nonpublic personal information.

It is crucial to note, as per Section 604 ( a ) ( 2 ) of 15 USC 1681, that any consumer reporting agency, including those aforementioned, is only permitted to furnish a consumer report in accordance with the explicit written instructions of the concerned consumer. In this instance, I have not provided consent, written or otherwise, for the furnishing of my information to credit agencies, as explicitly stated in Section 6802 ( b ) ( c ).

Moreover, Section 1681s2 ( a ) ( 1 ) ( A ) of 15 U.S. Code emphasizes that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX and Experian, by reporting adverse information without my permission, are in violation of the law outlined in Section 1681C ( a ) ( 5 ), which restricts consumer reporting agencies from including certain adverse information in reports without authorization.

Additionally, these agencies are required by 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations and limit the furnishing of consumer reports to specified purposes. It is evident that XXXX and Experian are not upholding these reasonable procedures. 

Furthermore, 12 CFR 1016.7 emphasizes the consumer 's right to opt out at any time. In exercising this right, I hereby declare my decision to opt out of the reporting services provided by XXXX, Experian, and any furnisher of information to credit agencies. Any consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

In conclusion, I urge strict adherence to the legal provisions outlined above and expect immediate cessation of any unauthorized reporting of my information to credit agencies.
Product: Debt collection

I used to bank with bank of America 15 years ago, someone must have got a hold to my personal information. Because I do not owe them only closed my account with them thats it. And im calling them to tell them and they are not sharing no information with me that is so crazy, thats why a lot of people are leaving them
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : DEPARTMENT OF LABOR XXXX Account Number : XXXX and list of Inquiries 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: Mortgage

I applied for a loan in XXXX and was set up with a HELOC, they called me in for questioning for what my first loan was and told me it was an illegal loan and set me up with another illegal HELOC loan and never told me my payments would double, I would have never agreed to that. Now my payments doubled and I can not pay the loan. I went from a {$1600.00} payment to {$3300.00} payment when I have been on a fixed income the entire time. My income has never changed. I feel like I was set up to fail. Now they tell me I can not refinance because of the terms of the loan. I feel like I have been taken advantage of. I was able to handle the {$1600.00} payments and still be able to maintain the land. I have been forced to pay about $ XXXX in interest because I could not refinance the loan.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Solar Mosaic currently has {$13000.00} loan out in my name for a solar project that was cancelled months ago. In XXXX of XXXX I began working with XXXX XXXX XXXX to install panels on my roof. The finance portion was handled through Mosaic. In XXXX of XXXX XXXX XXXX informed me I would need a new roof before panel install. The price became too high so the project was, or should have been, cancelled. 

In XXXX of XXXX my roof developed a serious leak. After finding a roof repair company I was told that I could not qualify for the cost of the loan to repair because I still had an active loan with Mosaic. I thought this was a mistake but after checking my credit report, I see that the loan is indeed active and {$260.00} have been paid towards it each month since XXXX! I do not understand how this is possible have money dispersed in my name and payments be made this long for a project that should have been cancelled 7 months ago. 

Still today Mosaic refuses to cancel the loan and continues to tell me the XXXX XXXX must first cancel the project before the loan can be cancelled. XXXX XXXX has provided a cancellation confirmation email ( below ) and number ( XXXX ), but Mosaic refuses still. Neither company will agree to have a three way call to figure this out so I am deeply concerned about possibility of fraud in this situation where I find myself stuck. 

*Cancellation Confirmation Email From XXXX XXXX* From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX at XXXX Subject : [ XXXX XXXX ] Re : Acknowledgment of Your Cancellation Request To : XXXX ( Hidden XXXX Your request ( XXXX ) has been updated. To add additional comments, reply to this email. 


XXXX XXXX XXXX XXXX XXXX XXXX Support ) XX/XX/XXXX, XXXX PST Hello XXXX XXXX This is XXXX XXXX XXXX XXXX. I want to update you on your project from our Accounts Specialist. Your project has been updated and cancellation has been confirmed. And we are in the process of getting the loan canceled as well. Please allow up to 14 business days for Mosaic to be notified of the cancellation.

If you have any questions or concerns you can respond to this email or use our live chat option at XXXX 

Thank you for choosing XXXX XXXX, have an awesome day!