23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C 1681 states that CRAs are required to report only accurate credit reports and exercise the consumer 's right to privacy. 15 U.S.C 1681 subsection ( A ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

These consumer reporting agencies are in violation, of which, 15 U.S.C. 1692g ( a ) - Notice of Debt { Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing }. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

They also violate my HIPAA Privacy as they failed to protect my medical records and other personal health information.

I contacted them multiple times but I never received any response yet, which violated my rights on 15 U.S.C 1681N and 1681O for their willful and negligent non-compliance.
Product: Debt collection

XXXX After receiving calls from my sister, mother, father, wife stating someone from " SRS '' was trying to find me, called the number of XXXX. Got hung up on the first time, then I called back. They had contacted my mother alone, 3 times! 

Finally got out of the rep the company is Spire Recovery Solutions and they are wanting me to settle an account XXXX XXXX ) for {$930.00} which I stated I was not familiar with. 

I advised them I need to validate the debt, and to desist communicating with anyone but me on this account. I confirmed they have my contact info, but they would not confirm they would not call others regarding this matter. I also sent them an email asking them to not contact anyone else. 

Spire 's contact info : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX More hours Phone : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc 1681 section 602 states i have the right to privacy 15 usc 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction 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 reason
Product: Checking or savings account

On XX/XX/XXXX, I received an email notification that my SSN was used to open a bank account at Capital One. I immediately contacted Capital One, after I confirmed with XXXX that my credit was indeed locked and inquiries are frozen and can not be obtain, and learned that indeed someone at capital One opened an account under my name and SSN. 

When inquired about what type of account, how and what information was used to verify and authenticate the person that performed such task, I was that information can not be provided and I should contact the credit bureaus. 

I am deeply concerned about capital ones efforts and processes that led to such account opening under my information.
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights . Or 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 have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. 
I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a collection account on my credit report by the name of DIVERSIFIED CONSULTANTS showing a past due charge for {$1100.00}. After researching it a bit, I found that this name is associated by many other people to fraudulent charges for phone lines they never had or had already paid off and/or closed. It's stated as opened on XX/XX/2015 and is apparently related to a XXXX account, a phone service neither me or any of my immediate family has used recently or at any point to my knowledge. It came to my attention recently because, believing I had no credit at all, I applied for a savings account with XXXX XXXX XXXX and was made aware of the charge.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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 and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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 nonpublic personal information. '' JPMCB, XXXX XXXX, XXXX, XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 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. '' JPMCB, XXXX XXXX, XXXX, XXXX XXXX  is a financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, JPMCB, XXXX XXXX, XXXX, XXXX XXXX  whether 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 that nondisclosure option. '' JPMCB, XXXX XXXX, XXXX, XXXX XXXX  never informed 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 U.S. Code 1681e 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 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.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I have the chase slate card and have been trying to close it for several months but they keep adding interest charges, balance transfer fees, late payment fees. I feel so ripped off and helpless. I missed a few payment dates and it was my fault I forgot and paid the interest. I think they even waived them. My balance was around XXXX. I made a smaller payment and then a larger payment so I could get the balance to XXXX and close the account. That never happens. I keep making payments and they keep charging me, and its to the point where its back up to over {$600.00}. I Have not used this card in over a year. Ive called several times and never get help. I am transferred from person to person to then say theyll do this and that and get back to me. They never get back to me, or if they do and say there going to fix the problem it never happens. Then the process starts over by calling and transferring. Its not right that they can do this, and I am not looking to get something for nothing. I make good money and am responsible with my finances but this card has so many hidden fees its impossible to get away from it.
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Debt collection

I paid payment in full to one collection agency, XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. Then, a year later I get dunned for the same debt by another collection agency : ERC, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 

I called both agencies, plus the original debt holder, XXXX XXXX. XXXX XXXX sent me all related receipts indicating payment in full, but ERC and XXXX do n't appear motived enough to look at my paid receipts. 

I have attempted to clear this matter up on my own, but it seems not to be working. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Never informed 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( 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 U.S. Code 1681e 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. Transunion and Equifax 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. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' Equifax and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which 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 nonpublic personal information. Mastercard is a financial institution by definition under that title. 15 USC 1681 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 the financial institution and the Consumer reporting agencies XXXX and Equifax do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax and XXXX whether 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 that nondisclosure option. Per the FCRA as a federally protected consumer, I am now opting out of all and security interests and all authorization I the consumer may have given you written unwritten verbal and non verbal, Per 15 USC 6802.
Product: Credit reporting or other personal consumer reports

i did not open these account a asp that under section 605b FCRA for these negative items be removed immediately under FCRA 605 B
Product: Credit card

this started few weeks ago when i tried applying for a credit card online due to not being the state but i get denied each time i try to apply.
Product: Debt collection

Regarding my account with XXXX XXXX. 

I never receive any email or mailing notification about the remaining balance or past due after I canceled the service. I was on auto-payment and their system did not process the full amount. I never got any text messages, email, or physical mailing regarding this past-due or remainder payment notice. I just checked the statements on the account and they took out a partial monthly service amount. I assumed the payment was paid in full with autopayment when I canceled the service. I am upset that this went straight to collection without any form of contact. I have no problem paying the amount but the way XXXX conducts cancellations like this is very unprofessional and having it affect my credit rating is outrageous.
Product: Debt collection

Kubota Credit Corporation has reported XXXX big accounts on my credit report as a charge-off and has been aggressively attempting to collect debt on the accounts that do NOT belong to me and failed to provide any supporting documentation... This year I received a summons for the XXXX loans Kubota was trying to collect from me, when I contacted the number on the summons, I was told it was NOT my account and that they have made a mistake, so I did NOT need to respond to this lawsuit .... However, they are still reporting XXXX negative accounts on my credit ... and attempting to collect debt. This is never-ending... 
My numerous attempts to resolve this with Kubota went ignored... With some legal help I finally received a copy of the contract ( XXXX ) from Kubota which date XX/XX/17, XX/XX/17 and XX/XX/17 and XXXX ) do NOT contain my signature, XXXX ) do NOT provide social security, XXXX ) have address for " XXXX XXXX '' as XXXX XXXX XXXX never resided at this address and not familiar with it, XXXX ) no proof of payment provided and XXXX ) no proof of identification provided to support their claim that they have the right person on these accounts .... These are NOT my accounts...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S.C. 1681 et seq. for unlawfully obtaining my Equifax consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA. See 15 U.S.C. 1681b. Specifically, the FCRA provides, A person shall not use or obtain a consumer report for any purpose unless -- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section : and ( 2 ) the purpose is certified in accordance with section 1681e of this title by prospective user of the report through a general or specific certification. 15 U.S.C. 
1681b ( f ). Chester vs Purvis, 260 F. Supp. 2d711 ( S.D. Ind 2003 ). 
I have not initiated any transaction with XXXX XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX, XXXX acct # XXXX and XXXX XXXX XXXX acct # XXXX have violated my rights. 

In 15 U.S.C 1681 Section 602 A it states : I have the right to privacy.

In 15 U.S.C 1681 Section 604A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

In an attempt to resolve a collection against me, I called the collection agency on XX/XX/23. The man I spoke with collected information from me such as monthly bills, and income. My expenditures exceed my income and he repeatedly asked me why and how I survive with XXXX children in a very demeaning tone. He also twisted my words around multiple times and tried to made it seem like I had agreed to an amount to pay monthly and when I corrected him he said my phone was breaking up, but this happened three times. He went back to focusing on my expenditures exceeding my income and again implied that I was lying because I have XXXX kids I must provide for on a single income and he doesnt know how I make it. It made me feel very vulnerable and disrespected when he repeatedly asked how I care for my children. I feel this is very unprofessional and intrusive. I feel that he was not willing to coordinate a fair payment plan or resolution.
Product: Debt collection

There was a balance owed on my utility bill. The bill was sent to a collection agency named XXXX credit. The bill was taken care of by the original creditor ( utility company XXXX XXXX. but the creditor still remains on my account for {$610.00}. and has not been removed. the bill is caught up with the utility company. also i have not been contacted nor can i find an agency called torres credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Please kindly immediately delete and eradicate these accounts from my XXXX XXXX and XXXX XXXX  Attached is the proof I owe XXXX $ already everything is settled for good but I dont know why this information still appears. This is immensely frustrating so kindly have a look immediately and solve this on priority.