23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I contacted Medical Data System Inc XX/XX/2022. I advised them they have violated my HIPPA rights by disclosing my medical records to a third, they have neglected to respond and have continued to submit this negative information on my credit profile. I have not signed any documents given Medical Data System Inc the right to share my medical information. 

15 U.S. CODE SS 1681a ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries on my credit that is not something i did someone is using my information. One of the inquiries is from XXXX XXXX XXXX  and the other is from Discover Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

disputed this account with all three bureaus with no resolution when bureau states, the account is only a two month term payment of {$120.00} with a total balance of XXXX from opening to close this is false I got a response saying that it has been corrected with no update I asked for it to be removed. I would like it to be removed from my credit report.
Product: Debt collection

I am extremely upset and angry regarding the outrageous behavior I encountered during a recent call with representatives of IQ Data on XX/XX/XXXX and XXXX, XX/XX/2023 

The representative continually threatened to ruin my credit score and insinuated that he would send the recorded call to law enforcement. I did not threaten the representative or raise my voice during any of these interactions. These tactics are illegal and highly upsetting. 

I'm currently in a legal process to resolve this debt with my landlord, who never should have transferred it to collections to start with. I explained the lapse of communication with the management and offered to provide additional documentation and details during the call with IQ, only to have your rep immediately dismiss my dispute like it was pointless. This is absolutely unacceptable, especially when someone informs you that they have already initiated a legal dispute, why would you continue to try to collect the funds? On XX/XX/XXXX, I spoke with agent XXXX XXXX and on XX/XX/XXXX a representative named XXXX who wouldn't provide his last name. 

I believe IQ Data 's actions violate the Fair Debt Collection Practices Act ( FDCPA ). No false statements, no unfair practices, and definitely no harassment. Yet, the representative blatantly violated these rules.
Product: Debt collection

Ive been request detailed information from Central Financial Control AKA Syndicated Office Systems in regards to an alleged account they continue to report on my credit reports, I 've contacted the XXXX to get help with this company and they did n't respond until months later after my request. I 've been sending letters to this company since XX/XX/2014, they removed XXXX other accounts that were on my credit reports but want remove this XXXX. I 've contacted the original creditor ( XXXX XXXX XXXX XXXX ) and they never responded to my many request to them.
Product: Mortgage

I have applied multiple times for mortgage assistance with Bank of America specifically after my home was broken into around XXXX time which the person or persons caused a considerable amount of damage, at the same time my young son was diagnosed with illness, and to add, I was a victim of identity theft where my bank account was emptied. Bank of America continues to deny me for assistance, in a letter dated XXXX XXXX, 2016 Bank of America which provided me with a new Relationship Manager XXXX XXXX who I have never spoken to despite numerous calls. The letter request that I continue to provide all the documents previous requested by XXXX XXXX, 2016. In a letter dated XXXX XXXX, 2016 I received a Notification of Assignment, Sale or Transfer of your mortgage '' The notice went on to say that Bank of America has sold my loan to XXXX XXXX but as legal title trustee for XXXX XXXX effective date of transfer was XXXX/XXXX/2016, while I was in the middle of my loan modification application. The Notice stated that my loan servicing was transferred to XXXX XXXX XXXX in XXXX TX which is known as foreclosure mill and is not structured to provide loan modifications or assistance. Upon contacting XXXX XXXX in response to their letter dated XXXX/XXXX/2016 " Welcome '' I requested to know what documents were sent from Bank of America and XXXX response was None! I am force to sell my home with the writing on the wall, premature transfer of my loan prior to a response to my request for mortgage assistance, a Point of Contact that makes no contact.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as toe transactions or experiences between the consumer and the person making the report ; 576 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 purpose.
Product: Credit card or prepaid card

I attempted to engage in a consumer credit transaction by applying for an open ended credit account with Barclays Bank Delaware on XX/XX/2022. 

I have since received a letter stating that they are unable to approve me for a XXXX XXXX credit card. 

Have I been XXXX XXXX 

As a consumer, I have read Title 15 USC 1691. I believe the law has been violated in this case.

I did not authorize the sale of any of my private information and I wonder if any of it has been sold by Barclays Bank Delaware. Is there a law prohibiting the unauthorized sale of my information? The application was filled out online, but I also wonder if a form XXXX was filled out in connection with this transaction. 

Also, I believe mail fraud XXXX have been committed in the delivery of this communication from Barclays Bank Delaware as there is no cancellation of a stamp on the envelope that contained this letter. I have uploaded a copy of the letter and the envelope with this submission. 

Please help.
Product: Money transfer, virtual currency, or money service

Summary of the Situation : On XX/XX/XXXX, i attempted to send XXXX to your mother in XXXX using MoneyGram from XXXX. 
The money was deducted from my XXXX XXXX account, but the transaction was canceled by MoneyGram.

MoneyGram 's terms and conditions state a refund within 4 business days for canceled transactions, but i haven't received it. 
My attempts to contact MoneyGram for help ( app tickets, phone calls, agents ) were unsuccessful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my Experian report there are inquiries that I don't recognize. I did not apply for anything in XXXX! Must be FRAUD!! I contacted the below creditors and they have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX, XXXX XX/XX/XXXX XXXX
Product: Debt collection

NATIONAL CREDIT SYSTEMS has refused to validate the debt or to provide me with any documentation that proves that I owe the debt. I believe that the debt is either invalid or FRAUDULENT. NATIONAL CREDIT SYSTEMS is engaging in debt collection without a valid license, which is in violation of applicable laws and regulations. I believe that NATIONAL CREDIT SYSTEMS is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Violation of Se

ction 807 ( 2 ) You are Continuing communication after a cease and desist request. Violation of Section 1692 ( g ) : Failing to send a written debt validation notice within five days of the initial communication with the consumer about the debt. Violation of Section 1692 ( d ) : Repeatedly calling with the intent to annoy, abuse, or harass I, the consumer. I understand that under 15 U.S.C. 1692, I am entitled to statutory damages of up
to {$1000.00} for each violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

After a court ordered legal name change, Equifax refuses to update the account without proper documentation which is understandable. Even though this violates laws about collection of such information by having legal documents and photo copies of both driver 's license and social security card combined, they mandate it be sent through the US Postal Service. This method has now subjected me to identity theft as the documents that were sent are 'lost in the mail ' and Equifax is demanding that I resend copies, which again threatens the security of my private information. Meanwhile, my entire livelihood is on hold as I can not complete any transaction that is dependent upon a credit report from Equifax. My legal name is not in their system and therefore, I can not rent a home, purchase a home, trade in my vehicle, NOTHING. I am required to move to another state for employment and have not been able to for months because Equifax is uncooperative in finding a solution that does not demand my PII to be released to the public. In the digital age, they refuse to allow digital documents to be sent that would limit the exposure to theft. 
How can an agency have total control over an American Citizens entire livelihood like this and demand that personally identifiable information be combined and sent through USPS? Privacy Act of 1974 and other federal laws that govern PII include the " collection '' of this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I contacted all 3 credit buerus asking them to remove any credit alerts, sercurity freezes or anything prohibiting me from accessing my credit file. After hours of remaining on the phone as well as multiple faxes and emails sent to them at the following phone  numbers : XXXX Fraud alert XXXX XXXX XXXX XXXX As of XX/XX/2020 I called in and typed the notes and provided a copy of my social and Drivers license to the following details : Equifax XXXX XXXX XXXX fax Demand Cover letter Name XXXX XXXX XXXX Equifax security freeze Dept Fraud alert Dept After explaining to them I had already completed this 3 times already and I didn't feel comfortable providing this anymore I was told that is the only way it would work. Just to mention, I just received a letter from them stating that my SS # and contact information was released in some sort of HACK and they provided you free credit monitoring service and to  call the number to activate this. I am in the mist of refinancing my property and I need to have access to my credit and I have been working on this since last year and its almost a year now and I still have a freeze on my XXXX, equifax and XXXX  file! I want this removed immediately! 

The credit buerus are also months behind in reporting the accurate information on my file.
Product: Checking or savings account

On XX/XX/XXXX was victim of fraud by a caller from Chase bank They gave me case XXXX XXXX XXXX this was approved of the change of new card they said. 

They merge all oir personal and business account together. 
Moved a the money even from my neice account to the business And did XXXX transactions for {$10000.00} and {$7200.00} I got no calls from actual chase as these transactions looking suspicious. 

This happened at XXXX About I called chase to file a claim XXXX around. 

These transactions weren pending when i caught them and called chase On XX/XX/XXXX I close all the accounts and these transactions were still pending. 

After ongoing investigation chase comes back and advise that they close my case and it was denied.. 
Because thy fault it was done from my computer. 

I continued to escalate the complaint with executives and they said the same denied because they said it was done from the computer.. 
I told them that never do banking with my computer than they changed that it was my device. 

I filed a police report on XX/XX/XXXX I think their fraud dept could it stopped. They could it see all the suspicious transactions. 

I got no txt no call no email from Chase to ask me if I authorized these big amounts but yet I get emails later on that if I authorized small amount. I attached pictures of those..
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my personal credit report, I have found inconsistent data on my report and would like to resolve these issues for the following accounts : XXXX XXXX # XXXX Delete this account for inaccuracies : Date of charge offs on reports have inconsistent dates. XXXX reports no charge off XX/XX/XXXX, XXXX reports charge off for XX/XX/XXXX, Equifax reports no charge off for XX/XX/XXXX Account Type is inaccurate.XXXX reports Installment Account, XXXX reports XXXX XXXX Equifax reports Installment XXXX # XXXX Delete this account for inaccuracy because Date of Late Payment reports inconsistent dates. XXXX reports late on XX/XX/XXXX, XXXX reports late on XX/XX/XXXX, Equifax reports late on XX/XX/XXXX XXXXXXXX XXXX # XXXX Delete this account for inaccuracy because Date of Last Payment reports inconsistent dates. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX, Equifax reports XX/XX/XXXXXXXX XXXX
Product: Mortgage

Hi my name is XXXX XXXX XXXX XXXX and sending his complaint without any help from any credit repair companies. I have a loan with SELECT PORTFOLIO SER with the account number XXXX. I have always made my payments on time. As you can see, the status of this account is stating that it is paid as agreed. I tried contacting the XXXX and XXXX and even wrote thme a letter regarding the issue but up until now there has been no successful resolution. There was definitely an error on their part. Please fix this matter immediately.
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 
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 in accurate
Product: Credit card

During XX/XX/year> XXXX purchases were made that were collectively {$690.00}. During this same month a payment was made on the account for {$860.00} to pay for these XXXX purchases and a prior purchase from XX/XX/year>. Unfortunately, this payment paid off a promotional balance instead paying the most recent non-promotional purchases ( which was the intent ). After this occured, several attempts were made to contact SynchronyBank/Lowes to have this payment corrected. The first contact occured during XX/XX/year> and continued several times after. On XX/XX/year> Synchrony Bank sent a letter stating " Your payment has been applied to your account balance as requested. The change will be shown on your next billing statement. '' With this, I was under the assumption the payment was being applied incorrectly. Upon receiving the next statement in early XXXX I did not see any change so I contacted the company again to be told to wait an additional month to allow time for the changes to be made. Again, once I received the XX/XX/year> statement this was still not corrected. Upon contacting Synchrony again in the middle of XX/XX/year>, I was informed that my request could not be fulfilled and that I needed to pay the balance. I requested to speak to a XXXX and was provided XXXX. She stated the matter would be investigated but could take up to XXXX days. Since 30 days have elapsed, I contacted Synchrony Bank again to request an update. According to the customer service representative I spoke with, my request was closed and they were unable to correct the payment issue. He further stated, " too much time had passed ''. As of the end of XX/XX/year> I have accrued over {$130.00} in interest charges. In years past I have rarely paid any interest at all due to paying balances before any interest could accrue.
Product: Credit card

Hello, I would like to receive help from someone regarding closure of my Bank of America credit card. Bank of America closed my and my son 's credit card recently. They sent us letter that doesn't contain any specific reason on why they closed our cards. I would like ask someone in Bank of America to help me with the account closure and help me to reinstate my credit card. They can check my history with their card and see that there was absolutely no logical reason to close my card. Please help me on this matter.
Product: Payday loan, title loan, or personal loan

There is a time share reporting on my credit report. When i call to get information on it they are unable to locate by name social email or phone. Not being able to identify or resolve this account either way is hindering me from home purchase.
Product: Vehicle loan or lease

Im trying set up a payment plan but they told me they cant because My aunt filed backruoyt
Product: Debt collection

XXXX. XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Cease and Desist Demand Dear I.C. System, Inc., This letter serves as a formal demand that you cease and desist all communication and collection efforts related to the alleged debt associated with [ Account XXXX ] that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692c ), I am requesting that you immediately stop all further contact with me regarding this matter, except for any legally required notices. 

If you believe that this debt is valid, you are required to provide proper validation under 15 U.S.C. 1692g within XXXX  days of receipt of this letter. Failure to do so will be taken as confirmation that no such debt exists or that you lack the legal standing to collect it. 

Furthermore, should you continue to engage in any form of harassing, threatening, or deceptive practices, I reserve the right to take legal action against your company. Any violation of my rights under the FDCPA or applicable state laws may result in a lawsuit seeking damages, attorneys fees, and other remedies available under the law. 

You are hereby notified that any further attempt to collect this debt, including but not limited to phone calls, letters, emails, or reporting inaccurate information to credit bureaus, will be documented as evidence of continued harassment and unlawful collection practices. 

Please provide written confirmation within XXXX  days that you have complied with this demand. Failure to do so will result in me taking further action as necessary.
Product: Money transfer, virtual currency, or money service

On XXXX 2024, I couldnt use my XXXX because it was asking for different fees and then it kicked me out and told me I had to go to the bank to get funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a few UNAUTHORIZED HARD INQUIRES on my credit report that I have NO KNOWLEDGE of ive contacted the companies of the hard inquires and get the run around. I also called TRANSUNION XX/XX/XXXX and let them know I am a victim of fraud and they are refusing to remove the inquires, stating there is no way for them to remove them. 
XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I used Square credit card POS in the past and this time they are holding {$10000.00} of my money for no reason what so ever I talked to the rep today at XXXX XXXX  XX/XX/year> XXXX and he said that they can do that at any time. I need to pay attorneys out of that money to complete my services that my client has hired me to do. I looked this company up on the XXXX  after the fact and they have XXXX complaints about this same scam practice. XXXX XXXX should me a shamed and the Feds should shut them down. I provided everything they ask for proof of state licensing, bank statements, a contract the customer signed, my drivers license .my website and they will not release my money. PLEASE help me I am not a large company. 
My receipt number that Square gave me XXXX Authorization number XXXX
Product: Credit reporting or other personal consumer reports

I reached out to this creditor as there are reporting false information on my credit profile, I requested proof of ownership of the account and contracts and I also requested a copy of the information that was used to verify these accounts as accurate and I was never supplied with any information!! Ism a victim of identity theft and Ive sent police reports and ftc reports, however this company has failed to remove this item from my credit profile and continues reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists me at two addresses in Florida. I have never lived in Florida. When I tried to remedy this, the claimed that the addresses have been verified. I don't know how these addresses could be verified if I don't live there at all.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. The company sent the statements to the wrong address. I have taken proactive measures to address these discrepancies by contacting the company associated with this account. I am pleased to inform you that after thorough investigation, they have acknowledged the errors and have agreed to update my account and remove the late payments. Here is the account : XXXX XXXX XXXX XXXX