23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On or about  XXXX   XXXX ,    2017, I recei ved a letter from AcctCorp of Southern Nevada regarding a collection of alleged medical debt. On  XXXX   XXXX ,  2017, I se nt a letter certified mail to AcctCorp of Southern Nevada requesting the following : - Breakdown of any and fees including any collection costs and medical charges.   - Copies of any and all  XXXX   XXXX   XXXX   XXXX  bills, documents and correspondence in your possession.   - Copy of my signed contract with  XXXX   XXXX   XXXX   XXXX  authorizing release my medical information to ACCTCORP.   - Copy of any and all contracts between ACCTCORP and  XXXX   XXXX   XXXX   XXXX  as set forth in, but not limited to, T itle 45, 164.502 ( e ) and 164.504 ( e ) of t he Code of Federal Regulations. - Cease any credit bureau reporting until the debt has been validated by me.   AcctCorp of Southern Nevada failed to provide the information I requested as per the Fair Debt Collection Practices Act, and Tit  les 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations.
In addition AcctCorp is in violation of HIPPA and my privacy has been violated according to 45 CFR 160.103 as AcctCorp is in possession    of my private medical records and history without my express written consent.   AcctCorp of Southern Nevada is also in violation of the FDCPA ; having posted the alleged debt on my credit report prior to responding to the requests made in my letter to them, dated  XXXX   XXXX ,    2017. A copy  of the letter is attached.
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 : 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: Credit reporting or other personal consumer reports

I am submitting my 12th complaint to ensure that the following items have been taken off my credit report, in accordance with the FCRA section 605b. Credit Reporting Agencies are obligated to remove any items that have been listed on my identity theft report # XXXX. I plan to review my credit reports again within the next 15 days, and I am hopeful that these items will no longer be present : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXXXXXX XXXX XXXX Balance : {$870.00} XXXX XXXXXXXX Balance : {$2800.00} EQUIFAX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX  XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX : XXXX XXXX XXXX XXXX : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I'm a victim of the XXXXData Breach, my personal information has been compromised, leading to several fraudulent accounts and inquiries which include 28 critical findings tied to my identity within the breach. In addition, I'm also exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1581 et seq., the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S, C, 5536 ( a ) ( lXa ) - ( b ), 5564, and 5565, and my right to privacy as specified under 15 U.S.C. 1681 ( aX1 ) - ( 4 ). I have reason to believe that my credit file has been subjected to improper investiqations or reporting practices, which have led to inaccurate reporting of my information. Furthermore, I believe TRANSUNION handling of my credit file may violate my privacy rights as guaranteed under the FCRA. As I've requested TRANSUNION 'S method of verification several times back in XXXX XX/XX/XXXX, and as late as XXXX of XXXX
Product: Payday loan, title loan, or personal loan

I received notification that the company Genworth which is ( was ) my life insurance company and is named in this complaint was having problems paying out their claims upon claims and suggested that I go elsewhere for my insurance needs. Mind you I have had insurance with this company for the better part of 20 years without issue.

I attempted to call them to speak to them about the info that I received in addition to things I have found out in my research and on their own website. Turns out all social media was reflecting the same information and even on Genworth 's website stated, " due to the claims that have been paid out in the past years they were no longer offering life insurance and could no longer meet their obligations of paying claims. Clearly stating that " if you have life insurance with Genworth you are to go elsewhere for your life policy needs ''. 

At that moment I then decided to cancel my policy upon their instructions. It is NO FAULT of mine that they are unable to handle accounts and pay out claims. At which time since I am being forced to cancel and go elsewhere, I requested a full refund for all of my premiums since I started over 20 years ago. 

I then receive a letter from a senior resolution specialist, XXXX XXXX, which I have attached the letter, that stated since I canceled my policy they would NOT be able to refund my premiums. 

THEY ARE THE ONES GIVING INFO OUT FOR ALL CUSTOMERS TO GO ELSEWHERE AS THEY CAN NOT PAY CLAIMS. I had no intentions of going anywhere until they stated that they are having funding problems and are not able to pay out claims due to their inability to handle business in an ethical manner. So their take is, " due to our bad accounting practices we ask that you go elsewhere for your life insurance needs and oh, by the way, we are keeping the premium payments that you have paid faithfully for the last 20 plus years. REALLY???? Is this even legal? 

I will also be making a claim with the FTC, the XXXX  and the State, and local authorities. This is clearly unconstitutional. If you are no longer able to provide a service to a long time customer and request them to go elsewhere due to your " Genworth 's '' bad business and accounting practices then at least give the customers their premiums back that they paid in faithfully without fail. I pay on a policy for over 20 years and then told to go elsewhere and you get to make the call to keep my money??
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX on XX/XX/2018 saying that someone had tried to open a credit card in my name in a different state. Afterwards I checked my credit report on TransUnion and saw that someone tried to open a XXXX account using my information. I called TransUnion who said they can't do anything until I contacted XXXX. I contacted XXXX who said that no account was opened and must have been stopped. However I needed to contact the CFPB in order for TransUnion to take the XXXX inquiry off my credit report. So I am submitting a claim hoping to get the inquiry taken off my credit report.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union is furnishing inaccurate information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Navy Federal charged off the account for which they recieved a tax break and did not SEND ME MY FORM 1099-C they should have sent it when they Filled the account as a canceled debt. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which makes the reporting of the account inaccurate! By Definition, The IRS Clearly says a Cancelled debt or Charge-off is Income. The reporting of this account as a debt is inaccurate. 
Not only did they do such an act, but they also sold the charged-off account to a third-party collection agency which is now harassing me to pay a debt that I do not owe them. All of this constitutes tax fraud and I will file a 3949A form with the IRS IMMEDIATELY. 

I requested original documents and procedures from XXXX, XXXX, and XXXX because they keep updating the information when disputed as verified and they did NOT provide me a copy of ANY original documentation required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under 15 USC1681i ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

As a consumer, my rights have been violated entirely, these organizations will fully and fraudulently withheld pertinent information to suit their agenda.
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. '' XXXX XXXX XXXX XXXX, XXXX XXXX and Mountain America Credit Union are 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 XXXX XXXX XXXX, XXXX XXXX and Mountain America Credit Union, the financial institutions 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, XXXX XXXX XXXX XXXX, XXXX XXXX and Mountain America Credit Union 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. '' XXXX XXXX XXXX XXXX, XXXX XXXX and Mountain America Credit Union 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: Debt collection

XXXX mobile phone provider is keep hiring collection agency to claim {$1100.00} for service i did not agreed. I was with XXXX for less than a month with out contract. I was on month to month service, and they gave me free phones for 5 lines family plan. After i learned that they were trying to charge me unfairly, i canceled the service and moved back to my previous provider. Later they hired collection agency which i disputed and was deleted out of credit history. Then they hired another collection agency which i kept disputing it. At this time XXXX  refused to allow me to dispute it, by simply taking the collection agency side. The contract they using has altered signature.
Product: Debt collection

LVNV Funding is reporting false information my credit report. I have never done business with the agency. I have no knowledge of the debt they are claiming is mine and I requested a copy of a contract or agreement with wet ink signature and they have not provided anything other than a one page copy of a statement.
Product: Credit card

I applied for a credit card through Comenity Capital Bank around the XXXX XXXX of XXXX. Roughly XXXX weeks later I received a letter from them requesting for proof of my identity via mail or email. I emailed them a copy of my driver 's license, social security card, and my W-2. Roughly 2 weeks later I received a letter from them that they were unable to approve my application because they were unable to verify my identity. 
I called to find out what I needed to do to correct the issue, send a copy of my birth certificate or passport, but I was told it was denied and I had to reapply.

I asked for specifics as to why they could not accept my documents, but no one could tell me the specifics and refused to direct me to somebody that could. They suggested that I reapply after a 30-day waiting period after my last denial ( at the end of XXXX ) but would not give me any information as to how I could ensure that the next time I applied that my documents would be acceptable for the verification process. 
Did they deny me because of my age?
Product: Credit card or prepaid card

Attempted to make my payment online ( like I always do ), but the system kept showing that my username and password were incorrect. I attempted four times and I was unsuccessful. As such, I called customer service and they placed me on hold for over XXXX minutes. I called again and waited until I had to hang up. I couldn't send an online message because I couldn't log in. Bear in mind that I didn't have to type my username and password, they are autofilled on my computer. So there was no chance of me entering the incorrect credentials. Additionally, I was able to login with the same information this morning, and I noticed that my minimum payment went from {$36.00} to {$100.00}. I was also charged {$30.00} late fee, and I'm sure that they have also hiked the interest rate because I was unable to login. I have never been late with a single payment. 

Prior to all of this, I was unwell and was on XXXX income through my employer. My husband has also lost him income because of a medical condition. We have to pay bills out of our savings. As such, I requested a hardship payment plan and it was denied. 

My card was previously serviced by a different bank, and I never had a problem until Barclays took over. First, they received my payment, and sent me late payment notice last month. Then my interest rate was set at the maximum rate even though I have good credit, and I have never made a late payment. 

This is absolutely ridiculous! Instead of helping someone who has always been a good customer you're trying to create more problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, # XXXX, # XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 

These are clear violations of my federally protected consumer rights.
Product: Mortgage

Ocwen Financial keeps claiming they have not received proof of insurance on our property. However, our insurance company has sent them proof via mail AND fax four times ( and they have n't submission confirmations for the faxes ). I have called Ocwen three times now and each time they say they do not have proof of insurance. I received certified mail from Ocwen today, saying this is the final notice before they purchase force placed insurance. This is extremely frustrating, as proof of insurance has been sent to them so many times over the last few months. Given Ocwen 's notorious history of fraud and abuse over the last three years, I would n't be surprised if Ocwen is intentionally " not receiving '' homeowners ' proof of insurance in order to make some money off the force placed insurance.
Product: Debt collection

I received numerous emails from XXXX XXXX trying to collect debt on behalf of LVNV Funding LLC. Next received a few letters from XXXX for collection of same alleged debt LVNV Funding LLC. I requested validation of the debt from XXXX XXXX XXXX In return received attached letter from Resurgent Capital Services. 

So far named XXXX debt collectors attempting to collect same alleged debt which shows current creditor LVNV LLC. So, my information is now all over in at least 4 named debt collectors trying to collect this same alleged debt. 

I believe that my right to privacy as a consumer has been violated.
Product: Student loan

XX/XX/XXXX I attended XXXX XXXX XXXX in XXXX In, under the XXXX XXXX XXXX XXXX. I enrolled due to their advertising of immediate XXXX XXXX after graduation and high success rate, but I learn throughout that was not the case. The professors where not all certified to teach, so the program was a waste of time and money spent. When I graduated in XXXX I was not placed in a position or job program, but instead was sent on interviews with the majority of my other class members, where we had to bid for job positions. There was no actual program put in place to support us after graduation. In fact, once I graduated I was pretty much on my own. I was also coerced into paying for a Coding Certification I was advised was needed, that was not accepted by most companies due to not being XXXX XXXX. The XXXX XXXX loan I took out for {$2600.00} then, went into Default due to not being able to find a job, I was threaten by XXXX XXXX of having this reported to the credit bureau as well as having my future income tax and payroll withheld, if I didn't make a payment. I finanlly had to find a part-time job through staffing, to help me work while I find something permanent. In XXXX my loan defaulted. I was mislead into consolidating it in XXXX. The XXXX XXXX was then sold to XXXX I think, then Nelnet. Every year I was put into high interest IDR /Income Driven repayment programs with promises of a better credit score or lower rates. My loan is now at {$28000.00} due to growing interest and I now found out Nelnet sold my loan to Sloan Servicing who stated that they do not honor the IDR that I previously was under.I had to recertify with them for a different plan. They recertified me under a higher payment plan than I couldnt afford, and was not willing to work with me. I feel like Ive been mislead since the start of all of this. The predatory lending practices of all these companies should be reviewed thoroughly by the government.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was informed in XXXX that my account was listed as past due and delinquent by all three credit agencies such as XXXX, XXXX and XXXX. I Started disputes with all three companies and a month later my payment balance was updated to 0 but still showed as a negative impact on my credit report and showed delinquent/charge off status. I then submitted proof of car being paid off in XXXX to all three credit agencies and there has still been no update to report. Under research, I found out an account could only be listed as delinquent if it is more than 120 days past due. This account has never been past due and proof was provided of the payments being distributed to the account to show great payment history and no months of payment being missed. I have been reaching out to Ally directly for months to not be able to get a department that could directly assist me or even provide any relief. This has caused my credit score to drop tremendously and show a negative impact. I have worked extremely hard to make sure my credit has stayed in good conditions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to you once more to formally dispute the fraudulent inquiries listed on my credit report. Despite my repeated attempts to have them removed over the past three months, inquiries still appear on my credit file. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and up-to-date credit information. The fraudulent inquiries listed on my credit report are in direct violation of this right. I respectfully request that the following inquiries be immediately removed from my credit file : XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX, XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 . I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. Since it has now been three months since I began disputing these unauthorized inquiries, I expect immediate action to be taken.
Product: Credit reporting or other personal consumer reports

I notified Trans Union on XX/XX/2023 that I am a victim of identity theft and that my accounts have been compromised and tampered with by the identity thief. XXXX XXXX responded via CFPB, complaint # XXXX on XX/XX/XXXX  stating the items were verified as accurate. There is no way the items can be verified as accurate because they are indeed a result of identity theft. The information is not accurate or complete. I am exercising my rights to a reinvestigation under the FCRA.
Product: Mortgage

I am still waiting on my response for ticket number XXXX. According to Mr. Cooper 's customer service ( ticket number XXXX ) I should have been eligible and received removal of PMI in XXXX or XXXX. I have tried reaching out to the company but have been met with silence. According to the information I received end of XX/XX/2023 ( ticket number XXXX & XXXX ) I have meet the requirements for the removal of PMI. It seems Mr.Cooper is trying to drag out the process of PMI removal so they can make as much money as possible.