23daVinci/CFPB_Complaints huggingface dataset:
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.
Product: Mortgage

Around XXXX, or XXXX of XXXX, my mortgage was sold from XXXX XXXX to Shellpoint Mortgage. I was ending the covid forebearance and I asked that the payments be put towards the end of the mortgage so I could get back on track paying it. I was sent a letter saying I had what's called a SPOC, which means Single point of contact. I thought it was great that one person was handling my problem. I had her fax, her name, 2 people in fact. I spent many hours trying to contact my " SPOC ''. I could never reach her. XX/XX/XXXX, I received a letter from Shellpoint, XX/XX/XXXX I called again XXXX @ XXXX am, nothing, can't get a hold of anyone. I left numerous voicemails or they could not direct me specifically to her. I was then given her " direct line '' XXXX X XXXX ( XX/XX/XXXX nothing ) .I called XXXX, the main line, they did't even know who this person was, but let me put you through her voicemail, nothing. I could never get a hold of her. In XX/XX/XXXX I send the pay stubs they asked for ( 5 faxed pgs ) nothing, didn't get it. XX/XX/XXXX again I sent 7 pages by fax ( forms that were requested ) at XXXX pm, nothing was received. XX/XX/XXXX, I again faxed her bank statements, nothing. I faxed them again XX/XX/XXXX ( fx XXXX ) nothing. I faxed more forms XX/XX/XXXX at XXXX am, nothing. I even faxed the SPOC to call me at my cell number, nothing. I was given 2 names of people to help me, still no resolution. I was then given a gentleman 's name still nothing. Since I hired a lawyer, I was told, anything Shellpoint sent, send it to the lawyers. The SPOC was XXXX XXXX, XXXX XXXX and finally XXXX XXXX I've actually spoken with XXXX who said he would like to help me. He called me on my way home this past Thursday XX/XX/XXXX at about XXXX pm EST at which point I asked that he call me Friday XX/XX/XXXX at XXXX am. He said that's perfect, I was off so we could talk. He never called. This is still pending. 
Try calling Shellpoint at XXXX, you won't get thru to them and they will tell you " oh, she/he is not in this building '' I'll send you to the voicemail. Nothing. 
I had 3 phone numbers, a fax number, again nothing.
Product: Mortgage

i send my docment in so you can see they ripe me off, i did know what i was sign so what can i do they want to collect on the termof the new loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a mortgage with XXXX XXXX. I contacted them directly to refinance my mortgage. I did not XXXX or use any social media to search for information. As soon as XXXX XXXX pulled my credit report, my husband and I both started receiving phone calls and text messages from random mortgage services/companies. Now XXXX XXXX wouldn't sell our info to other other mortgage companies because that would be their competition. The only thing I can assume is that XXXX, XXXX and Experian are allowing other entities to monitor my credit report and once someone pulls it, they're notified and know exactly what type of financing. I'm sure the 3 credit reporting agencies are also making money off of my private information. HOW IS THIS LEGAL??? My husband receives 10 plus phone calls every day since our credit report was pulled by XXXX XXXX. He receives the same amount of text messages. All from random companies and numbers. As soon as he blocks one number, they call with another number. I also am receiving calls and texts on my phone. It's a violation of our privacy and this practice needs to STOP!
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Contact- ( XXXX ) XXXX XXXX - 15 U.S.C. 1681a ) Restriction on sharing of medical information. 

Section 807 ( 11 ) FDCPA mini-Miranda. In an initial communication with a consumer, the collector has to disclose that he or she is attempting to collect a debt and that any information obtained will be used for that purpose. Later communications also have to disclose that theyre coming from debt collectors. 
FTC penalty {$1000.00} XXXX ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( XXXX ) ( B ) ( I ). Furnishing negative deragatory information. ( In my case false medical information. ) XXXX. Notice ; Knowledge. ( FCRA Penalty {$2500.00} ) Primary tabs ( a ) Subject to subsection ( f ), a person has " notice '' of a fact if the person : ( 1 ) has actual knowledge of it ; ( 2 ) has received a notice or notification of it; or ( XXXX ) from all the facts and circumstances known to the person at the time in question, has reason to know that it exists. 

Stat. 1-54 ( NC Defamation- Libel ) AR RESOURCES INC held liable for defamation and in the state of NC a creditor is who collects their on debt is considered a debt collector under FDCPA. 

Company failed to provide receipt of certified communication. I WAS covered by insurance. The hospital did not charge the insurance agency and instead charged me directly. I had no idea about this debt until it appeared on my credit report. The company AR Resources , Inc., NEVER contacted me notifying me of the debt. They also reported the date of first Delinquency is the day I was RECEIVING TREATMENT inside the hospital not 30 days late. I was never contacted by this company before I requested validation. I recently created an account with XXXX. Upon account creation I noticed a collection account ( XXXX ) to the tune of {$1700.00} was on my credit report for medical collections. AR Resources XXXX Inc ( FL ) is the agency reporting this information. Once I received the information behind the collection on the XXXX portal ; I began communications with the collection agency via a Debt Validation letter. The letter was mailed certified XX/XX/XXXX. I have received a response from the company XX/XX/XXXX. The contents of their database disclose Reason for service. Not only is that my PHI but the " XXXX '' is a complete lie. I was only at the hospital for XXXX XXXX. I was processed in and back out within the time period of 2 hours. After reading further into their findings they included a document from the Hospital ( XXXX XXXX of XXXX ). I never signed this document, received a copy from the hospital, nor signing this document. I was no incapacitated and was in a conscious state of mind. This document is signed via " Verbal Consent '' " Self '' and initialed " Verbal '' " Verbal. '' Not only was I not aware of this document but it also discloses my personal health information. I DID NOT SIGN/ AUTHORIZE this document. This is a clear violation and my personal health information was included along with extremely erroneous and false information. HIPPA Violation. Seeking possible litigation/claims. 

FTC Report - XXXX XXXX XXXX VIOLATION REPORT- XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested Method of Verification under FCRA 611 ( A ) ( 7 ) Trans Union failed to provide It in 15 days so I am demanding {$1000.00} as the FCRA requires. I sent my dispute via CFPB Complaint # XXXX on XX/XX/23 The dispute involved violating my right to privacy. 
Because I gave no one written permission or any consent to report this information on my consumer report. The Gramm -Leach -Billey Act states I as a federally protected consumer have a right to privacy. How can a financial institution Update/ verify information when they should not be reporting these accounts in the first place. 

1 ) XXXX XXXX- # XXXX. 
2 ) XXXX XXXX- # XXXX. 
3 ) XXXX XXXX XXXX - # XXXX. 
4 ) XXXX XXXX XXXX I submitted Method of Verification request via CFPB Complaint # XXXX on. XXXX/XXXX/XXXX. 
I did not receive the MOV in 15 days as required under the FCRA 611 ( A ) ( 7 ) and demand my {$1000.00} be mailed to me immediately.
Product: Student loan

I was consistently having a past due amount that did not exist on my loan. 
The money was coming out of my bank account and showing up on my payment history and they would say I am missing payments or owe a pass due amount. 
XXXX XXXX made Mohela give me a forbearance for three months until XXXX XXXX and apply the money I had paid for three months toward forgiveness. 
I was set to restart payment in XXXX. 
I paid for XXXX. 
It is still showing I have a past due amount and I am getting emails I didn't pay when it shows I did. 
It's so frustrating. 
It feels like I'm throwing money in the garbage. 
They are mishandling this and I am trying to repay my debt. 

XXXX XXXX XXXX
Product: Credit card

i applied for a business credit card with AMEX Business XX/XX/year> under my business email ; XXXX. 

I gave them my personal credit information for a credit transaction for a new credit line promotion they offered me. In exchange for the value I provided within the contract, I was denied and left damaged. 

I read the 6 page " Terms, Conditions & Disclosures '' they offered and in the first page AMEX has me certify that I agree to the terms disclosed within. I did accept. In the last sentence it states my personal and business credit score MAY be impacted by submitting the application. NOWHERE else in the 6page disclosure references anything else about my credit, or anything pertaining to getting approved or denied by credit reports. It states the information that is disclosed within the report is ONLY to be used to verify my identity.

Any Adverse Action AMEX did towards my application is purely discriminatory and no where written in the document I agreed and accepted their decision will be based on what is within my credit report. 

Regulation B listed in CFPB, Uniform Commercial Codes, Code of Federal Regulations have rules in place protecting consumers from issues like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE MY NAME LISTED WRONG AND A LOT OF PREVIOUS ADDRESSES THAT ARE NOT MINE ALSO MY DATE OF BIRTH IS WRONG, SEE XXXX XXXX
Product: Checking or savings account

I opened a IRA with Chase bank back in XXXX {$80000.00} retirement money was put in it. Have proof it was sent from my old job to IRA.. Received summary pages when asked about what happened to the money.. They closed acct XX/XX/XXXX because the last {$3000.00} was with drawn... I never got a XXXX of my savings. They said they can not go back that far to see who took my money from the bank..I never checked on money because it was in bank and I thought it was safe .... When I did go back and request money and info they said acct was closed. They only gave me some retirement plan summaries from XXXX, XXXX, XXXX... They said they could not tell me where the money was sent. I have always had checking with them and they can see that no payments were given to me. This is 40 years of my working towards retirement ... Never checked on the acct because of raising XXXX children and taking care of a sick husband. 
I am XXXX and XXXX  XXXX. We need this money to survive on..I want my money I worked so hard for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone, who I believe to be named " XXXX '' ( her name, bills and employment history were on my credit reports ) applied for both XXXX and XXXX XXXX XXXX in my name through XXXX XXXX on three different occassions. On XX/XX/XXXX and XX/XX/XXXX, two separate XXXX XXXX inquiries appear on my credit report. On the XX/XX/XXXX XXXX credit inquiry, a very extensive credit check was done including my checking account info through XXXX XXXX, a XXXX XXXX XXXX XXXX  through XXXX  along with a XXXX XXXX XXXX  search which brought up a piece of real estate I own. On XX/XX/XXXX, a credit inquiry for XXXX XXXX also appears on my credit report. I have tried several times to have these three fraudulent application inquiries removed from the big three credit bureaus as they are not mine. All disputes have come back as verified. I was told to call XXXX Bank by XXXX of the bureas which I did XXXX, XXXX. After speaking to XXXX in the fraud department, I was made aware there were 2 XXXX applications performed on the XX/XX/XXXX inquiry date, 1 application approved for a prepaid card and the other was denied. She said she would immediately cancel the open prepaid account and then transferred me to XXXX XXXX XXXX '' in the underwriting ( I believe ) department. After spending almost 2 hours on the phone with XXXX Bank, XXXX gave me a separate claim number for all 4 credit inquiries as well as a single claim number for the 4 total. He told me it would take 60 days for the inquiries and supplemental information to be removed from my credit reports. This information still remains. I have received two separate letters from XXXX Bank stating the fraudulently opened prepaid XXXX card had been closed. I have since disputed these inquiries with the credit bureaus and they still come back as verified. Since the three Synchrony XXXX and XXXX inquiries remain on my credit reports, I called XXXX Bank again on XX/XX/XXXX. I didn't get the woman 's name but was told I would need to give them another 60 days for removal of the fraudulent inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them a debt validation letter and their response was not an adequate validation of the debt. 
I have tried to upload the many documents I have including the certified mail tracking. It will not let me upload. Please contact me to get these documents for your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO YOU SHARING MY PRIVATE INFORMATION WITH THIRD PARTIES, INCLUDING BUT NOT LIMITED TO, CREDIT REPORTING AGENCIES AND OTHER COMPANIES. I DO NOT HAVE BUSINESS WITH THOSE COMPANIES AND I DO NOT CONSENT.
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 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 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX in the amount {$430.00} last reported on XX/XX/2022, has violated my rights. 
15 USC 1681 section 692 A - states I have the right to privacy.

15 USC 1681 section 604 A - states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership to cosign a car at XXXX XXXX XXXX XXXX dealership, and the salesperson told me that they were only going to allow XXXX XXXX to pull my credit report. However, they ran multiple hard credit inquiries on my credit report with the companies listed below. 
I want all the below inquiries deleted from my credit report. 

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

This issue is in regards to my Chase Bank Credit cards. I have two of them and am having the same issue with both. I have been sending in payments to Chase Bank for the past YEAR, and they have failed to properly apply my payments to the accounts to settle the balance and are knowingly and negligently ignoring my payments while wrongfully reporting to the credit reporting agencies of high balances that should not be since I have submitted payments in full via the payment coupons ( bill of exchange ), that they LIE about stating that they are not a valid form of payment in USD. Each correspondence I have from them after disputing with them back and forth for several months going back and forth with Chase Bank they have always referred to their Cardmember Agreement ( CMA ). Their CMA does not supersede federal law. Furthermore, being that they have access to my social security number, they have a fiduciary obligation unto me as the trustee of these accounts, and myself as the beneficiary. However, there has been a breach of contract because they have been acting in the capacity that only I can act in as I am the one that extended MY credit to establish these accounts. I have done everything that I possibly can as far as sending letters and payments via certified mail as proof. I have sent in power of attorney forms to take ownership over the accounts and they still ignored that. Every payment that I have sent in to Chase bank has been completely ignored but they have kept every single instrument ( never once sent any of them back ), but never applied any of those payments. I am owed equal value and consideration for every single one of those payments as they are bills of exchange that can be converted into the equal dollar amount on them pursuant to the bill of exchange act. Chase Bank needs to be audited for their fraudulent and deceptive business practices and the way they deceive innocent consumers.
Product: Credit reporting

I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. These accounts were opened as a result of this identity theft. Later I also suffered a hack due to Experian and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response. I am disputing these accounts due to identity theft : XXXX XXXX BANK XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payments {$0.00} XXXX Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$460.00} XXXX BANK Credit Card XXXX XXXX, XXXX Closed XXXX Missed Payments {$670.00} XXXX DEPARTMENT OF XXXX XXXX XXXX XXXX, XXXX Closed XXXX Missed Payment {$7300.00} XXXX XXXX XXXX Student XXXX XXXX, XXXX Closed XXXX Missed Payments {$820.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$360.00} XXXX XXXX XXXX XXXX XXXX, XXXX Open {$1000.00} XXXX XXXX XXXX, XXXX Open {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Open {$5600.00}
Product: Debt collection

Navient has called my brother, parents, and brother-n-law harassing them about my debt that is owed. I 've asked them repeatedly to not contact my family as this is an embarrassing subject. They call and harass me saying they will take legal action and that I need a lawyer.
Product: Credit card or prepaid card

This was XXXX I tried using my XXXX card and found out it was locked up so called bank of america XXXX and they just kept passing me from one person to the next and so I tried again today and now they phones anit working I find it stupid of them
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to Equifax a credit card account that does not belong to me. The partial account number is XXXX. The credit card account status shows Lost or Stolen Card. ( Please see pages 4 and 5 of the attached credit report. ) I have contacted the XXXX and have requested that they remove this account. This incorrect reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

These are the accounts I marked as inaccurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX account
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Balance : XXXX
Product: Credit reporting or other personal consumer reports

EXPERIAN On XX/XX/XXXX I sent a letter to Experian stating that I was a victim in an elaborate XXXX XXXX  scheme. I also listed the accounts and addresses associated with that experience. They did nothing at all as if I never sent the letters at all. Please follow the laws and delete the information below. Thanks in advance. 



XX/XX/XXXX RE : XXXX  Block Request Account # XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken upon this letter. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosures : Proof of identity- License, SS card 1- XXXX  documentation 2. Self-attestation paperwork
Product: Debt collection

The agent failed to identify themselves as a debt collecter, and would not provide contact information about the company. They gave me the run around and would not supply me the name of the company, nor a contact phone number. 

After speaking in circles the agent, XXXX XXXX, let it slip that they worked for Allied Interstate, LLc. 

The phone call took place XXXX CST and lasted 13 min and 39 seconds before the agent hung up on me.