23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

4

medical collections from Commonwealth financial systems? Who are they? why i wasn't notified or informed prior of embedded them into my credit profile? {$120.00}, {$110.00}, {$230.00}, and {$150.00}????? Th ese are violations of my consumer and HIPPA/medical rights!!! - Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows Name : This is my legal name : XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. My address should read XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Checking or savings account

I had a business checking account with Bank Of America for 18 years and was never late or never missed a payment. They sent me a letter saying they were going to close my account with 30 days notice. I tried to get an extension to give me time to get another bank account open and they said nothing they could do. They really pulled the rug out from under me as i had a XXXX last week that left me unable to leave my house for about 1 week and i explained that to them, but they didnt care.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2020 XXXX Absolute Resolutions Investments , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : XXXX XXXX Account : XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Balance Information To : XXXX Absolute Resolutions Investments , LLC This letter dated XXXX day XX/XX/2020 is advising XXXX & Absolute Resolutions Investments , LLC, I am seeking balance information of an Account XXXX & Absolute Resolutions Investments , LLC is showing on file. Please be advised that per my records Account # XXXX & Absolute Resolutions Investments , LLC A # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX should have a balance of {$0.00}. Pursuant to the Federal Fair Debt Collection Practices Act, you are hereby notified by XXXX XXXX to provide that information and make correction to your files. You are advised to send proof by us mail within 7 business days update with correct information with the above-referenced by XXXX & Absolute Resolutions Investments , LLC and updated credit reporting account paid in full. 

In the event that you fail to honor my request could subject your company to liability under Federal law. 

Please be advised on XXXX day of XX/XX/2020 has been given written corresponds to make correct changes per above Thank you for your attention regarding this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX : # XXXX, 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 XXXXXXXX has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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.

I did not grant permission for any of these accounts to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was reported wrong, I had permission to move 1 month early for me to take my wife to a doctor in XXXX that was familiar with a XXXX called XXXX XXXX XXXX XXXX. This should had never been on my credit report. No doctor in XXXX XXXX had heard of it This move was to save the life of my wife.
Product: Mortgage

To whom it may concern : on XXXX XXXX we refinanced our house with new penn financial, shellpoint became the mortgage servicing, on XXXX XXXX they claimed they paid {$7000.00} on XXXX insurance, why? I do not know they have not given an answer. Our insurance premium is about {$150.00} a month, we had only been 12 months with this company there is no way we owe that amount. Our escrow got short now our payment went up {$500.00}, since we only pay whatever we agreed, we keep receiving letters of default and we are loosing our house. I have been fighting this company for seven months calling them every week in up to today I have not got a decent answer. We have never missed a single payment, this is very extresful situation and obviously they do n't care on fixing this problem. Thank you for your time I hope I can get some kind of help resolving this matter.
Product: Credit card or prepaid card

In XX/XX/2022 I discovered a {$520.00} charge on Best Buy account. I disputed charge so they sent a new card and removed charge. On XX/XX/2022, charge was put back on account because they said investigation proved I was responsible for buying an XXXX from XXXX. I disputed {$520.00} again with a certified packet which included a letter from me, a police report, and a letter from my legal team, Of Counsel, XXXX XXXX with XXXX XXXX XXXX XXXX of XXXX XXXX Texas. In this packet, I asked them to send information proving I gave permission for another party to use my Best Buy credit card. I have not gotten a written response yet. I called them XX/XX/2022 to follow up. They say just had received my letter and they will get back with me. I wrote another letter on XXXX and no response. Charge is still on my bill. I need help to have removed because I did not make this purchase of {$520.00}.
Product: Credit card or prepaid card

I used to have a bluebird by American Express prepaid debit card with this company under my married name. I recently got my divorce finalized and went back to my maiden name and instead of changing my last name. I choose to close my accounts and reopen them in my maiden name last name just in case they were linked to anything else. Just to save myself the headache. I even wanted a little bit before trying to open account under my maiden name to give the system time to close them and clear them. At this point I was still being denied. I spoke with customer support to find out why and the gentlemens never gave me a reason. But I never recieve a reason by mail why I was denied/not approved. If they need me to verify my name change I can provide that but they cant give me a number or email to contact to see how to get this issue resolved. I spoke to a department manager on XXXX and she couldnt give me answers just keeps telling me to register the card which the system wont allow me to do. I spoke to an employee about a week ago who told me I could get a card from XXXX and register it that way, which I did on XXXX and its still wont allow me online access. So now I have a card that I cant get my money off of.
Product: Mortgage

I have purchased my home 2 years ago. Since then the assessed value of my home has increased. My tax assessed value has increased by 30 % and other houses in my neighborhood are reflecting that increase. I contacted Wells Fargo ( owner of my mortgage ) to have them assess the property value so that I can remove my mortgage insurance. They told me that I would have to pay over {$300.00} for the appraiser so assess my home. They also said that the appraiser would not take market value into account. The appraiser would only be looking for structural modifications. Wells Fargo owns the appraisal company. There is a conflict of interest that negatively affects consumers like myself. The appraisal company and Wells Fargo are in collusion to artificially suppress appraised property values as confirmed to me by the Wells Fargo representative. A fair and proper appraisal must take market value into account.
Product: Money transfer, virtual currency, or money service

need to Reverse every single transfer that's happening.. I believe they been doin it for the last few years now charges feeds just to empty out a bank account. There stealing my money using using company and there fraud department verify my identity using a look a like or someone with my SSN.

Verify my face to my name SSN and dob and stop any type of active. And put all that money back. My FORMER EMPLOYER ADVANCE CALL CENTER TECHNOLOGY MUST HAVE STOLEN MY IDENTITY WHILE I WORKED THERE. ITS A DATA BREACH. THEY MAN WILL LIE TO YOU. I PROMISE IM THE NINTH PERSON HES DONE XXXX THIS. HES NOT TO VE TRUSTED OK. HE GON NA BE A SUPERVISOR UP AT THAT CALL CENTER IN TGWRE FRAUD DEPARTMENT. STOP ANYTHING YALL SEE IN MY EMAIL ADDRESS OR NAME OR SSN OK. 
XXXX XXXX XXXX ETC .... ANY KF THAT IS MINE KK HERE MY PROFF .....
Product: Credit reporting or other personal consumer reports

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V GRAVENS XXXX XXXX XXXX XXXX XXXX XXXX XXXX I MAY PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT IN FACT EXISTS
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit reporting agencies have had old and outdate information as well as debts that do not belong to me, and old alias names that I have never used and public record information that is over XXXX XXXX XXXX and outdated. I have tried for many years to resolve the outdated information on my credit reports to no avail or resolution. I have also been breached by XXXX credit reporting of leaking my credit file and they have never resolve this as well. I tried to have them resolve it and they ignored my request. I was part of the XXXX breach. And they have taken no responsibility to clear my credit report. I have disputed items on the credit report and they have ignored the request. The credit reporting agencies have received no solid evidence as to my signatures on credit inquires as well because of the breach my credit file has been through. I have been severely damaged because of old and outdated information on the three credit agencies. Also I wanted to mention XXXX XXXX, they have inflicted dame on me as well. They have put a fraud alert on my credit report and I am not able to get passed that. They also have ruined my credit report. The credit reporting agencies are Experian, XXXX and XXXX. Also I have only been able to receive on report over the past five years, from my free reports and that is from Experian. They will not provide any other credit reports. I have been breached and they have ruined my credit. They do nothing to address what they have done to my credit. And they have received no legal signatures of credit inquires from the business that have been reporting it to the credit agencies. Also there is out dated information of my previous address names phone numbers, location and names that have never been used. Also there are alleged debts that are not mine at all. And they have not verified with written documentation of my legal signature of the debts. I need this to be resolved and they do nothing. And just by asking them to take care of this dose not resolve the problem. I need someone to follow up on all my credit reports to have them check from the consumer financial protection bureau that the dispute and complaint has been resolved. I have put in complaints here in the past and nothing has been resolved. Trusting that the credit agencies will do anything will produce nothing. There has to be enforcement and follow up. And if can not do this, then please tell me how to have this addressed. I will work with you in anything that you need. But there must be follow up on your agency to enforce what they have to do to resolve the issue. All I am asking is that you enforce and regulate these credit agencies as requested. But if you are not able to do this, then just please tell me where I am able to go to resolve this. Thank you very much.
Product: Debt collection

I was contacted on XX/XX/18 by a Ms. XXXX XXXX. She stated that she works for Integrated Mediation Solutions. She stated that I owed XXXX to a XXXX XXXX, and they would be filing a wage garnishment as soon as possible if it was not paid. She was very forceful and began yelling at me about making the payment. I told her I would need to contact an attorney and she stated they would not be able to help me.
Product: Checking or savings account

I am currently unable to add any of my First Technology Federal Credit Union ( further below, XXXX XXXX XXXX  ) debit or credit cards to my XXXX XXXX. Immediately after accepting XXXX XXXX  XXXX, I get an error message : " Card Not Added Contact your card issuer for more information. '' Those XXXX XXXX XXXX XXXX  credit cards that I have previously added to my XXXX XXXX continue to work fine. However, if removed, they will no longer be able to be added back to my XXXX XXXX, as I have tested on XXXX different devices - my XXXX iPhones in use and a spare XXXX - and could not add any of my XXXX XXXX XXXX  debit cards to any of these XXXX different devices, nor my XXXX XXXX XXXX  credit cards to the third ( spare ) device. 

I have spoken with XXXX XXXX XXXX, only to be told to contact XXXX XXXX. I have spoken with XXXX XXXX, only to be told to contact XXXX XXXX XXXX. XXXX XXXX also has requested that I ask XXXX XXXX Fed to escalate this issue to their XXXX ( Payment Network Operator ), and I have communicated this request to XXXX XXXX XXXX, yet to no avail. The issue still stands. 

I am currently able to add most of my other financial instatution cards- multiple XXXX  and XXXX  an XXXX card, and a XXXX card - to my XXXX XXXX without any issues. However, for the life of me, I can not add any new XXXX XXXX XXXX  cards to my XXXX XXXX.
Product: Checking or savings account

I received two letters stating that there was an account with insufficient funds and was under my name this account is not mine. I call TD bank fraud department they will send me a letter via mail with their results
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection from XXXX XXXX XXXX a total of XXXX times to Experian Credit Bureau stating this account does not belong to me. My 4th dispute sent via certified mail, Experian received it on XX/XX/XXXX at XXXX. On XX/XX/XXXX at XXXX Experian notified me via email that my dispute was open. On XX/XX/XXXX at XXXX, just a few hours later I received an email stating my dispute results were ready to view. I reviewed my credit and my score dropped even more. XXXX XXXX XXXX reported to Experian the beginning balance was {$8500.00} to {$8300.00} in the month of XXXX as if a payment had been made to them which is absolutely absurd. I have never made a payment to this company nor ever had an account with this company. There is not an inquiry on my credit report to support XXXX XXXX XXXX accusations. I submitted my credit report to show proof from other bureaus that my credit worthiness is outstanding and that there are no collections, {$0.00} balances on every account that I pay in full monthly and never late on my report. This collection has hurt my score tremendously. Experian has failed me as a consumer. There absolutely was no investigation and Experian Credit Bureau never verified this dispute that was submitted over 90 days ago. My dispute letters to Experian are as follows : XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX... XX/XX/XXXX. Experian has 30-45 to verify but yet my disputes were closed in less than 30 days. No investigation nor verification by Experian Credit Bureau.
Product: Checking or savings account

I open a bank account by myself in XXXX XXXX when opening the account I saw that said if you received direct deposit within 90 days of opening the account in the amount of {$2000.00} dollars we will give you {$300.00} dollars bonus to your account, but the reason they gave me is because I have a joint account with my wife but for that account is her, my name is on the account just for a legal matter but it's her not mine and beside she did not care about the {$300.00} dollars because she never applied the code, but in my case I did applied the code in XXXX and that offer still valid until XXXX XXXX but XXXX  said we will not give you the XXXX dollars bonus because we take into consideration the joint account with your wife but that's her account not mine. 

But bank of America don't want to honor what's advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsFirst American Real Estate Solutions, LLC ( " FARES '' ) has agreed to settle Federal Trade Commission charges that First American CREDCO ( " CREDCO '' ), now a division of FARES, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by CREDCO. FARES is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California. 
FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.
Product: Mortgage

Freedom Mortgage performed illegal modification stating from multiple staff ex husband would be removed from loan due to extreme circumstance of ex husband XXXX XXXX veteran. I currently have a XXXX XXXX XXXX XXXX  against him after he attempted to XXXX XXXX and then himself in XXXX XXXX. Freedom mortgage changed my APR % from 3.25 % to 4.75 % and now pay $ XXXX a month to get his name off. Modification never included ex husbands signature as he is the XXXX  on the loan. Rate changed and then told me ex husband will NEVER be removed. I complained all the way up to the VP of Customer Service at Freedom Mortgage and was told they would only match the unaffordable 4.75 % and nothing lower for everything they have put me through. Freedom mortgage even attempted to cover there illegal modification by contacting my ex husband stating they needed his signature since they never had it in the first place to do the modification. Unacceptable as a XXXX  XXXX of XXXX trying to make it after such a horrific incident. Freedom mortgage is trying to take advantage of this circumstance by not only charging a horrendous interest rate but forcing me into foreclosure because of it to inevitably foreclose on it. I truly wonder how many low income people this company has taken advantage of through the loss Mitigation unit where they do these modifications based on not being able to afford your mortgage.
Product: Mortgage

I have had a very difficult time with Select Portfolio Servicing ( SPS ). I recently was unemployed for about 6 months. I am back to work and applied for a modification. I was never able to communicate to the same person which always caused confusion. SPS always seemed to lose my paperwork, which I constantly had to re-fax. After about 6 weeks, I was declined for a modification. SPS told me they would not allow me to do a modification. And the investor said the same thing. I have NEVER had a modification and this is the first time I have had any problems with making my mortgage payment. I can not believe that SPS is not willing to help a homeowner who is over the hardship. How can I be denied for a modification, when I have never had one?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XX/XX/XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose